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MeDirect Bank is an independent bank specialised in mutual funds. We choose not to offer in-house funds, but we offer a worldwide selection of top funds.

Contact us on 02 518 0000
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02 518 0000
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MeDirect Bank
Boulevard de l'impératrice 1000 Bruxelles

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*Fund is the popular name for UCI (collective investment scheme). A mutual fund is a business that brings together several investors and invests their deposited money in various investment options, such as stocks, bonds, cash, etc., in order to spread the risk. Before proceeding with the investment, you must read and evaluate the KIID and the corresponding prospectus. The KIID sets out the objectives, investment policy, risks and benefits, fees and a history of fund performance.

Op een moment van historisch lage rentes is dat dé fundamentele vraag. Beleggingsfondsen2 bieden heel wat voordelen: risicospreiding, mogelijkheid om in minder toegankelijke markten te beleggen en natuurlijk professioneel beheer. Bij MeDirect kunt u zelf beleggen in fondsen of u laat het over aan onze experts. 

Choose from an international selection of top funds and Model Portfolios

Model Portfolios: In one easy step, you can invest in a diversified selection of top funds. 

Selection of top funds: Strict fund selection by category

Fund Navigator: Easily search for the best funds filtered by region, sectors,...

Become a customer

High quality management by our experts based on mutual funds with the focus on solid returns

Maak een simulatie en bepaal uw profiel

Depending on your investor profile

€5.000 or €1.000.000 to invest? Everyone benefits from high quality management

No entry and exit fees, only a management fee of 0,90% VAT incl.

Start your simulation

DO IT YOURSELF
The Belgian bank for funds

LEAVE IT TO EXPERTS
MeDirect Wealth Management

Choose from an international selection of top funds and Model Portfolios

Model Portfolios: In one easy step, you can invest in a diversified selection of top funds. 

Selection of top funds: Strict fund selection by category

Fund Navigator: Easily search for the best funds filtered by region, sectors,...

Word klant Become a customer

DO IT YOURSELF
The Belgian bank for funds

High quality management by our experts based on mutual funds with the focus on solid returns

Depending on your investor profile

€5.000 or €1.000.000 to invest? Everyone benefits from high quality management

No entry and exit fees, only a management fee of 0,90% VAT incl.

Maak een simulatie en bepaal uw profiel Start your simulation

LEAVE IT TO EXPERTS
MeDirect Wealth Management

Become a customerTransfer funds from another bank

A smart investor avoids unnecessary entry fees

Choice from over 500 Mutual Funds and 8 Model Portfolios 

No entry or exit fees for 97% of our fund selection 

Free investment account without custody fees


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SEC

MIN

UREN

DAGEN

In times of historically low interest rates, this is a fundamental question for many savers. Mutual funds* offer a lot of advantages to starters, as well as experienced investors: spreading your risk, the possibility to invest in less accessible markets and a professional management.  At MeDirect, you can do it yourself or you can let the experts do the work for you by choosing Wealth Management.

AIM FOR A HIGHER RETURN
ON YOUR SAVINGS?

OPTIMAL RETURNS THANKS TO LOW FEES

Where possible, we lower the cost for our customers to zero. At MeDirect, you have a free investment account, you don't have to pay a custody fee and you don't pay entry and exit fees on 97% of our funds selection.

How are we reimbursed then?

You pay the management fee of the fund managers as for all funds, regardless at which bank you buy the funds. We are reimbursed by the fund manager, who pays us a part of his management fee. And that is sufficient for us.

0%

entry/exit fees on 97% of our fund selection

Other banks

3%

average entry fees on in-house funds

OPTIMAL RETURNS
THANKS TO LOW FEES

Where possible, we lower the cost for our customers to zero. At MeDirect, you have a free investment account, you don't have to pay a custody fee and you don't pay entry and exit fees on 97% of our funds selection. 

CHOOSE FROM FUNDS

FROM 60 RENOWNED FUND HOUSES

AIM FOR A HIGHER RETURN
ON YOUR SAVINGS? 

In times of historically low interest rates, this is a fundamental question for many savers. Mutual funds* offer a lot of advantages to starters, as well as experienced investors: spreading your risk, the possibility to invest in less accessible markets and a professional management.  At MeDirect, you can do it yourself or you can let the experts do the work for you by choosing Wealth Management.

CHOOSE FROM FUNDS
FROM 60 RENOWNED FUND HOUSES

You pay the management fee of the fund managers as for all funds, regardless at which bank you buy the funds. We are reimbursed by the fund manager, who pays us a part of his management fee. And that is sufficient for us.

The advantages of MeDirect:

To the Fund Navigator

New fund house at MeDirect

without entry and exit fees

Op een moment van historisch lage rentes is dat dé fundamentele vraag. Beleggingsfondsen2 bieden heel wat voordelen: risicospreiding, mogelijkheid om in minder toegankelijke markten te beleggen en natuurlijk professioneel beheer. Bij MeDirect kunt u zelf beleggen in fondsen of u laat het over aan onze experts. 

Fundsmith, new arrival in our fund universe

At MeDirect we choose not to offer in-house funds, but instead, we give our customers access to mutual funds from 60 renowned fund managers such as Blackrock, Fidelity, Invesco, Robeco, M&G… This allows our customers to choose from a worldwide selection of more than 500 funds. 

With the introduction of Fundsmith to our investment offering, we are bringing a new fund manager to Belgium. Fundsmith is headquartered in London and was founded in 2010 by Terry Smith. Fundsmith is still a relatively young fund manager, but with an experienced team at the wheel. Terry has had a successful career in the investment industry and received the 2018 ‘European Fund Manager of the Year Award’ in the global equity category.

At MeDirect we choose not to offer in-house funds, but instead, we give our clients access to mutual funds from 60 renowned fund managers such as Blackrock, Fidelity, Invesco, Robeco, M&G… This allows our customers to choose from a worldwide selection of more than 500 funds.

With the introduction of Fundsmith to our investment offering, we are bringing a new fund manager to Belgium.

Fundsmith, new arrival in our fund universe

Without unnecessary entry fees

Fundsmith is headquartered in London and was founded in 2010 by Terry Smith. Fundsmith is still a relatively young fund manager, but with an experienced team at the wheel. Terry has had a successful career in the investment industry and received the 2018 ‘European Fund Manager of the Year Award’ in the global equity category

We managed to set the entry costs to zero for Fundsmith, just like for 97% of the other funds in our selection. Other financial players easily charge you 1% to 3% entry fees to invest in funds. Moreover, as a customer, you also receive a free investment account and we do not charge you any custody fees. This means lower costs and therefore more returns for our customers.

 If there are hardly any costs, then how is MeDirect reimbursed? You do pay the management fee levied by the fund manager, as with all funds, regardless of which bank or broker you purchase them through. We are reimbursed by the fund manager, who pays us a part of the management fee, and that is sufficient for us. 

Without unnecessary entry fees

We managed to set the entry costs to zero for Fundsmith, just like 97% of the other funds in our fund offering. Other financial players easily charge you 1% to 3% entry fees to invest in funds. Moreover, as a customer, you also receive a free investment account and we do not charge you any custody fees. This means lower costs and therefore more returns for our customers. 

If there are hardly any costs, then how is MeDirect reimbursed? You do pay the management fee levied by the fund manager, as with all funds, regardless of which bank or broker you purchase them through. We are reimbursed by the fund manager, who pays us a part of the management fee, and that is sufficient for us.

MeDirect Bank is een onafhankelijke fondsenbank. Wij kiezen ervoor geen eigen huisfondsen aan te bieden maar wel een wereldwijde selectie van meer dan 500 beleggingsfondsen van 60 gerenommeerde fondsenhuizen.

Enkele van deze fondsenhuizen vindt u hieronder.

Op het MeDirect platform zijn er 32 fondsen van Robeco beschikbaar.

Robeco is een internationale vermogensbeheerder met een breed aanbod aan actieve beleggingen van traditionele categorieën zoals aandelen en vastrentende waarden tot alternatieve beleggingen en multi-assetstrategieën. Al sinds de oprichting in Rotterdam in 1929 vormt onderzoek de basis voor alles wat ze doen. Daarbij combineren ze hun pioniersgeest met een bedachtzame aanpak.

Op het MeDirect platform zijn er 25 fondsen van Amundi beschikbaar.

Amundi, sinds november 2015 beursgenoteerd, is de grootste Europese vermogensbeheerder in termen van beheerde activa(*), met meer dan 1.100 miljard euro wereldwijd. Amundi heeft zijn hoofdzetel in Parijs, Frankrijk, en beschikt over zeven beleggingshubs in de belangrijkste financiële centra in de wereld. Het biedt een combinatie van diepgaand onderzoek en ervaring op de markten aan, twee elementen die de basis vormen voor het vertrouwen van zijn klanten.

*Cijfers Amundi per 31 maart 2017.  

Op het MeDirect platform zijn er 43 fondsen van BlackRock beschikbaar.

BlackRock, opgericht in 1988, is de grootste vermogensbeheerder ter wereld met een belegd vermogen van meer dan 6,3 biljoen dollar.(*) Hiervan is iets meer dan de helft belegd in aandelen en 30% in obligaties en andere vastrentende beleggingen. Het zwaartepunt van de activiteiten ligt in de Verenigde Staten waar iets meer dan de helft van de omzet wordt gerealiseerd. Het bedrijf telt meer dan 12.000 medewerkers, waarvan 1.00 beleggers, en heeft vestigingen in 30 landen.

*Cijfers Blackrock per 31 december 2017.

Op het MeDirect platform zijn er 64 fondsen van Fidelity beschikbaar.

Fidelity International werd in 1969 opgericht als de internationale tak van Fidelity Investments (opgericht in 1946 in Boston) en werd in 1980 onafhankelijk van het Amerikaanse moederbedrijf. Klanten helpen om voor hun pensioen te sparen en andere lange-termijn-beleggingsdoelstellingen te verwezenlijken, vormt al bijna vijftig jaar de kern van hun activiteiten. Fidelity beheert activa voor een totaal van €356 miljard voor meer dan 2,4 miljoen klanten in heel Azië-Pacific, Europa, het Midden-Oosten en Zuid-Amerika.

Op het MeDirect platform zijn er 6 fondsen van Flossbach von Storch beschikbaar.

Flossbach von Storch, gestart in 1999, is één van de grootste bankonafhankelijke vermogensbeheerders in Duitsland en is nog steeds in handen van haar oprichters en senior executives. Meer dan 180 collega's zorgen voor een vermogen van meer dan 35 miljard euro.  We staan voor onze multi-asset benadering: het behouden en vergroten van activa door het te verdelen in verschillende activaklassen. Het doet er niet toe of een belegger ons miljoenen euro's of deposito's van 50 euro per maand toevertrouwt aan een fondsbesparingsplan - onze verantwoordelijkheid tegenover hem is hetzelfde. 

Op het MeDirect platform zijn er 26 fondsen van Invesco beschikbaar.

Inveso, opgericht in 1978, is een Amerikaans onafhankelijk fondshuis met hoofdkantoor te Atlanta, Georgia, Verenigde Staten, en heeft kantoren in 20 landen wereldwijd. Invesco biedt via verschillende beleggingsinstellingen een uitgebreid gamma van investeringsproducten aan in aandelen, obligaties of alternatieve activa klassen die zowel land, regionaal of wereldwijd georiënteerd kunnen zijn.

Investment process

The managers of Fundsmith aim to buy and hold quality businesses which increase their value overtime. Fundsmith has stringent investment criteria to ensure that the company invests in:

High quality businesses that can sustain a high return on operating capital
 employed


Businesses whose advantages are difficult to replicate;

Businesses which do not require significant leverage to generate returns;

Businesses with a high degree of certainty of growth from reinvestment of their cash flows at high rates of return;

Businesses that are resilient to change, particularly technological innovation;

Businesses whose valuation is considered by Fundsmith to be attractive.

Investment process

The managers of Fundsmith aim to buy and hold stocks in quality businesses in order to gradually and continuously increase their value. Fundsmith has stringent investment criteria to ensure that the company invests in:

High quality businesses that can sustain a high return on operating capital employed;

Businesses whose advantages are difficult to replicate;

Businesses which do not require significant leverage to generate returns;

Businesses with a high degree of certainty of growth from reinvestment of their cash flows at high rates of return;

Businesses that are resilient to change, particularly technological innovation;

Businesses whose valuation is considered by Fundsmith to be attractive.

Management team


Terry Smith
Julian Robins

 

Co-founder of Fundsmith, Terry Smith, started his career in 1974 at Barclays Bank where he remained until 1983. He then went on to work as a stockbroker at W Greenwell & Co. and was the top-rated bank analyst in London from 1984-89. In 1990, he became head of UK Company Research at UBS Philips & Drew, a position from which he was dismissed in 1992 following the publication of his best-selling book ‘Accounting for Growth’. As CEO of Collins Stewart, he led the management buyout of the company, which was floated on the London Stock Exchange five months later. As CEO of Tullett Prebon, he was an advisor to the company's pension fund, honoring the investment principles that later formed the basis for Fundsmith.

Terry Smith is supported by Julian Robins. Julian has been working in the investment industry since 1984 and was a banking analyst in London for 9 years before moving to BZW in New York in 1993. He set up an office in New York for Collins Stewart in 1999 and left there in 2009 to set up Fundsmith in 2010, together with Terry. Julian still lives in the United States and works closely with Terry to manage the fund.