Funds & NAV

Information on the value of funds that are still active

Monument Assurance Belgium provides the net asset value (NAV) of the investment funds associated with the portfolios under management.

These products are no longer marketed by Monument Assurance Belgium but remain active for policyholders.

The fund’s net asset value (NAV)

The fund’s net asset value (NAV) is € 110,00 on Wednesday, September 16, 2026

Select a different period for which you wish to view the trend by moving the sliders below the chart.

Integrale Perspective Test-Achats portfolio value

Documents

NL

AssetsLibrary.FilesInsideFolder

Formulaire de rachat.pdf Note explicative (annexe) - Personnes politiquement exposées.pdf Règlement de gestion du fonds Perspective - Test Achats applicable dès le 18 décembre 2024.pdf

Portfolio composition

Overview of the target composition of the investment fund as at 30 April 2026.

US shares

15% iShares MSCI USA SRI ETF
Brazilian shares

5% Franklin FTSE Brazil UCITS ETF
Mexican shares

5% Xtrackers MSCI Mexico UCITS ETF
Chinese shares

10% Market Access Stoxx China A Minimum Variance Index UCITS ETF
Indian shares

5% Robeco Indian Equities EUR
Indonesian shares

5% Amundi MSCI Indonesia UCITS ETF
Polish shares

5% iShares MSCI Poland UCITS ETF
High-yield bonds denominated in euros

5% Xtrackers II EUR High Yield Corporate Bond UCITS ETF
US dollar-denominated government bonds

25% iShares $ Treasury Bond 7-10yr UCITS ETF
Corporate bonds denominated in US dollars

10% iShares $ Intermediate Credit Bond UCITS ETF
High-yield bonds denominated in US dollars

5% Fidelity Funds – US High Yield Fund
Bonds denominated in Norwegian kroner

5% Nordea 1 – Norwegian Short-Term Bond Fund AP NOK

Costs

In accordance with the Royal Decree of 10 April 2025, which came into force on 1 January 2026, Monument Assurance Belgium is required to publish the costs of third-pillar products.

Entry costs: 1.5%

This is the maximum cost calculated on all net premiums paid.

Recurring costs: 0.80%

This is the maximum annual cost, calculated at a rate of 1/52th per week.

The costs are borne by the investment fund and are automatically deducted from the unit value.

Occasional charges

Surrender charges amount to 4% of the policy value during the first year following policy issue. They then decrease by 1 per cent per year. From the fifth year onwards, no surrender charges are applied.

No surrender charges are applied in the event of the insured person’s death.

Monument Assurance Belgium may charge fees for:

  • checks to determine whether the insured person is still alive;
  • searches for beneficiaries.

These fees may not exceed 5% of the insured benefits, up to a maximum of €200.

Taxes

Premiums paid are subject to a 2% tax.

The policyholder is not entitled to any tax relief on the premiums paid.

From the 1st January 2026, a 10% tax will be applied to capital gains realised on certain financial products, in particular upon surrender or redemption of the capital of certain life insurance policies whilst the insured is still alive.

For further information, please refer to the FAQ – Capital Gains Tax section.