Guide to Investing

This section describes how to go about investing in the Capital Group Luxembourg funds for CG associates, family members and minors as well as setting up direct debit investment plans.

Please contact Client Operations if you wish you establish a Trust account. Given the complexity and time required to open such accounts, the account opening request will be evaluated in conjunction with Compliance before being accepted.

Follow this brief, step-by-step procedure to open an account in a Capital Group Luxembourg fund.

Please note that the process differs slightly for family members.

Investor steps:

1. Email the following documents to Client_Operations@capgroup.com:
   • Completed Account Opening Form (signed and dated)
   • Photocopy of valid ID/Passport which bears the investor’s signature and picture
   • A recent copy of a utility bill (< 6 months) containing the address of the investor as mentioned in the account opening form
     
     
2. Source of Wealth (SOW) documents to prove source of funds (i.e. Last pay slip, annual tax declaration, etc)
   
   For confidentiality reasons, email SOW documents directly to JPMorgan capital.ta@jpmorgan.com with their unique reference number (will be provided by Client Operations team after Step 1).
   
   
3. Once your account has been opened, Client Operations Team will email your new account number. You will then be able to place your first subscription.
   
   
4. Please contact Client_Operations@capgroup.com if you would like to have online access to JPMorgan Lux Investor Portal. Online access may be subjected to restrictions and limitations.
   
   
5. If you are a covered* associate or family member residing in the same household, you must report your securities transactions to the Personal Investing Committee (PICO), consider automating this reporting by completing the PICO Authorisation form.

* ’Covered associates’ are associates with access to non-public information relating to current or imminent fund/client transactions, investment recommendations or fund portfolio holdings.

CG Associates step for family members

The CG Associate should email Client_Operations@capgroup.com with a self-declaration form to declare the relationship between the CG associate and investor. We recommend the CG Associate to include their family member (investor) in the email.

For existing CG associates family members investor who wish to open additional account(s), it is not required to provide another self-declaration form.

Opening a new account for minors

There are various ways to set up accounts for minors. The account can be opened in the name of the minor, or it can be opened for the benefit of the minor. To find out more details and to determine which scenario best suits your needs, please contact Client Operations Team.

Please note that the required identification documents may vary depending on how you want the account to be registered and must be sent together with the account opening documents. In all cases, the minor, his or her legal guardians and any joint shareholders must be identified.
 

When the minor turns 18

The age of majority will be determined by the laws of the country of citizenship of the minor. In most countries, the age of majority is reached at 18 years of age.

Complete, sign and date the Age of Majority Form.

Send the original form and any additional documents to the Capital Group Investor Services mailing address.

Please note that the required identification documents may vary depending on how you want the account to be registered and must be sent together with the completed Age of Majority Form. For more information, please contact IST Client Operations Team.

Guides for Certification

Certifiers can be among others Notary, Solicitors, post offices depending on the rules in place in your country of domicile (see below table for more details).

In the following countries: Switzerland, Luxembourg, the UK, Germany, The Netherlands, Spain and Italy and in Asia: Hong Kong and Singapore certification can also be performed by employees of a Regulated Financial Institution – this would cover employees working for any Capital Group affiliated company.

The certifier would need to certify as a true copy a copy the ID document while seeing the person and the original ID.

The certification should include the name, position, date, stamp of the company and the wording: “I certify that this is a true copy of an original document”.

JP Morgan Transfer Agency Portal (TAP) is an online platform designed to provide investors with a seamless and secure way to access and manage your holdings. With TAP, you can conveniently view their portfolio, access important documents, review transaction history and place trades online.

• If you wish to open a new Luxembourg fund account, you will be registered for TAP by default. Once your account is successfully opened, JPMorgan Luxembourg will send you a welcome email containing detailed instruction on how to onboard to TAP and activate the online dealing service. If you do not wish to be registered, you may opt out by selecting "No" in the account opening form.
  
  
• If you are an existing account holder without TAP access, please download the TAP onboarding form from the provided link. After filling out the form, please sign it and email it to ta.portal@jpmorgan.com for processing. Once you are successfully onboarded, JPMorgan Luxembourg will send you a welcome email containing detailed instruction on how to onboard to TAP and activate the online dealing service.
   

J.P. Morgan Markets Access Request (acctmanagement.com)

For CG associates, we kindly request that you use your private email address, separate from your company email address associated with Capital Group. If your current email address in your Luxembourg fund account is linked to Capital Group, please reach out to Client Operations team Client_Operations@capgroup.com to make the necessary changes. 
 

You can contact ta.portal@jpmorgan.com for any general inquiries regarding onboarding and troubleshooting.

Placing transactions through the JPMorgan Transfer Agency Portal (TAP)

For all Lux sub-funds, the eligible share classes are ZL and equivalents with minimum investment requirement waived.

Subscription, Redemptions, Switches and Share Transfers can be placed via JPMorgan Transfer Agency Portal (TAP). Dealing cut-off time of the fund is 13:00 CET.

The online dealing service is available to the existing TAP users. Please consult the User Guide provided to activate the online dealing services and place deals.

• You may transact on any day that is a Valuation Date for the fund. For non-trading days, please refer to our website. Please make sure to select a currency and share class which is registered in your country of residence. In case of doubt, please contact IST Client Operations team Client_Operations@capgroup.com
• It is recommended to transfer cash prior to placing the subscription online. The subscription cash must be received at JP Morgan by the cut-off time of 13:00 CET on trade date otherwise the deal will be cancelled, and the investor will be required to re-enter the subscription. Any cancelled deals will be notified to the investor by email.
• The payment details, including the relevant bank account information, can be found in the Payment section.
• Any redemption proceeds will be paid to the bank details provided upon account opening.
• Contract notes can be downloaded from TAP.
• Joint account holders are required to designate an “Approver” in order to submit the deals.
• Share transfers will be completed instantaneously and are limited to internal accounts within JPMorgan SE, Luxembourg Branch. External transfers are not permitted via online dealing platform.   

Placing transactions through the submission of a Transaction Request From

Subscriptions

For all Lux sub-funds, the eligible share classes are ZL and equivalents with minimum investment requirement waived.

1. To place a subscription, please complete the Transaction Request Form and email it in PDF format, signed and dated, to jpmbl.tadealing@jpmorgan.com prior to the fund’s dealing cut-off time. Please note that the sender’s email address should match the address that appears on the account opening form.
   
   
2. You may transact on any day that is a Valuation Date for the fund. For non-trading days, please refer to our website. Please make sure to select a currency and share class which is registered in your country of residence. In case of doubt, please contact IST Client Operations team.
   
   
3. The transaction will only be processed once the transaction request form and corresponding cash amount is received by JP Morgan before the fund’s dealing cut-off. There could be few days delay between receipt of the deal instruction and the trade date applied to the transaction.
   
   
4. You can pay by bank transfer or Direct Debit Form (CHF). 
   
   
5. Details of where to send your money are given in page 5 of the Transaction Request Form. You can pay for your subscription in CHF, EUR, GBP, JPY, SGD and USD. Please note that our bank accounts are based in Luxembourg, hence you are likely to need to perform an overseas fund transfer/TT where costs may apply. Investor will have to bear any fees charged. Tip: Please use the account details of the bank, and not the correspondent bank.
   
   
6. Share prices are published and reporting is available in each of these currencies.
   
   
7. Please make sure to read the relevant Key Investor Information Document (KIID) available on our website.

Redemptions

1. To place a redemption, please complete the Transaction Request Form and email it in PDF format, signed and dated, to jpmbl.tadealing@jpmorgan.com prior to the fund’s dealing cut-off time. Please note that the sender’s email address should match the address that appears on the account opening form.
   
   
2. You may transact on any day that is a Valuation Date for the fund. For non-trading days, please refer to our website.
   
   
3. Your redemption request will be processed based on the Net Asset Value (NAV) prevailing that day. The redemption proceeds will normally be transferred to your bank account within three or four weekdays.

Switches

A switch entails a redemption from one fund and a subscription into another fund. 

1. Please complete the Transaction Request Form and email it in PDF format, signed and dated, to jpmbl.tadealing@jpmorgan.com prior to the fund’s dealing cut-off time. Please note that the sender’s email address should match the address that appears on the account opening form.
   
   
2. You may transact on any day that is a Valuation Date for the fund. For non-trading days, please refer to our website. Please make sure to select a currency and share class which is registered in your country of residence. In case of doubt, please contact IST Client Operations team.
   
   
3. If one of the affected funds is closed for dealing, the switch instruction will be processed on the first Valuation Date, on which all relevant funds are open.

Share Transfer

1. Please complete the Share Transfer Form and email it in PDF format, signed and dated, to jpmbl.tadealing@jpmorgan.com.
   
   
2. Please note that the sender’s email address should match the address that appears on the account opening form.
   
   
3. Upon receipt of the signed form, the processing of share transfers will be completed within 48 hours.
   
   
4. Share transfer can only be made to an external custodian who has an agreement with Capital Group to host CG Luxembourg funds.
   
   
5. Transferring ZL share and their equivalent to an external custodian is not allowed. Prior to initiate any transfers, it is necessary to switch to Z share or their equivalent. 
   
   
6. For change of the beneficiary ownership transfers, Share Transfer Form must be faxed to JPMorgan SE, Luxembourg Branch +352 46 26 85 432

Payments

Transfer fees may be charged for cross-boarder payments. The fees imposed by the remitting bank may vary. Capital Group will not cover any transfer costs.
 

The beneficiary’s address for JPMorgan SE, Luxembourg Branch is:  6 route de Treves, Building H, Floor 03, Senningerberg, L-2633, Luxembourg.
 

Please refer to the Standard Settlement Instructions (SSIs) in the Dealing Guide
 

Setting up a Standing Order (Direct Credit)

For all LUX sub-funds, the eligible share classes are ZL and equivalents with minimum investment requirement waived.
 

To establish a standing order, you must already have an account with Capital Group. If you need assistance, please contact a member of Client Operations Team to help you set up the standing order.
 

Direct Debit (Swiss-domiciled investors only)

For all LUX sub-funds, the eligible share classes are ZL and equivalents with minimum investment requirement waived.
 

Set up a direct debit

To establish a direct debit investment plan, you must already have an account with Capital Group.

1. Complete sections 1, 2 and 4 of the applicable Direct Debit Form (CHF).
   
   Note that the monthly minimum amount per Fund is CHF 80.
   
   
2. Please complete the LSV form and send to your bank for approval.
   
   
3. Once LSV is approved by your bank, send the LSV and Direct Debit form(CHF) in PDF format to capital.ta@jpmorgan.com

The initial direct debit request must be received no later than the 20th of the month for it to be effective the following month.

Direct debits take place on the 5th of the month or on the next valuation day. In the case of direct debit failures, Capital Group Investor Services will redeem the unpaid shares from your holding.

Modify an existing direct debit

If you wish to amend, suspend or cancel an existing direct debit instruction, please complete section 3 of the Direct Debit Form (CHF) or and fax the signed form to Capital Group Investor Services (+352 46 26 85 432). N.B. Faxed instructions will only be accepted if fax indemnity is a valid option on your account profile.

All changes to your payment details require an original instruction to be sent to Capital Group Investor Services.

Please note that requested changes to a direct debit must be received no later than the 20th of the month for it to be effective the following month.

Updating your account information

Please remember to inform JPM of any changes to your account information, such as change of address. Please note that ongoing maintenance of your account information, including requests for updated versions of documents provided at account opening, may be required of you for regulatory purposes. Failure to update your account information may result in unwanted consequences such as statements not being sent to your desired address.

Please note that the fund may get in touch with you for any regulatory updates.

1. If you wish to change your personal details, such as contact information, name, nationality, bank account or dividend options, please complete the Account Maintenance Form.
   
   
2. Please email the completed form Account Maintenance Form, signed and dated, to capital.ta@jpmorgan.com for processing.

Please note that JPMorgan Luxembourg may peform call-back to authenticate the changes.

Minor turning 18

1. If you have an account opened for a minor who has turned 18, please complete the Age of Majority Form.
   
   
2. Please email the completed Age of Majority Form, signed and dated, to capital.ta@jpmorgan.com for processing.

Please note that JPMorgan Luxembourg may perform call-back to authenticate the changes

Subscription

Account opening form

To open a new account, or add to an existing account.

Eligibility spreadsheet

To open a new account for CG associates relatives 

Transaction form

To subscribe, redeem or switch shares. You can only transact once your account has been approved and opened.

Direct debit (CHF)

To establish regular investments in the Capital Group Luxembourg funds for CHF

LSV Direct Debit (CHF)

To be sent to your bank for approval in order to establish regular investments in the Capital Group Luxembourg funds for CHF

Share Transfer Form

To transfer CG Luxembourg funds within the transfer agent accounts

Dealing Guide

A comprehensive guide to navigate the fund dealing 

TAP User Guide

TAP Online dealing User Guide

Account maintenance

Name change

To update the name information for an existing account.

Address change

To update the address or contact details of an existing account.

Bank account details change

To update bank account details or dividend payment details for an existing account.

Tax details change

To update the tax information for the account holder(s) of an existing account.

Reporting details change

To make changes to the reporting currency or recipients of investor documents.

Age of majority form

To be used when a minor reaches the age of majority (based on citzenship) and requests a transfert of assets into their own name.

Code of Ethics (COE) Authorization Form

For current covered CG associates only. To sign up for automated reporting of your covered securities transactions.