natgillin/translations-raw huggingface dataset:
i de tilfælde, hvor de omkostninger, der skal oplyses, kan udtrykkes som en fast procentsats af aktivernes værdi, kan der ses bort fra disse ved den angivne beregning i punkt 72, litra a), i dette bilag, og de kan i stedet lægges sammen med procentsatsen for den årlige interne forrentning i i forbindelse med det efterfølgende omkostningsfrie scenarie.
for the calculation of the portfolio transaction, the costs to be disclosed referred to in point 72 shall be the portfolio transaction costs according to points 7 to 23 of this Annex for investment funds, point 29(c) of this Annex for PRIPs other than investment funds, except PRIIPs referred in point 17 of Annex IV, and point 52(h) of this Annex for insurance based investment products;
Særlige krav vedrørende PRIP'er, der ikke er investeringsfonde
for the calculation of the insurance costs ratio, the costs to be disclosed referred to in point 72 of this Annex shall be the insurance costs according to points 59 and 60 of this Annex for insurance based investment products.
Ved beregning af det omkostningsfrie scenarie, til hvilket der henvises i punkt 70 i dette bilag, i forbindelse med PRIP'er, der ikke er investeringsfonde, skal bruttobetalinger fra detailinvestoren i beregningen af r i henhold til punkt 72 i dette bilag reduceres med de omkostninger, der skal oplyses.
The other recurring costs ratio shall be the reduction of the annual yield due to other recurring costs that is calculated as the difference between the summary cost indicator according to point 61 of this Annex and the sum of the one-off costs ratio, according to point 63 of this Annex, plus portfolio transaction costs ratio, according to point 66(a), plus insurance costs ratio, according to point 66(b) of this Annex, plus the incidental costs ratios, according to point 68 of this Annex.
Særlige krav vedrørende forsikringsbaserede investeringsprodukter
Incidental costs and incidental costs ratios (performance fees and carried interests ratio)
Ved de beskrevne beregninger i punkt 70 til 72 i dette bilag antages det, at der i forbindelse med forsikringsbaserede investeringsprodukter ikke finder betalinger sted som et resultat af forsikringsdækning i løbet af investeringsperioden.
For the calculation of the performance fees ratio, the cost to be disclosed referred to in point 72 shall be the portfolio incidental costs according to point 6(a) of this Annex for investment funds.
Derfor skal beregningen af den summariske omkostningsindikator alene være baseret på skønnede kapitaltilbagebetalinger.
For the calculation of the carried interests ratio, the cost to be disclosed referred to in point 72 of this Annex shall be the portfolio incidental costs according to point 6(b) of this Annex for investment funds.
I det omfang, at periodiske omkostninger og engangsomkostninger er dækket af de eksplicitte omkostninger, som er en fast del af præmieberegningen for produktet, beregnes periodiske omkostninger og engangsomkostninger på baggrund af disse eksplicitte omkostninger.
The ‘ongoing costs’, ‘performance fees’ and ‘carried interests’ as referred to in Annex VII are respectively the ‘recurring costs’, ‘performance fees ratio’ and ‘carried interests ratio’ as referred to in this Annex and in Article 5.
I forbindelse med overskudsdeling gælder følgende for forsikringsbaserede investeringsprodukter:
Calculation of summary cost indicator
ved beregning af periodiske omkostninger og engangsomkostninger for forsikringsbaserede investeringsprodukter anses beløb, der tilbageholdes fra afkastet på investeringen på grund af ordninger om overskudsdeling, for at være omkostninger
The summary cost indicator shall be calculated as the difference between two percentages i and r where r is the annual internal rate of return in relation to gross payments by the retail investor and estimated benefit payments to the retail investor during the recommended holding period and i is the annual internal rate of return for the respective cost free scenario.
hvis en del af omkostningerne tilbagebetales til detailinvestorerne i form af separate omkostningsbonusser, anses dette for at være en omkostningsnedsættelse, som reducerer de fratrukne omkostninger under forudsætning af:
The estimation of future benefit payments under point 70 of this Annex shall be based on the following assumptions:
at omkostningsbonusserne deklareres adskilt fra andre dele af deltagelsesbonussen og anvendes til tilbagebetaling af en del af omkostningerne ved produktets kontraktmæssige vilkår
except for PRIIPs as referred to in point 17 of Annex IV, the annual internal rate of return, i.e. the performance, of the PRIIP shall be calculated applying the methodology and the underlying hypothesis used for the estimation of the moderate scenario from the performance scenarios section of the key information document;
at PRIIP-producenten ved hjælp af gode aktuarmæssige metoder kan dokumentere, at forventede fremtidige omkostningsbonusser er dækket af forventede fremtidige overskud, som er et resultat af forsigtige forventninger vedrørende fremtidige omkostninger.
the benefit payments shall be estimated under the assumption that all costs included in the total costs according to point 62 of this Annex are deducted;
Beregning af kvoter
for PRIIPs as referred to in point 17 of Annex IV and for UCITS or non-UCITS funds for which PRIIP manufacturers use the key investor information document in accordance with Article 14(2) of this Regulation, the performance shall be 3 %.
Anti-dobbelttællingsprincip
For the purpose of the calculation of the cost free scenario as referred to in point 70 of this Annex the following shall apply:
Hvis en type omkostning er dækket af to eller flere typer af omkostninger i henhold til dette bilag, må denne type af omkostninger kun medtages en gang i beregningen af indikatorerne (kvoterne), som er baseret på disse.
for the calculation of i either gross payments by the retail investor from the calculation of r shall be reduced by the costs to be disclosed or the projected benefit payments to the retail investor from the calculation of r shall be increased under the assumption that the amounts of the costs to be disclosed had additionally been invested.
Andre specifikationer
Then i is the annual internal rate of return in relation to these adjusted payments by and to the retail investor;
Kvoterne skal angives som en procentsats med to decimaler.
where costs to be disclosed can be expressed as a constant percentage of the value of the assets they may be disregarded in the calculation described in point 72(a) of this Annex and instead be added to the percentage of the annual internal rate of return i for the respective cost free scenario afterwards.
Kvoterne skal beregnes mindst en gang om året.
Specific requirements for PRIPs other than investment funds
Kvoterne skal være baseret på de seneste omkostningsberegninger, som er fastlagt af PRIIP-producenten.
For the purpose of the calculation of the cost free scenario as referred to in point 70 of this Annex for PRIPs other than investment funds, gross payments by the retail investor from the calculation of r, as referred to in point 72 of this Annex, shall be reduced by the costs to be disclosed.
Med forbehold for punkt 77 i dette bilag foretages skøn over omkostninger »inklusive alle skatter«.
Specific requirements for insurance-based investment products
For investeringsfonde gælder følgende:
For the purpose of the calculations described in points 70 to 72 of this Annex, it shall be assumed that, for insurance-based investment products, no payments resulting from insurance coverage occur during the holding period.
der skal foretages en separat beregning for hver aktieklasse, men hvis enhederne i to eller flere klasser sidestilles, kan der foretages en enkelt beregning for dem
That is to say, the calculation of the summary cost indicator shall be solely based on estimated endowment benefit payments.
hvis fonden er en paraplyfond, skal hver deltagende afdeling eller underfond behandles separat for så vidt angår dette bilag, men udgifter, der bæres af fonden i sin helhed, skal fordeles mellem alle underfondene på en måde, som er rimelig overfor alle investorer.
To the extent recurring and one-off costs are covered by explicit costs that are a fixed part of the premium calculation of the product the calculation of recurring and one-off costs shall be based on these explicit costs.
Med undtagelse af den første beregning i forbindelse med en ny PRIIP, og andet ikke er angivet, beregnes kvoterne mindst en gang om året på ex-post basis.
For profit participation for insurance based investment products the following shall apply:
Hvis de ex-post tallene anses for uegnede på grund af væsentlige ændringer, kan der i stedet anvendes et skøn, indtil der foreligger pålidelige ex-post tal, der afspejler effekten af disse væsentlige ændringer.
when calculating recurring costs and one-off costs for insurance-based investment products amounts retained from the investment return through profit sharing mechanisms shall be considered as costs;
Ex-post tallene skal være baseret på de seneste omkostningsberegninger, som på en rimelig baggrund anses for at være egnede til dette formål af PRIIP-producenten.
where a part of the costs is returned to retail investors by separate cost bonuses this shall be considered as a cost rebate that reduces cost deductions provided:
Tallene kan være baseret på omkostninger, der er angivet i den pågældende PRIIP's resultatopgørelse og offentliggjort i dens seneste års- eller halvårsberetning, hvis den opgørelse er tilstrækkelig aktuel.
that the cost bonuses are declared separately from other parts of the participation bonus and are intended for refunding parts of the costs by the contractual terms of the product.
Hvis den ikke er tilstrækkelig aktuel, skal der i stedet anvendes en lignende beregning baseret på afholdte omkostninger i løbet af en 12-måneders periode, der er mere aktuel.
that the PRIIP manufacturer can substantiate on the basis of sound actuarial methods that expected future cost bonuses are covered by expected future profits that result from prudent assumptions on future costs.
Information om gældende kvoter for tidligere år/perioder skal offentliggøres på det sted, der er angivet i dokumentet med central information som en generel kilde til yderligere information for investorer, der rekvirerer det.
Calculation of ratios
I tilfælde, hvor der skal tages højde for omkostningerne vedrørende en underliggende UCITS eller AIF, gælder følgende:
Anti-double counting principle
omkostningsindikatoren for hver underliggende UCITS eller AIF skal beregnes pro rata i overensstemmelse med andelen af nettoværdien for den pågældende PRIIP's aktiver, som den pågældende UCITS eller AIF repræsenterer på den relevante dato, som er den dato, på hvilken den pågældende PRIIP's tal konstateres
If one type of cost is covered by two or more types of costs as referred to in this Annex, that type of cost shall only be accounted for once in the calculation of the indicators (ratios) which are based on it.
alle pro rata-tallene lægges sammen med tallet for de samlede omkostninger i den investerende PRIIP, hvorved der fremkommer en enkelt sum.
Other specifications
Beregningsmetode for nye PRIIP'er
The ratios shall be expressed as a percentage to two decimal places.
I stedet for ex-post data skal der anvendes skøn ved beregning af de forskellige omkostningstyper.
The ratios shall be calculated at least once a year.
Sådanne skøn skal foretages ved hjælp af enten en sammenlignelig PRIIP eller en lignende gruppe som reference.
The ratios shall be based on the most recent cost calculations which the PRIIP manufacturer has determined.
I forbindelse med PRIIP'er, der opkræver et fast alt-inklusive gebyr, anvendes dette gebyr, under forudsætning af at det inkluderer alle omkostninger, der skal oplyses i henhold til kravene vedrørende oplysning af omkostninger for den pågældende PRIIP.
Without prejudice to point 77 of this Annex, the costs are assessed on an ‘all taxes included’ basis.
I forbindelse med PRIIP'er, der fastlægger et loft eller maksimum for det beløb, der kan opkræves, og under forudsætning af at det inkluderer alle omkostninger, der skal oplyses i henhold til kravene vedrørende oplysning af omkostninger for den pågældende PRIIP, anvendes dette loft eller maksimum i stedet, såfremt PRIIP-producenten forpligter sig til at overholde det oplyste tal og til at afholde eventuelle omkostninger, som ellers ville overstige dette tal.
As for investment funds the following shall apply:
Hvis et tal med to decimaler efter PRIIP-producentens mening ikke præsenterer den korrekte grad af nøjagtighed over for investorerne, er det tilstrækkeligt at angive dette tal med en decimal.
a separate calculation shall be performed for each share class, but if the units of two or more classes rank pari passu, a single calculation may be performed for them;
PRIIP-producenten skal sikre, at der holdes øje med nøjagtigheden af det skønnede tal.
in the case of a fund which is an umbrella, each constituent compartment or sub-fund shall be treated separately for the purpose of this Annex, but any charges attributable to the fund as a whole shall be apportioned among all of the sub-funds on a basis that is fair to all investors.
PRIIP-producenten skal fastlægge, hvornår det er rimeligt at anvende ex-post tal i stedet for skøn; men under alle omstændigheder skal der senest 12 måneder efter den dato, på hvilken den pågældende PRIIP blev udbudt til salg første gang i et medlemsland, foretages en vurdering af dette skøns nøjagtighed ved at beregne et tal på ex-post basis.
Apart from the first calculation for a new PRIIP, and if not stated otherwise, the ratios shall be calculated at least once a year, on an ex-post basis.
OMKOSTNINGERNES TILSKRIVNINGSEFFEKT
Where it is considered unsuitable to use the ex-post figure because of a material change, an estimate may be used instead until reliable ex-post figures reflecting the impact of the material change become available.
Generelle krav vedrørende alle PRIIP-typer
The ex-post figures shall be based on recent cost calculations which the PRIIP manufacturer has determined on reasonable grounds to be appropriate for that purpose.
De(n) angivne tabel(ler) i artikel 5 giver en indikation af de samlede omkostninger udtrykt i beløb og som en procentsats for så vidt at en detailinvestor investerer hhv. 10000 EUR (for alle PRIIP'er med undtagelse af forsikringsbaserede investeringsprodukter med normal præmie) eller 1000 EUR om året (for forsikringsbaserede investeringsprodukter med normal præmie) i løbet af forskellige investeringsperioder, inklusive den anbefalede investeringsperiode.
The figures may be based on the costs set out in the PRIIP's statement of operations published in its latest annual or half-yearly report, if that statement is sufficiently recent.
De investeringsperioder, der skal vises, er de perioder, til hvilke der henvises i punkt 14 til 16 i bilag IV.
It it is not sufficiently recent, a comparable calculation based on the costs charged during a more recent 12-month period shall be used instead.
Hvis et produkt ikke anses for at have en alternativ likviditetsfacilitet, der er støttet af PRIIP-producenten eller en tredjepart, eller hvor der ikke foreligger likviditetsordninger, eller det drejer sig om de angivne PRIIP'er i punkt 17 i bilag IV, kan denne omkostningsindikation alene være vist ved udløbsdatoen eller ved afslutningen af den anbefalede investeringsperiode.
Information about the ratios that were applicable during previous years/periods shall be published at the location which is specified in the key information document as the general source of further information for investors who require it.
Hvis den pågældende PRIIP's valuta ikke er euro, skal der anvendes et beløb af lignende størrelse som de beløb, der er fastlagt i punkt 90 i dette bilag og som kan divideres rent med 1000.
Where the costs attributable to an underlying UCITS or AIF are to be taken into account the following shall apply:
De samlede omkostninger skal omfatte engangsomkostninger, periodiske og yderligere omkostninger samt exitgebyrer, hvis relevant.
the cost indicator of each underlying UCITS or AIF shall be pro-rated according to the proportion of the PRIIP's net asset value which that UCITS or AIF represents at the relevant date being the date at which the PRIIP's figures are taken;
Exitgebyrer skal adskilles fra andre opsigelsesomkostninger, som altid skal betales, og skal derfor altid være inkluderet i engangsomkostningerne.
all the pro-rated figures shall be added to the total cost figure of the investing PRIIP itself, thus presenting a single total.
Exitgebyrernes relevans afhænger af investeringsperioden og det præcise øjeblik, på hvilket produktet indløses.
Calculation methodology for new PRIIPs
Exitgebyrer er ikke relevante, hvis investeringen holdes i den anbefalede investeringsperiode.
In place of ex-post data, estimates shall be used in the calculation of the different types of costs.
Kommissionens direktiv 2007/16/EF af 19. marts 2007 om gennemførelse af Rådets direktiv 85/611/EØF om samordning af love og administrative bestemmelser om visse institutter for kollektiv investering i værdipapirer (investeringsinstitutter) med hensyn til afklaring af bestemte definitioner (EUT L 79 af 20.3.2007, s. 11).
Such estimates shall be carried out by adopting as proxies either a comparable PRIIP or a peer group.
BILAG VII
For PRIIPs which charge a fixed all-inclusive fee, that fee shall be used provided it includes all costs to be presented under the PRIIPs cost disclosure requirements.
PRÆSENTATION AF OMKOSTNINGER
For PRIIPs which set a cap or maximum on the amount that can be charged, and provided it includes all costs to be presented under the PRIIPs cost disclosure requirements, that cap or maximum shall be used instead so long as the PRIIP manufacturer gives a commitment to respect the published figure and to absorb any costs that would otherwise cause it to be exceeded.
Afkastforringelsen (RIY) viser, hvad effekten af de samlede omkostninger, som du betaler, har for det afkast på investeringen, som du eventuelt får.
If, in the PRIIP manufacturer's opinion, expressing a figure to two decimal places would be likely to suggest a spurious degree of accuracy to investors, it shall be sufficient to express that figure to one decimal place.
De samlede omkostninger omfatter engangsomkostninger, løbende omkostninger og yderligere omkostninger.
The PRIIP manufacturer shall ensure that the accuracy of the estimated figure is kept under review.
De her viste beløb er selve produktets kumulative omkostninger i tre forskellige investeringsperioder.
The PRIIP manufacturer shall determine when it is appropriate to begin using ex-post figures rather than an estimate; but in any case it shall, no later than 12 months after the date on which the PRIIP was first offered for sale in any Member State, review the accuracy of the estimate by calculating a figure on an ex-post basis.
De omfatter eventuelle strafgebyrer for exit før tiden.
COMPOUND EFFECT OF THE COSTS
Det forudsættes, at du investerer [10000 EUR (ELLER 1000 EUR hvert år i PRIIP'er med normal præmie)].
Common requirements to all types of PRIIPs
Tallene er et skøn og kan ændre sig i fremtiden.
The table(s) referred to in Article 5 shall contain an indication of the total costs in monetary and percentage terms for the case that the retail investor invests, respectively 10000 EUR (for all PRIIPs except regular premium insurance-based investment products), or 1000 EUR yearly (for regular premium insurance-based investment products) during different holding periods, including the recommended holding period.
Tabel 1
The holding periods to be shown are those referred to in points 14 to 16 of Annex IV.
Omkostninger over tid
Where a product is considered not to have an alternative liquidity facility promoted by the PRIIP manufacturer or a third party, or where there is an absence of liquidity arrangements, or for those PRIIPs as referred to in point 17 of Annex IV, that indication of costs may be shown only at maturity or at the end of the recommended holding period.
Den person, der sælger dig dette produkt eller rådgiver dig om det, kan opkræve yderligere omkostninger.
Where the currency of the PRIIP is not in Euros, an amount of a similar magnitude to those set out in point 90 of this Annex and which is cleanly divisible by 1000 shall be used.
Hvis det er tilfældet, oplyser denne person dig om disse omkostninger og viser dig, hvordan din investering påvirkes af alle omkostningerne over tid.
The total costs shall include one-off, recurring and incidental costs, and, where relevant, exit penalties.
Tabel 2
Exit penalties are to be distinguished from other exit costs which have to be paid in any case and therefore always need to be included in the one-off costs.
Omkostningernes sammensætning
The relevance of exit penalties depends on the holding period of the investment and the exact moment when the product is cashed in.
Nedenstående tabel viser:
Exit penalties are not relevant if the investment is kept for the recommended holding period.
hvordan det investeringsafkast, som du eventuelt får ved afslutningen af den anbefalede investeringsperiode, hvert år påvirkes af de forskellige omkostningstyper
Commission Directive 2007/16/EC of 19 March 2007 implementing Council Directive 85/611/EEC on the coordination of laws, regulations and administrative provisions relating to undertakings for collective investment in transferable securities (UCITS) as regards the clarification of certain definitions (OJ L 79, 20.3.2007, p. 11).
betydningen af de forskellige omkostningskategorier.
ANNEX VII
I forbindelse med PRIIP'er, der tilbyder en bred vifte af investeringsmuligheder, skal PRIIP-producenten anvende tabel 1 og tabel 2 i dette bilag til præsentation af omkostningerne, med angivelse af omkostningernes omfang for hvert af tallene i hver tabel, hvis relevant.
PRESENTATION OF COSTS
PRIIP-producenter skal inkludere fire passende resultatscenarier som fastsat i bilag V i afsnittet med titlen »Hvilke risici er der, og hvilke afkast kan jeg få?« i dokumentet med central information.
The Reduction in Yield (RIY) shows what impact the total costs you pay will have on the investment return you might get.
Disse fire resultatscenarier skal repræsentere et stressscenarie, et ufordelagtigt scenarie, et moderat scenarie og et fordelagtigt scenarie.
The total costs take into account one-off, ongoing and incidental costs.
VaRAFKASTFORHOLD
The amounts shown here are the cumulative costs of the product itself, for three different holding periods.
2*VaRAFKASTFORHOLD
They include potential early exit penalties.
2*lnVaRKURSFORHOLD
The figures assume you invest [EUR 10000 (OR EUR 1000 each year for regular premium PRIIPs)].
Scenarieværdierne for de forskellige resultatscenarier beregnes på lignende måde som markedsrisikomålingen.
The figures are estimates and may change in the future.
Scenarieværdierne beregnes for den anbefalede investeringsperiode.
Table 1
Scenariestress
Cost over time
Omskaler historiske afkast baseret på nedenstående formel.
The person selling you or advising you about this product may charge you other costs.
Formand
If so, this person will provide you with information about these costs, and show you the impact that all costs will have on your investment over time.
[[Hvis relevant:] Rubrik D] Under nogle omstændigheder kan du blive afkrævet yderligere betalinger til dækning af tab. (fremhævet) Det samlede tab, som du kan lide, kan være væsentligt større end det investerede beløb.
Table 2
UdløbM1*N
Composition of costs
Udled stressvolatilitet baseret på den metode, der er defineret i punkt 10 i dette bilag.
The table below shows:
rjust
the impact each year of the different types of costs on the investment return you might get at the end of the recommended holding period;
Foretag bootstrapping på som beskrevet i punkt 22 i bilag II.
the meaning of the different cost categories.
Rådets forordning (EU) 2017/658
Council Regulation (EU) 2017/658