Optimum Fund Enhanced Intelligence Global Allocation Responsible Investing uses market and economic data models to generate forecasts or predictions for the development of the financial markets and asset classes.

These data have been carefully selected by experts from KBC Asset Management NV. KBC Asset Management NV first determines which asset classes, regions, sectors and areas are suitable for investment. The models then uses different artificial intelligence techniques to determine on a daily basis the investment or distribution of the equity and bond components in the eligible regions, sectors and areas, based on the generated expectations or forecasts. Mood data can also be used to determine the content or distribution of a shareholder component. Examples of this are the moods in news articles or the number of publications related to a particular company.

The influence of the artificial intelligence on the investment of the bond component is more limited than on the filling of the equity component or the determination of the distribution between the asset classes (for more explanations see “specific strategy” in the information on this sub-fund in the prospectus).

In order to increase comfort for investors, the actions of artificial intelligence are monitored by people called administrators. However, observers ("administrators") can always choose not to follow the models or to follow them only partially. Human intervention is expected to occur only in exceptional circumstances. The shareholder component invests in a global share selection. The bond component invests in a global selection of bonds. The prospectus specifies the credit rating * that the bond component must meet (for further explanation, see “Investment data” of the information related to this sub-fund in the prospectus). With regard to both components, all regions, sectors and areas are taken into account (analysed).

The fund pursues responsible investing objectives based on a dualistic approach: a negative screening and a positive selection methodology. The negative screening entails that the fund may not invest in assets of issuers that are excluded based on exclusion criteria (including tobacco, gambling activities and weapons). More information on the exclusion policy can be found at www.kbc.be/investment-legal-documents > Exclusion policy for Responsible Investing funds. The positive selection methodology is a combination of portfolio targets and supporting sustainable development. Portfolio targets are based on a reduction in greenhouse gas intensity and an improvement in ESG characteristics versus its benchmark. Sustainable development is supported by investing in green, social and sustainability bonds and in issuers contributing to the UN Sustainable Development Goals. More information on the positive selection methodology and the concrete goals of the fund can be found at www.kbc.be/investment-legal-documents > Investment policy for Responsible Investing funds and in the annex to the prospectus for this fund. 

Optimum Fund Enhanced Intelligence Global Allocation Responsible Investing is actively managed with reference to the following composite benchmark: 55% MSCI All Countries World Net Return Index, 22.5% JP Morgan EMU Government Bonds Investment Grade ALL Maturities Total Return Index, 22.5% iBoxx Euro Corporates Total Return Index. The fund does not aim to replicate the benchmarks.