On the days below, FitVermogen cannot be reached by telephone, or only to a limited extent.

Overzicht dividenden Nederlandse Goldman Sachs beleggingsfondsen

Overzicht dividenden Luxemburgse Goldman Sachs beleggingsfondsen

With FitVoorLater you can financially prepare for your future. FitVoorLater is an investment solution on online platform FitVermogen.nl (brought to you by Goldman Sachs Asset Management) and offers a straightforward and accessible way of building supplementary pension. With FitVoorLater you invest in award-winning funds and decide how much risk you want to take.

FitVoorLater was created in response to the changing regulations within the pension landscape. We all need to work longer and can now build up less pension via our employers. And the ability to build up pension with a tax exemption has been limited for individuals with higher incomes.

With FitVoorLater you have a choice of ‘FitVoorLater – Free Investment’ and/or ‘FitVoorLater – Fiscal Investment’.

FitVoorLater does not offer investment advice. Your fund selections will not be assessed against your financial situation.

Are you an employee or self-employed? You can find our brochure here.

Are you an employer, advisor or consultant? You can find our brochure for employers here.

If you opt for ‘FitVoorLater – Fiscal investment’ you can benefit from tax advantages. You must, however, comply with a number of tax and legal conditions:

• Your relevant income exceeds €114.866 (amount 2022).
• The deposit is subject to an upper limit. For more information see ‘How much may I deposit on my ‘FitVoorLater – Fiscal investment’ account?’
• The deposit and the return are blocked until the statutory retirement age is reached. Early withdrawals are subject to a number of terms and conditions.
• You are obliged to convert the accumulated capital into one of three forms of annuity, as stipulated by law. Combinations of different annuities are also possible.
• You must be resident of the Netherlands.

• ‘FitVoorLater – Free investment’ is for everyone who wants to build up a supplementary pension. You determine how much and when you invest and can withdraw assets whenever you please.
• ‘FitVoorLater – Fiscal investment’ is for everyone with a relevant annual income of €114.866 (amount 2022) or higher. The assets in a fiscal Investment accounts are exempt from the 1.2% wealth tax in box 3. The account is, however, subject to a number of tax and legal conditions.

For the conditions click here.

By law, you may not prematurely withdraw the net annuity capital. Partial withdrawal is not permitted either. If one of these transactions does occur, the ‘FitvoorLater – Fiscal investment’ account is no longer exempt from investment yield tax. The tax authorities will also take back the benefit you have received during the past years. This reversal will take place at a fixed – approximated – rate. The actual tax benefit received is not important in this respect.

For more information, please refer to the Additional Terms FitVoorLater

Deposits are subject to an upper limit and depend upon:
1. The amount you earned in the preceding calendar year in excess of the income threshold (in 2022 € 114.866);
2. Your age at the end of the calendar year in which you make the deposit;
3. If you participate in a net pension scheme via your employer, this amount has to be deducted from your deposit.

You can only make a deposit if your income in the previous calendar year exceeded the income threshold. Your income in the year in which you make the deposit is irrelevant. The maximum permitted deposit is a percentage of the relevant income in the previous calendar year insofar as this exceeds the income threshold (in 2018 € 114.866). These percentages are as follows:

If you were at least at the end of the calendar year

For more information please refer to the FitVoorLater Additional Terms and Conditions

You have accrued capital via a net annuity. If you would like to transfer your accrued capital to (or from) your FitVoorLater Fiscal Investment account from (or to) a different financial institution, please read the explanation on how to do so here (in Dutch).

Bij FitVermogen betaalt u geen kosten voor het openen en aanhouden van een FitVermogen rekening. Banken en online brokers rekenen vaak extra kosten bovenop de kosten van een beleggingsfonds.

Bij FitVermogen betaalt u geen extra kosten, zoals:

• Service- of dienstverleningskosten
• Aan- en Verkoopkosten
• Switch order kosten
• Bewaarkosten voor de beleggingsfondsen

Bij FitVermogen betaalt u alleen de kosten van de beleggingsfondsen zelf. Deze kosten gaan in op het moment dat u een fonds koopt en stoppen wanneer u het fonds verkoopt. Van deze kosten ontvangt u geen afrekening, omdat deze worden verrekend in de transactieprijs. Meer informatie over deze kosten vindt u op de fondsdetailpagina’s.

Meerdere onderzoeken van de Consumentenbond wijzen uit dat FitVermogen tot de goedkoopste fondsbeheerders behoort voor alle type fondsbeleggers.

Bij FitVermogen betaalt u géén kosten voor de dienstverlening, dus alleen de kosten van het beleggingsfonds waarin u belegt. Per 3 januari 2018 gelden er nieuwe Europese regels voor beleggingsdienstverlening, MiFID II, dat beoogt beleggers meer transparantie te bieden. Hierdoor verandert de manier waarop de kosten dienen te worden berekend en getoond. Binnen de fondsen zelf verandert er overigens niets. De nieuwe berekeningsmethodiek heeft geen invloed op uw netto rendement, immers, deze te verwachten kosten (die afhankelijk zijn van het dagelijks fondsbeheer) werden al in de dagelijkse koers verwerkt, zoals gepubliceerd in het jaarverslag.

De nieuwe Europese regels houden onder meer in dat fondsmanagers sinds 3 januari 2018 transactiekosten binnen het fonds op een andere wijze dienen te berekenen. De transactiekosten zijn de kosten die de fondsmanager maakt bij het dagelijks beheer, om te kunnen acteren op kansen en bedreigingen in de markt. Deze kosten werden al vermeld in het jaarverslag en gedurende het jaar verwerkt in de dagelijkse koers van het fonds. Vanaf 3 januari 2018 dienen deze kosten vanuit de genoemde nieuwe Europese regelgeving tevens explicieter te worden vermeld.

EFAMA, de overkoepelende Europese organisatie voor fund- en assetmanagers, is momenteel in gesprek met de Europese toezichtzichthouder (ESMA) over de methodiek van de kostenberekening. In sommige gevallen leidt de nieuwe methodiek namelijk tot opmerkelijke uitkomsten en biedt daarmee niet het beoogde inzicht voor u als belegger. Wij wachten de uitkomst van deze discussie af en publiceren voorlopig de transactiekosten conform de nieuwe richtlijnen. Dit treft u aan op de detailpagina van uw fonds als voorbeeld en in onderstaande tabel als percentage.

Wij willen graag nogmaals benadrukken dat er binnen de fondsen niets verandert, alleen de berekening van de kosten volgt een andere methodiek. Neemt u bij vragen alstublieft bij voorkeur per mail contact met ons op. Wij zijn van harte bereid de wijziging nader toe te lichten.

Meer weten? Via deze link vindt u een overzicht van de kosten per fonds.

Aan het openen van een FitVermogen rekening zijn geen kosten verbonden. Wel zal u gevraagd worden een identificatiestorting te doen van € 1,00. Dit bedrag zal worden teruggestort op uw bankrekening.

Bij FitVermogen betaalt u geen extra kosten, zoals:

• Service- of dienstverleningskosten
• Aan- en Verkoopkosten
• Switch order kosten
• Bewaarkosten voor de beleggingsfondsen

Bij FitVermogen betaalt u alleen de kosten van de beleggingsfondsen zelf. Deze kosten gaan in op het moment dat u een fonds koopt en stoppen wanneer u het fonds verkoopt. Van deze kosten ontvangt u geen afrekening, omdat deze worden verrekend in de transactieprijs. Meer informatie over deze kosten vindt u op de fondsdetailpagina’s.

During the year the stock exchanges have altered operating hours. Please find below in the overview for this year when stock exchanges are closed. This overview also indicates on which days FitVermogen is closed. Orders which have been given the day before after 13.15 h and/or orders which are given during that day, will be executed on the first following work day.

To place an order, please follow the next steps.

•    You select the fund and click the ‘Buy’-button;
•    You indicate the amount which you wish to invest;
•    You click ‘Check’;
•    You pay using iDEAL. Your order will be executed as soon as we receive the money;
•    You can review the status of your order in your portfolio overview.

Financial uncertainty and withdrawal on the part of government makes it more important than ever to accrue capital for matters such as supplementary pension, education and healthcare costs. Investment can be a means of accruing capital for these kinds of goals, which often lie far in the future. Consumers increasingly assume a do-it-yourself mentality, with the internet playing an important role in this respect.

As the largest asset manager in the Netherlands, Goldman Sachs Asset Management aims to be at the forefront of these developments. Using this simple and modern platform, people can work inexpensively towards their financial goals under their own steam. In addition, the selection of NN funds available with FitVermogen is much wider than those available from an intermediary.

Meerdere onderzoeken van de Consumentenbond wijzen uit dat FitVermogen tot de goedkoopste fondsbeheerders behoort voor alle type fondsbeleggers.

Bij FitVermogen betaalt u geen kosten voor het openen en aanhouden van een FitVermogen rekening. Banken en online brokers rekenen vaak extra kosten bovenop de kosten van een beleggingsfonds.

Bij FitVermogen betaalt u geen extra kosten, zoals:

• Service- of dienstverleningskosten
• Aan- en Verkoopkosten
• Switch order kosten
• Bewaarkosten voor de beleggingsfondsen

Bij FitVermogen betaalt u alleen de kosten van de beleggingsfondsen zelf. Deze kosten gaan in op het moment dat u een fonds koopt en stoppen wanneer u het fonds verkoopt. Van deze kosten ontvangt u geen afrekening, omdat deze worden verrekend in de transactieprijs. Meer informatie over deze kosten vindt u op de fondsdetailpagina’s.

Meerdere onderzoeken van de Consumentenbond wijzen uit dat FitVermogen tot de goedkoopste fondsbeheerders behoort voor alle type fondsbeleggers.

FitVermogen wordt aangeboden door  Goldman Sachs Asset Management en is onderdeel van Goldman Sachs Asset management. Goldman Sachs Asset management is een beursgenoteerde vennootschap.

Onze sterke punten
• Lange beleggingshistorie sinds 1845
• Wereldwijd bereik met een lokale focus
• Breed assortiment klantgerichte beleggingsoplossingen, -strategieën en -adviesdiensten
• Actief beheer met het oog op aantrekkelijke beleggingsrendementen
• Sterk risicobeheer om klanten te beschermen.

FitVermogen calculates returns using two methods. Total portfolio return is measured by calculating the "money-weighted" return. This methodology expresses the return in euros at the end of a given period as a percentage of the initial investment. The investment at the beginning of the period is adjusted for the interim deposits and withdrawals, while taking into account the amount of time that the money was in the portfolio. Example: Suppose the value of your portfolio at the end of a period (for example, a month of 31 days) is € 1275. Your initial investment was € 750. On the 20th day an additional € 500 was deposited. Your proceeds are € 1275 - € 750 - € 500 = € 25. The additional deposit of € 500 was in the portfolio for only (31-20) = 11 days. The formula used to express the yield as a percentage is: 25 / (750 + 11/31 * 500) = 2.70%

Fund performance is measured by calculating the time-weighted return. This methodology calculates returns irrespective of deposits or withdrawals to the original amount and allows investors to compare multiple funds. Example: Suppose the value of your portfolio at the end of a given period (for example, a month of 31 days) is € 1275. Your initial investment was € 750. On the 20th day an additional € 500 was deposited. We also know that the value of the portfolio was € 800 on the 20th day, just before the deposit was made. The time-weighted return is then calculated using two sub-periods: initial investment until deposit, and deposit until the end of the period. First period: 800 / 750-1 = 6.67%. Second period: 1275 / (800 + 500) -1 = -1.92%. The cumulative return over the 31-day period is: (1 + 6.67%) * (1 + -1.92%) - 1 = 4.62%

You can choose from the following two options, depending on your preferences and/or your current investment situation:

1. Transfer cash: You can sell your current holdings and transfer the proceeds to us. We will reimburse the transaction costs related to the sales.* Once you have a FitVermogen account, you can purchase shares of NN funds free of transaction charges. At FitVermogen, you pay only annual fees for the funds you select.

2. Transfer NN funds:You can transfer your holdings in NN funds at your current bank to your FitVermogen account using the transfer form. We will compensate you for the costs of the transfer.*

Download form FitVermogen Overstapservice

* We reimburse your costs up to an amount equal to 0.5% of the funds transferred, with a maximum reimbursement of € 5,000.

Yes. If you transfer your shares of NN funds to a FitVermogen account, we reimburse the costs of the transfer.

You can switch to FitVermogen in one of two ways, depending on your preferences and/or your current investment situation:

1. Transfer cash: You can sell your current holdings and transfer the proceeds to us. We will reimburse the transaction costs related to the sales.* Once you have a FitVermogen account, you can purchase shares of NN funds free of transaction charges. At FitVermogen, you pay only annual fees for the funds you select.

2. Transfer NN funds:You can transfer your holdings in NN funds at your current bank to your FitVermogen account using the transfer form. We will compensate you for the costs of the transfer.*

Download form FitVermogen transfer funds

* We reimburse your costs up to an amount equal to 0.5% of the funds transferred, with a maximum reimbursement of € 5,000.

1. When purchasing your favorite fund (s), tick the "Monthly" check box.
2. Set up a periodic payment for the same amount to your FitVermogen investment account in your personal internet banking environment. You will transfer the money to GSAM’s central account number: NL71INGB0650987179. Indicate GSAM Investor Giro B.V. as payee and enter your FitVermogen account number under description.

• Convenience: you only have to set this up once
• No need to worry about moment of entry: the exact moment of entry is not important because you automatically purchase fewer shares or bonds if prices have risen and more shares if prices have fallen. In this way you are averaging your purchase price.
• Start small: you can begin investing without having to invest a large amount at one time.

FitVermogen collects, in any case, the following personal data: name, gender, date and place of birth, address, place of residence, email address, telephone number, Social Security Number and bank account number. Further information can be found in the privacy statement.

We ask you for personal data that we need to carry out the agreement, to fulfil statutory obligations and to perform suitable marketing activities. Should you no longer wish to receive these offers, you can opt out of them at all times.

Further information can be found in the Privacy Statement.

We provide your personal data only if that is necessary in order to carry out the agreement or if it is required by law to provide your data.

FitVermogen processes personal data for marketing purposes as well. Advertising addressed to you personally is only sent if it concerns a service of the same kind for which you entered into the agreement or if you have provided your consent to do so. This consent can always be withdrawn as well. Further information can be found in the privacy statement.

We provide your personal data – only if we have one of the reasons mentioned above – to the following parties: our staff, as far as they need this data for their work; companies to whom we outsource activities; your employer or a similar organisation, in the case of a collective agreement; public services, such as supervisory authorities or the police, if we are required by law to do so. Further information can be found in the Privacy Statement.

If you do not become a customer, FitVermogen keeps your data for a maximum period of 180 days. Once you become a customer of ours, we keep your personal data as long as necessary during the contract. After termination of the contract, the personal data is still kept for a period of seven years on the basis of statutory obligations. Further information can be found in the privacy statement.

Information about keeping personal data from telephone calls and emails can be found in the Privacy Statement.

You may request access to the personal data that FitVermogen processes about you. You may also object to the processing of your personal data. Further information can be found in the privacy statement.

You are entitled to have your personal data changed if it is not correct and to have your personal data deleted if your personal data is unlawfully processed. There are certain cases in which we are unable to comply with your request. Further information can be found in the Privacy Statement.

• You can contact us via info@fitvermogen.nl. We will then work with you to find a suitable solution.
  
  
• You can also contact our data protection officer via dpo@nnip.com.
  
  
• You are also entitled to file a complaint with the Dutch Data Protection Authority.

The personal data of customers of FitVermogen is not processed outside the EU at present.

Due to the increase of cloud services, there is a chance that some personal data may be processed at any moment outside the EU. If such is the case, FitVermogen ensures that the same protection applies to this data as also applicable in the EU.

Yes. On the basis of the General Data Protection Regulation (GDPR), all data breaches must be reported to the Dutch Data Protection Authority, unless it is unlikely that the data breach will result in a risk for the rights and freedoms of the data subject.

Under the GDPR, FitVermogen has it own independent obligation to communicate to you a possible data breach, without undue delay, where it has been established that you run a high risk as a result.

FitVermogen maakt gebruik van functionele en niet-functionele cookies. Een toelichting van deze begrippen vindt u in het Privacy Statement. Als u de eerste keer onze website bezoekt, vragen wij uw toestemming om cookies te plaatsen.

• Service- of dienstverleningskosten
• Aan- en Verkoopkosten
• Switch order kosten
• Bewaarkosten voor de beleggingsfondsen

The € 1.00 will be refunded to your bank account on the day of completion of the identification.

It is possible that your deposit will be refunded earlier. The reason for this may be that the data you have entered (initials, surname and bank account number) do not match the details of your bank account. Please check your details and try to make the deposit.