With the Zwitserleven Credits Fonds you can invest in sustainable and responsible bonds issued by companies or institutions.
As of 27 August 2025 the terms and conditions of Zwitserleven Credits Fonds will change. For more information see nieuwsbericht (NL).
What does the fund invest in?
The fund invests, via Cardano Green, Social & Sustainable Euro Credit, in sustainable corporate bonds, primarily of investment grade quality, denominated in euros. A limited portion can also be invested in bonds of government-related institutions or agencies, as wel as supranational institutions. The average credit risk of the portfolio must be at least BBB-.
What is the investment objective?
The investment objective of the fund is to achieve a financial return that is at least equal to the return of the benchmark. In addition, the fund pursues long-term sustainability objectives. You can read about these objectives in chapter 4 and 11.9 of the prospectus Zwitserleven Beleggingsfondsen at the bottom of this page.
How does the fund invest?
The fund invests actively. The fund manager selects the loans based on expected market developments and tries to achieve a return that is better than the return of the benchmark. Of course, all investments meet the sustainability criteria. You can read about these criteria in chapter 4 and 11.9 of the prospectus Zwitserleven Beleggingsfondsen.
How sustainable and responsible does the fund invest?
With the Zwitserleven Credits Fonds, Zwitserleven has opted for a fund with a sustainable and socially responsible investment policy. The fund aims to make sustainable investments, in line with Article 9 of the Sustainable Finance Disclosure Regulation (SFDR). Therefore the investments should meet the sustainability objectives. You can read these for all investments in detail in chapter 11.9 and in the appendix 12.2.9 of the prospectus Zwitserleven Beleggingsfondsen at the bottom of this page. A summary of the sustainability information can be found in the Duurzaamheidsinformatie Zwitserleven Credits Fonds also at the bottom of this page. Information about the developments and results of the past year with regard to sustainability can be found in chapter 1.11 of the Jaarverslag Zwitserleven Institutionele Beleggingsfondsen. Current sustainability information can be found in the fund's factsheet.
What fund costs are charged?
Fund costs are charged and consist of:
- Ongoing Charges Figure, which is charged daily to the fund's price. The expected Ongoing Charges Figure of the Zwitserleven Credits Fonds is 0.04% per annum.
- Management fees that are settled with the investment value every month. Information about management fees can be found in your pension scheme rules.
- The fund charges a fee when investors are entering or exiting the fund, because it must buy or sell investments. Therefore the fund charges an entry fee or an exit fee on the net asset value of the fund. Cardano Asset Management (the Manager) periodically calculates whether the long-term average transaction costs are still in line with the actual costs. If this is no longer correct, the Manager can change the height of the fees. As long as this does not exceed the maximum, these changes will take effect immediately and will be published on the Cardano Asset Management website. The current fees can be found in the overview Actuele op- en afslagen.
Zwitserleven Credits Fonds is a sub fund of Zwitserleven Beleggingsfondsen. The manager of Zwitserleven Credits Fonds is Cardano Asset Management N.V.. Zwitserleven Credits Fonds and Cardano Asset Management N.V. are registered with the Dutch Authority for the Financial Markets (AFM). For this sub fund, a prospectus and Key Information Document are available on zwitserleven.nl. The information shown on this web page may not be regarded as investment advice.