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Notice - Legal information

The information contained on this site is not in any way intended for those people who come under a jurisdiction where, due to their nationality, their place of residence or for any other reason, publication or access to this information is legally prohibited.

Access to the site automatically assumes the agreement of the user with the information menioned in the topic disclaimer (http://www.capitalatwork.com/en/disclaimer)

For any information about the countries where the funds are registered, it is up to those people accessing the information provided by CapitalatWork Group on this site to refer to the most recent prospectuses, which are also accessible on this site.

The information published on this site cannot be regarded as investment advice.

This site provides information only. Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.

Potential investors are asked to find out from their professional advisers about the content of the laws and regulations which apply to them as regards subscriptions, purchases or sales of financial instruments. It is up to users to use their critical judgment as to how to use the information in the light of their personal situations, being aware that any investment in financial instruments is risky.

Past performance is not a guarantee of future performance. The value of investments can go down as well as up. As a general rule, the performance figures accessible are shown before management fees.

The information on this site may only be used for personal and non-commercial purposes. It may only be distributed in its entirety or in part following written permission from CapitalatWork Group.

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Sicav

CapitalatWork Foyer Group

CapitalatWork Foyer Group SA, in her fonction as promotor, has developed a limited but complete and flexible family of investment compartments.

These compartments are the tools to implement the Capitalatwork investment philosophy, based on a consistent and well considered investment methodology, into a transparant investment process.

These compartments cover:

  • most if not all geographies – the Americas, Europe and Asia,
  • the main asset classes – cash, bonds, inflation-linkeds, equities, derivatives and long/shorts,
  • the main asset allocation strategies – defensive, balanced, dynamic, opportunistic and hedged.

The potential results of these sub-funds, and thus the asset management, are due to clear valuation methodology and a very clear investment process.

The key to our success is consistency in its implementation.



CapitalatWork Foyer Umbrella

Capitalisation
Capitalisation
Distribution

equity

Name
Currency
Date
NIW
Name
Currency
Date
NIW
American Equities at Work - Capitalisation
USD
13.11.2019
430.87
read about fund
Started on 17.11.1997
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in US dollars on your capital by investing primarily in equities of US companies listed or traded on a stock exchange or on another regulated market. The Sub-fund invests on the basis of an analysis of the cash flows of US companies while maintaining a diversified allocation of the Sub-fund’s investments. This analysis enables the Sub-fund to identify companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. This means that these companies have significant growth potential. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − The Sub-fund invests in equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (USD) as of 13.11.2019
1 month
cum. **
3.35 %
3 months
cum. **
6.62 %
1 year
act. **
15.40 %
3 years
act. **
12.07 %
5 years
act. **
8.24 %
10 yrs
act. **
10.39 %
since inception
act. **
4.60 %
Calendar Year Returns %
Performance* (EUR) as of 13.11.2019
1 month
cum. **
3.57 %
3 months
cum. **
8.32 %
1 year
act. **
18.21 %
3 years
act. **
10.47 %
5 years
act. **
22.52 %
10 yrs
act. **
49.12 %
since inception
act. **
7.31 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

NOTE : The compartment can be purchased only in USD. The performance of this compartment in EURO can be reduced or increased depending on fluctuations in the exchange rate. This performance in EUR is given as an indication to show the impact that the exchange rate EUR/USD can have on performance in EUR. The exchange rate used for the calculation of this performance is the WMCO London 4 PM rate.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 1,00%
Ongoing charges 1,31%
Performance fee 5% of the positive returns the sub-fund realises above an annual return of 5%. Any past performances below this target level must first be offset.
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption Not taxable
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000 Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0078275558

The performance of this compartment in EURO can be reduced or increased depending on fluctuations in the exchange rate.


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Asian Equities at Work - Capitalisation
EUR
14.11.2019
227.90
read about fund
Started on 01.07.2005
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork Foyer Group S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in euros on your capital by investing primarily in equities of Asian companies (including Japanese companies) listed or traded on a stock exchange or on another regulated market. The Sub-fund invests on the basis of an analysis of the cash flows of Asian companies while maintaining a diversified allocation of the Sub-fund’s investments. This analysis enables the Sub-fund to identify companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. This means that these companies have significant growth potential. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − The Sub-fund invests in equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. − Investing on Asian stock markets may be associated with risks inherent in political stability, the economic situation and/or the regulatory or tax environment, which may affect the price of the Sub-fund. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 14.11.2019
1 month
cum. **
4.08 %
3 months
cum. **
11.15 %
1 year
act. **
14.10 %
3 years
act. **
6.64 %
5 years
act. **
6.86 %
10 yrs
act. **
6.12 %
since inception
act. **
4.26 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 1,00%
Ongoing charges 1,78%
Performance fee 5% of the positive returns the sub-fund realises above an annual return of 5%. Any past performances below this target level must first be offset.
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption Not taxable
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000 Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0216386259


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Contrarian Equities at Work - Capitalisation
EUR
13.11.2019
739.13
read about fund
Started on 01.09.1998
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in euros on your capital by investing primarily in equities of US and European companies listed or traded on a stock exchange or on another regulated market. These equities are generally neglected by the markets, but offer attractive prospects. To a lesser extent, the Sub-fund also invests its assets in companies from other global regions. The Sub-fund invests on the basis of an analysis of the cash flows of Asian companies while maintaining a diversified allocation of the Sub-fund’s investments. This analysis enables the Sub-fund to identify companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. This means that these companies have significant growth potential. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − The Sub-fund invests in equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
5.14 %
3 months
cum. **
10.83 %
1 year
act. **
21.89 %
3 years
act. **
11.83 %
5 years
act. **
9.77 %
10 yrs
act. **
12.19 %
since inception
act. **
9.02 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 1,00%
Ongoing charges 1,30%
Performance fee 5% of the positive returns the fund realises above an annualreturn of 5%. Any past performances below this target level mustfirst be offset.
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption Not taxable
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0090697987


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Equities at Work - Capitalisation
EUR
13.11.2019
186.89
read about fund
Started on 01.01.2014
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWorkFoyer Group S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in euros on your capital by investing primarily in equities of companies from any country, listed or traded on a stock exchange or on another regulated market. The Fund may also invest in other investment funds which in turn invest in equities of companies. The Sub-fund invests on the basis of an analysis of the cash flows of companies while maintaining a diversified allocation of its investments. This analysis enables the Sub-fund to identify companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. This means that these companies have significant growth potential. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg. Recommendation: this Sub-fund may not be suitable for investors who plan to withdraw their capital in less than five years.

The following risks may also be significant for the Sub-fund: − The Sub-fund invests in equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
5.36 %
3 months
cum. **
11.44 %
1 year
act. **
17.67 %
3 years
act. **
7.94 %
5 years
act. **
6.98 %
10 yrs
act. **
 
since inception
act. **
7.10 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 1,00%
Ongoing charges 1,45%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption Not taxable
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0974686213


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
European Equities at Work - Capitalisation
EUR
13.11.2019
629.68
read about fund
Started on 22.09.1994
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in euros on your capital by investing in equities of European companies listed or traded on a stock exchange or on another regulated market. The Sub-fund invests on the basis of an analysis of the cash flows of European companies while maintaining a diversified allocation of its investments. This analysis enables the Sub-fund to identify companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. This means that these companies have significant growth potential. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − The Sub-fund invests in equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
7.84 %
3 months
cum. **
13.03 %
1 year
act. **
16.19 %
3 years
act. **
6.34 %
5 years
act. **
5.53 %
10 yrs
act. **
7.54 %
since inception
act. **
3.10 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 1,00%
Ongoing charges 1,31%
Performance fee 5% of the positive returns the fund realises above an annualreturn of 5%. Any past performances below this target level mustfirst be offset.
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption Not taxable
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0078275129


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Sustainable Equities at Work - Capitalisation
EUR
13.11.2019
144.62
read about fund
Started on 07.02.2018
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return in euros on your capital by investing in a responsible and sustainable manner. The Sub-fund mainly invests in a portfolio of shares in companies adopting a responsible and sustainable approach; there are no geographical restrictions. The manager’s investment strategy is primarily based on a methodology that involves comparing companies in the same sector based on environmental, social and governance (ESG) criteria. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − The Sub-fund invests in equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Fees
Minimal investment 1 share
Entry fee 3.00%
Exit fee 0.0%
Management fee 1.00%
Ongoing charges 1,38%
Performance fee 5% of the positive returns the fund realises above an annual return of 5%. Any past performances below this target level must first be offset.
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption Not taxable
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores
Awards
Codes
ISIN LU1667873787

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund

fixed income

Name
Currency
Date
NIW
Name
Currency
Date
NIW
Corporate Bonds at Work - Capitalisation
EUR
13.11.2019
294.28
read about fund
Started on 15.09.2000
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return on your capital by investing in bonds (loans) primarily issued by European and US companies and listed on a stock exchange or traded on another regulated market. To a lesser extent, the Sub-fund also invests its assets in cash and money market instruments as well as in investment funds which themselves invest in bonds. The Sub-fund’s investment strategy is based on an analysis of the evolution of the financial situation of companies (including their cash flow over the next five years). The Sub-fund analyses their ability to repay their debts by comparing their available cash to their market value. This analysis allows the Sub-fund to assess the growth potential of the companies that it selects while maintaining a balanced allocation between the different sectors in which it invests. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − The Sub-fund invests in bonds that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
-0.12 %
3 months
cum. **
0.21 %
1 year
act. **
6.60 %
3 years
act. **
1.48 %
5 years
act. **
3.03 %
10 yrs
act. **
5.10 %
since inception
act. **
4.57 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 0,60%
Ongoing charges 0,87%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000 Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0116513721


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Fixed Income at Work - Capitalisation
EUR
13.11.2019
150.98
read about fund
Started on 01.01.2014
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

"CapitalatWork Foyer Group S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return on your capital by investing directly or indirectly (via other funds) in bonds (loans). These bonds are issued by public and private issuers located primarily in a Member State of the OECD. They may be denominated in any currency, and pay fixed or variable interest. They are listed on a stock exchange or traded on another regulated market. The Sub-fund’s investment strategy is based on an analysis of the evolution of the financial situation of governments, companies, inflation, interest rates and the global economic situation. This analysis allows the Sub-fund to assess the capacity of governments or companies to repay their debts while maintaining balanced diversification among the issuers it selects. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg. Recommendation: this Sub-fund may not be suitable for investors who plan to withdraw their capital in less than three years."

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − The Sub-fund invests in bonds that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
-0.32 %
3 months
cum. **
0.16 %
1 year
act. **
7.69 %
3 years
act. **
1.59 %
5 years
act. **
2.24 %
10 yrs
act. **
 
since inception
act. **
3.27 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 0,60%
Ongoing charges 1,08%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0974685322


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Government Bonds at Work - Capitalisation
EUR
13.11.2019
171.99
read about fund
Started on 19.06.2009
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return on your capital by investing in bonds (loans) issued by governments or by financial institutions that are explicitly guaranteed by a government. These bonds are listed on a stock exchange or traded on another regulated market. The Sub-fund’s investment strategy is based on an analysis of the evolution of the financial situation of governments, inflation, interest rates and the global economic situation. This analysis allows the Sub-fund to assess the capacity of governments to repay their debts while maintaining balanced diversification among the issuers it selects. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − The Sub-fund invests in bonds that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
-0.60 %
3 months
cum. **
-0.52 %
1 year
act. **
4.84 %
3 years
act. **
-0.35 %
5 years
act. **
0.28 %
10 yrs
act. **
2.93 %
since inception
act. **
3.11 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 0,40%
Ongoing charges 0,68%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0424231065


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
High Yield at Work - Capitalisation
EUR
13.11.2019
174.54
read about fund
Started on 15.01.2014
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

"CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return on your capital by investing directly or indirectly (via other funds) in high-yield bonds (loans). These bonds are issued by public and private issuers. They are listed on a stock exchange or traded on another regulated market. To a lesser extent, the Sub-fund also invests its assets in cash and money market instruments. The Sub-fund’s investment strategy is based on an analysis of the evolution of the financial situation of governments, companies, inflation, interest rates and the global economic situation. This analysis allows the Sub-fund to assess the capacity of governments or companies to repay their debts while maintaining balanced diversification among the issuers it selects. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg."

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − The Sub-fund invests in bonds that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
-0.21 %
3 months
cum. **
1.04 %
1 year
act. **
13.27 %
3 years
act. **
4.54 %
5 years
act. **
4.73 %
10 yrs
act. **
 
since inception
act. **
5.89 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 0,80%
Ongoing charges 1,08%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0974684515


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Inflation at Work - Capitalisation
EUR
13.11.2019
192.75
read about fund
Started on 09.10.2003
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for a positive return on your capital by investing primarily in bonds (loans) linked to changes in inflation rates and primarily issued by European and US issuers. These bonds are listed on a stock exchange or traded on another regulated market. To a lesser extent, the Sub-fund also invests its assets in bonds of other issuers as well as in cash and money market instruments. The Sub-fund’s investment strategy is based on an analysis of the evolution of the financial situation of issuers, inflation, interest rates and the global economic situation. This analysis allows the Sub-fund to assess the capacity of issuers to repay their debts while maintaining balanced diversification among the issuers it selects. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − The Sub-fund invests in bonds that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. − Investing on emerging markets may be associated with risks inherent in political stability, the economic situation and/or the regulatory or tax environment, which may affect the price of the Sub-fund. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
-0.28 %
3 months
cum. **
-0.57 %
1 year
act. **
3.80 %
3 years
act. **
0.45 %
5 years
act. **
1.20 %
10 yrs
act. **
3.35 %
since inception
act. **
2.73 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 0,60%
Ongoing charges 0,87%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0175696946


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Short Duration at Work - Capitalisation
EUR
13.11.2019
156.52
read about fund
Started on 17.05.2007
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims to provide you with a high level of current income while maintaining strong liquidity. To achieve its objective, the Sub-fund invests mainly in money market instruments and fixed income or floating rate bonds. The composition of the sub-fund's portfolio takes into account geographical risk diversification requirements. The average duration of the portfolio must not exceed 36 months.The Sub-fund invests on the basis of an analysis of the key company data using the following criteria: the rating assigned by the rating agencies, cash flows and the time required to redeem the bonds with these flows, the maturity date of bonds issued by the selected companies and the ease with which these bonds can be resold. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − The Sub-fund invests in bonds that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
-0.00 %
3 months
cum. **
-0.12 %
1 year
act. **
1.11 %
3 years
act. **
0.10 %
5 years
act. **
0.56 %
10 yrs
act. **
1.19 %
since inception
act. **
1.81 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee 0,00%
Exit fee 0,00%
Management fee 0,40%
Ongoing charges 0,39%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0291670288


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund

mixed

Name
Currency
Date
NIW
Name
Currency
Date
NIW
Balanced - Capitalisation
EUR
13.11.2019
166.63
read about fund
Started on 04.06.2013
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork Foyer Group S.A.manages the portfolio of this Sub-fund. The Sub-fund aims to maintain a balance between capital protection and growth. The Sub-fund also maintains a balanced ratio between fixed or floating-ratebonds (loans) issued by governments or companies and equities (50%maximum). This proportion may be achieved either directly or by investing in other investment funds which themselves invest in bonds or equities. Most of the issuers of such equities and bonds listed or traded on another regulated market are located in Europe and the United States. The Sub-fund’s investment strategy is based on an analysis of the expected risk and return by category of instrument, issuer type and geographical area. The Sub-fund then selects the companies with solid fundamentals and high visibility that are traded on the market at a low price that the Sub-fund considers attractive. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg. Recommendation: this Sub-fund may not be suitable for investors who plan to withdraw their capital in less than four years.

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − The Sub-fund invests in bonds and equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
2.30 %
3 months
cum. **
5.23 %
1 year
act. **
11.70 %
3 years
act. **
4.71 %
5 years
act. **
4.81 %
10 yrs
act. **
 
since inception
act. **
4.55 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 0,80%
Ongoing charges 1,43%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000 Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0617431035


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Defensive - Capitalisation
EUR
13.11.2019
176.45
read about fund
Started on 18.05.2011
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork Foyer Group S.A. manages the portfolio of this Sub-fund. The Sub-fund aims to protect your capital from turbulence on the financial markets. The Sub-fund primarily invests in fixed or floating-rate bonds (loans) issued by governments or companies. A smaller portion (25% maximum) of the Sub-fund’s assets is invested in equities. This proportion may be achieved either directly or by investing in other investment funds which themselves invest in bonds or equities. Most of the issuers of such bonds and equities listed or traded on another regulated market are located in a member state of the OECD (Organisation for Economic Cooperation and Development). The Sub-fund’s investment strategy is based on an analysis of the expected risk and return by category of instrument, issuer type and geographical area. The Sub-fund then selects the companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg. Recommendation: this Sub-fund may not be suitable for investors who plan to withdraw their capital in less than three years.

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − The Sub-fund invests in bonds and equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
1.04 %
3 months
cum. **
2.56 %
1 year
act. **
9.85 %
3 years
act. **
3.10 %
5 years
act. **
3.52 %
10 yrs
act. **
 
since inception
act. **
4.10 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 0,60%
Ongoing charges 1,31%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0617430730


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Dynamic - Capitalisation
EUR
13.11.2019
184.68
read about fund
Started on 18.05.2011
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork Foyer Group S.A. manages the portfolio of this Sub-fund. the Sub-fund aims for a positive return in euros on your capital by investing primarily in equities of companies (maximum of 75%). To a lesser extent, Sub-fund assets are also invested in fixed or floating-rate bonds (loans). This proportion may be achieved either directly or by investing in other investment funds which themselves invest in equities or bonds. Most of the issuers of such equities and bonds listed or traded on another regulated market are located in Europe and the United States. The Sub-fund’s investment strategy is based on an analysis of the expected risk and return by category of instrument, issuer type and geographical area. The Sub-fund then selects the companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. The Sub-fund may enter into fixed-term or optional-term financial contracts (derivatives) listed on an exchange or traded over the counter. These contracts are used both to optimise portfolio management and to protect its value against adverse movements on the financial markets. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg. Recommendation: this Sub-fund may not be suitable for investors who plan to withdraw their capital in less than five years.

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − The Sub-fund invests in bonds and equities that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
3.64 %
3 months
cum. **
7.99 %
1 year
act. **
13.98 %
3 years
act. **
6.35 %
5 years
act. **
5.94 %
10 yrs
act. **
 
since inception
act. **
6.29 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee Max. 3,00%
Exit fee 0,00%
Management fee 0,80%
Ongoing charges 1,51%
Performance fee N/A
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30%* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU0617431381


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund
Name
Currency
Date
NIW
Patrimonium At Work - Capitalisation
EUR
13.11.2019
252.43
read about fund
Started on 11.12.2015
1
2
3
4
5
6
7
Lower risk
Generally lower rewards
Higher risk
Generally higher rewards

CapitalatWork S.A. manages the portfolio of this Sub-fund. The Sub-fund aims for long-term, optimum growth of your capital by investing directly or indirectly (via other funds) in equities and bonds (loans). Equities and bonds are issued by issuers of all nationalities and denominated in any currency. The equities and bonds in which the Sub-fund invests are listed or traded on another regulated market. The Sub-fund’s investment strategy is based on an analysis of the evolution of the financial situation of companies, inflation, interest rates and the global economic situation. This analysis enables the Sub-fund to assess the companies’ ability to repay their debts and to choose companies with solid fundamentals and high visibility that are traded on the market at a price that the Sub-fund considers attractive. The Sub-fund uses stock-exchange listed or over-the-counter stock market index or call and put stock options. The aim of these options is to take advantage of the volatility of the equities and to optimise management of the portfolio. Given the features of these options, they may have a significant bearing on the performance of the Sub-fund. This class of shares does not distribute any income. You can buy and sell shares of this class every bank business day in Luxembourg.

The following risks may also be significant for the Sub-fund: − Bond issuers may not meet their payment obligations. The Sub-fund mitigates this risk through in-depth analysis of the financial situation of the issuers in which it invests. The Sub-fund also monitors changes to their independent rating. − the counterparties to the options may be unable to fulfil their payment obligations. The Sub-fund mitigates this risk through an in-depth analysis of their financial situation. − The Sub-fund invests in shares, bonds and investment funds that can easily be sold under normal market conditions. Exceptional circumstances may result in situations in which they would be sold at a loss to you; − The Sub-fund invests on emerging stock markets that may be associated with risks inherent in political stability, the economic situation and/or the regulatory or tax environment, which may affect the price of the Sub-fund. Further details about the risks you may incur by investing in this Sub-fund can be found in the sections “Risk Hedging and Use of Financial Instruments”, “Use of Derivatives and Management of Associated Risks” and “The Sub-funds of the SICAV” in the prospectus.

Performance* (EUR) as of 13.11.2019
1 month
cum. **
2.63 %
3 months
cum. **
5.23 %
1 year
act. **
10.01 %
3 years
act. **
2.70 %
5 years
act. **
3.63 %
10 yrs
act. **
 
since inception
act. **
5.76 %
Calendar Year Returns %

Past performance is not a reliable indicator of future performance. All charges and management fees are included in the calculation of the historic performances with the exception of entry, probable exit costs and the tax.

*source : CapitalatWork Management Company
**cum. : cumulative / act. : actuarially
Fees
Minimal investment 1 share
Entry fee 3.00 %
Exit fee 0,00%
Management fee 0.80 %
Ongoing charges 1,20%
Performance fee 5% of the positive returns the fund realises above an annualreturn of 5%. Any past performances below this target level mustfirst be offset.
Conservation of securities The conservation of Sicavs of CapitalatWork Foyer Umbrella is for free when holding an account at CapitalatWork
Duration of the product Unlimited
Documents
KIIDAnnual reportSemi annual reportStatutesProspectus

* Important Any decision to invest must be made after reading the most recent prospectuses, KIID and financial information thoroughly.
Taxes
Belgian witholding tax on dividends N/A
Belgian savings tax on EU redemption 30* (* If the compartment is invested for over 10% in debt instruments, capital gains realised in fixed income will be taxed at a 30% rate.)
Stock exchange tax in case of redemption or switch of sub-fund 1,32% (Max. 4000Eur)
Scores

Morningstar** Rating

Awards
Codes
ISIN LU1157188944


** More information on the Morningstar ratings and/or categories is available in this document or from the organisation in charge of the financial service delivery (article 43 § 1st KB from 12/11/2012).

Disclaimer : This sub-fund of the Luxembourg open-ended investment company CapitalatWork Foyer Umbrella is available in Belgium, Netherlands, Luxembourg , Switzerland and Spain. The depositary of this compartment is RBC Investor Services Bank S.A.
The net asset value of the different sub-funds are published through various sources, including De Tijd and L'Echo in Belgium, De Telegraaf in the Netherlands, Wort in Luxembourg and are also found on our website www.capitalatwork.com. You can obtain the prospectus, KIID and the latest semi-annual and annual reports of the fund in French, English, Dutch or Spanish, free of charge, from the depositary or at www.capitalatwork.com.

In case of a complaint, please contact our Compliance Team. Contact details are available on www.capitalatwork.com/en/legal.
In case you disagree with the answer given by CapitalatWork to your complaint, and as far you are not classified as a professional investor, we invite you to submit your complaint to the mediation service with following coordinates “Service de Mediation Banques Credit Placements”, North Gate II, Boulevard du Roi Albert II 8 bte 2, 1000 Bruxelles” (Internet site : www.ombudsfin.be and e-mail adress : ombudsman@ombudsfin.be). The mediation service can propose solutions to end the dispute.

read about fund