WHAT ARE THEY?

LIQUIDITY MANAGEMENT

INVESTMENT MANAGEMENT

Collective investment instruments

An investment fund is an investment instrument formed by the equity of many investors, in which investment decisions are made by a managing entity, which holds the representation and administration of the fund, as it lacks legal personality.

Why invest in investment funds for companies?

There are several advantages offered by funds as investment instruments:

Investment diversification

Spreading the investment in different types of assets and its management by a professional reduces the risk assumed when contracting financial products. It also makes it possible to differentiate the destination of the investment according to the risk and the term of the investment.

Liquidity

They allow the investment to be reimbursed at the corresponding net asset value according to market valuation. In general, the maximum period in which the investor should receive their money is 3 days from the request for their refund.

Taxation and flexibility of the investment

Unlike other products (deposits, treasury bills ...), the investment fund makes it possible to defer the tax impact to the time of repayment depending on the accounting process of each company.

Transparency and security

The investment policy, risks and fundamental characteristics of the funds are reflected in the prospectuses registered with the National Securities Market Commission (CNMV), an entity that protects the interests of the participants.

What do I need to know to invest in investment funds for companies?

If you are a company and want to invest in investment funds, you should know that:

  • To get some profitability taking risk is a factor in the equation. However, taking a greater risk is not a guarantee of higher profitability.
  • Diversification is a strategy to try to reduce the risk.
  • Assuming risk implies maintaining the investments during a determined time horizon to achieve different objectives.

What do we offer you at Banco Santander?

By investing your company's capital through Santander Asset Management you will be trusting the third1 largest asset manager in Spain, with 172 billion assets under management, 48 years of experience, presence in 11 countries and a team of more than 730 professionals who serve more than one million clients in Spain. With an offer of over 450 products, Santander Asset Management manages more than 2.2 billion assets in ISR funds.

Depending on the level of risk you wish to take, the recommended time horizon and the expected return, Santander Asset Management offers different investment funds for companies, bearing in mind:

Liquidity management through fixed income funds.

Investment management through mixed and variable income funds.


How to contract

Learn about the benefits of the investment funds that the Bank markets by calling 915 123 123 or come to you nearest Santander office where we will explain all the details.

If you are not yet a customer, become a customer online and access all Banco Santander products.


What are the risks involved in investing in an investment fund?

Credit risk

It is the risk of the assets in which the fund invests, as well as that of the issuers thereof.

Market risk

It is a risk of a general nature that exists when investing in any type of asset. In particular, investments involve:

  • Interest rate risk: Variations in interest rates affect the price of fixed income assets. The sensitivity to this risk depends on the duration of these assets.
  • Exchange rate risk: Exchange rate fluctuation for assets denominated in currencies other than the reference interest rate.
  • Market risk from investment in variable income assets: derived from variations in the share price.
  • Risk of investing in emerging markets.
  • Geographical or sectoral concentration risk.

Investment in financial derivative instruments

For the use of financial derivative instruments on the assets in which the fund invests.

Liquidity

Due to the liquidity conditions of the assets in which the fund invests.

The contracting of investment funds involves certain costs that can be found in the Fundamental Data for Investors (Datos Fundamentales para el Inversor - DFI) document of each fund (available on the website and in the office).

For more detailed information on the risks and costs of investment funds, refer to the Prospectus and DFI of the fund.

Fixed Income Funds

Santander Companies Fixed Income Savings, F.I.

  • Euro fixed income fund.
  • The fund will have 100% of the total exposure in public and/or private fixed income (including deposits, but not bonds).
  • Indicative term of the investment: 1 year.
  • Fund registered in the CNMV registry under number 5198.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

How to contract

Learn about the benefits of the investment funds that the Bank markets by calling 915 123 123 or come to you nearest Santander office where we will explain all the details.

If you are not yet a customer, become a customer online and access all Banco Santander products.

Mixed and Variable Funds

Santander Companies 0-30, F.I.

  • International Mixed Fixed Income Funds.
  • The fund will have exposure to variable income (maximum 30%) and the rest will be exposed to fixed income and liquidity.
  • Indicative term of the investment: 2 years.
  • Fund registered in the CNMV registry under number 5326.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

Santander Sustainable 1, F.I.

  • International Mixed Fixed Income Fund which, in addition to financial criteria, is managed with ESG criteria.
  • Maximum Exposure to Variable Income 25%.
  • Indicative term of the investment: 3 years.
  • Fund registered in the CNMV registry under number 5240.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

Santander Sustainable 2, F.I.

  • International Mixed Variable Income Fund which, in addition to financial criteria, is managed with ESG criteria.
  • Maximum Exposure to Variable Income 55%.
  • Indicative term of the investment: 4 years.
  • Fund registered in the CNMV registry under number 5241.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

Santander Spanish Actions, F.I.

  • Euro variable income fund.
  • It invests at least 75% of the total exposure in variable income assets from Spanish issuers, although investment, on a minority basis, in issuers from other countries is not entirely dismissed.
  • Indicative term of the investment: 4 years.
  • Fund registered in the CNMV registry under number 58.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

Santander Euro Shares, F.I.

  • Euro variable income fund.
  • The Fund will invest at least 75% of the total exposure in variable income assets of any sector of issuers and markets of euro zone countries, without ruling out issuers and markets of other OECD countries.
  • Indicative term of the investment: 3-4 years.
  • Fund registered in the CNMV registry under number 26.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

Santander Sustainable Actions, F.I.

  • International Variable Income Fund which, in addition to financial criteria, is managed with ESG criteria.
  • Maximum Exposure to Variable Income 100%.
  • Indicative term of the investment: 4 years.
  • Fund registered in the CNMV registry under number 5273.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

Santander Multi Asset Low Volatility

A multi-asset Luxembourg SICAV sub-fund that seeks to preserve capital in the medium term through a systematic management model with very low volatility, minimising maximum drops in times of market stress.

  • Euro mixed fixed income fund.
  • Invests in a wide range of fixed income instruments and equities from countries in Europe, North America, OECD members and emerging countries, although it will not invest more than 15% of its net assets in equities.
  • Indicative term of the investment: 1 year.
  • You can see the brochure, the DFI and the complete product file here.

How to contract

Learn about the benefits of the investment funds that the Bank markets by calling 915 123 123 or come to you nearest Santander office where we will explain all the details.

If you are not yet a customer, become a customer online and access all Banco Santander products.

Investment Funds for Companies

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