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UBB ExpertEase Defensive Conservative Responsible Investing

Suitable for investors, who are not willing to incur big losses, nor taking higher risk. The target allocation is 30% for the equity component and 70% for the bond component.


  • High liquidity - units can be purchased or redeemed any time.
  • Non-taxable profit - the realized return is not taxable
  • Investments/savings diversification - you can distribute your savings into different product types, thus using the advantages of each one of them
  • Access to specialized markets - access to markets, which are usually closed or too specialized for individual investors


UBB ExpertEase Defensive Conservative Responsible Investing is global mixed ‘balanced’ investment subfund of UBB ExpertEase Contractual Umbrella Fund, which is a replenishing collective investment scheme pursuant to Article. 67 of the Collective Investment Schemes and Other Undertakings for Collective Investments Act (CISOUCIA). The subfund is a replenishing subfund and invests at least 85% of their assets in Institutional F shares BG class, denominated in euro, of main subfund Horizon KBC ExpertEase Defensive Conservative Responsible Investing, which is an investment unit of Horizon N.V, an investment company of an open type, existing under the legislation in Belgium, with headquarters and registered address: Havenlaan 2, В-1080, Brussels, Belgium, and managed by KBC Asset Management N.V.

The investment goal of the subfund is to invest at least 85% of its assets in the main subfund and up to 15% of its assets in cash and derivatives.

The target distribution of assets of the main subfund is 30% for the component of shares and 70% for the component of bonds. This distribution may be significantly changes and in this connection the main subfund may invest a significant part of the assets in classes of assets that are not included in the target distribution (as CMI and cash). The component of shares may amount to max. 45% of the assets of the main subfund.

The managers of the main subfund pay two and half times more attention to the risk of decreasing that the growth potential, due to which the part of the portfolio which may be invested in assets of lower level of risk, as cash and CMI, in a situation of insecure and/or volatile markets, may be between 60% and 95% of all assets.

Fund type Sub-fund of UBB ExpertEase
Fund risk rating 2, based on a scale from 1 (low risk) up to 7 (high risk)
Risk Indicator Category 2 means that an investment in this fund carries less risk than investments in typical mixed funds, which are usually marked as category 3. Category 2 funds invest proportionately more in bonds and interest-bearing instruments with a short maturity, than in stocks.
Legal form Sub-fund of the umbrella fund UBB ExpertEase
Currency BGN
Initial subscription price BGN 100
Initial offerring date 04.04.2022
Maturity No
Liquidity and availability Daily
Мanagement company KBC Asset Management NV
Distributor UBB


Issuance fee  0.00%
Redemption fee up to a 1-month holding period 5%
Redemption fee after 1-month holding period None
Ongoing charges 1.039%
of which inducements 0.210%
Transaction costs 0.641%

IMPORTANT! This information contains marketing material and does not constitute investment consultation, advice, investment research or investment recommendation and should not be treated as such. The information is valid at the date of its issue and may change in the future. The value of the units of the collective investment schemes changes over time and may be higher or lower than the value at the time of the investment. No profits are guaranteed and there is a risk for investors not to refund the full amount invested. Therefore, it is advisable for investors to get acquainted with the specifics of the financial instruments in which they wish to invest and to assess how appropriate they are to meet their investment objectives and risk appetite before making an investment decision. The offered investment product concerns the purchase of units in a fund rather than any instruments, in which the respective fund invests in. Investments in collective investment schemes, offered by UBB, are guaranteed by the Investor Compensation Fund, amounting to 90% of the value of all financial instruments held by the investor in UBB, but not more than BGN 40,000. Please, read the Key Investor Information Document and the Prospectus before investing. Upon request, you can receive a paper copy of these documents, free of charge, at all UBB branches, within their normal working hours with clients. Full and up-to-date information about the funds, offered by UBB, can be found at www.ubb.bg, in the section "Savings and Investments", on the website of KBC Asset Management NV - Branch  www.ubbam.bg, as well as in the UBB branches, where you can get a personalized investment advice. A summary of your rights as an investor is available at the following hyperlinks, in Bulgarian: 11074.pdf (ubbam.bg) and in English: 11365.pdf (ubbam.bg).


UBB ExpertEase Defensive Conservative Responsible Investing

  • PRIIPS KID here
  • Past performance document here
  • Performance scenarios document here
  • Monthly bulletin including the portfolio structure here
  • Sustainability-related disclosures here


Rules MF umbrella UBB ExpertEase (LEVA) (EUR) in section Documents here

Prospectus MF umbrella UBB ExpertEase (LEVA) (EUR) in section Documents here



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