Investment Funds for Companies

Investment diversification

Spreading the investment in different types of assets and its management by a professional mitigates 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.

Transparency

The investment policy, risks and fundamental characteristics of the funds are reflected in their prospectuses and key information documents (FDD), available both from the corresponding supervisory body (in Spain, the National Securities Market Commission - CNMV -), and on the website of the managing entity of the same.

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:

What do we offer you at Banco Santander?

By investing your company's capital through Santander Asset Management you will be trusting the second largest asset manager in Spain, with 88,000 million assets under management, 52 years of experience, presence in 10 countries and a team of more than 850 global professionals. With a wide range of products, Santander Asset Management manages more than 40,000 million in ESG vehicles¹.

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

How to contract

Learn about the benefits of the investment funds that the Bank markets, 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?

Investment funds involve certain risks (market, credit, liquidity, currency, interest rate, sustainability, etc.), so there is a risk of losing all or part of the investment. The risks are detailed in the fund's Prospectus and Key Investor Information Document (KIID).

Credit risk

Due to the quality of the assets invested in, as well as the issuers of these assets. This is the risk assumed regarding the possibility that the issuer may be unable to pay the capital or interest on the issued instrument.

Market risk

The possibility that financial instruments are listed or have a value below the price we have paid for them. In this regard, the investments may be affected by:

• 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: political changes or economic circumstances may affect the value of the investments.
• Geographical or sectoral concentration risk: the concentration of the investment in the same area or sector increases market risk.
  

Investment in financial derivative instruments

Investing in derivatives (futures, options, etc.) may incorporate higher risk given the nature of these products.

Liquidity

The risk that no counterparty is found in the market and, therefore, a product cannot be sold.

Sustainability

These risks correspond to environmental, social or governmental events or conditions. The sustainability risk of the investments will depend, among others, on the type of issuer, the sector of activity and its geographical location.