(RED)efine the way you invest: Santander Prosperity

Discover investment opportunities in the challenges society is facing today in order to build the future.

Investment funds involve certain risks (market, credit, liquidity, currency, interest rate, sustainability, etc.), and some or all of the investment may be lost. The risks are set out in the fund's prospectus and Key Investor Information Document (KIID).

SANTANDER PROSPERITY (ISIN: LU2492356105, LU2492356287, LU2492356360, LU2506375273, LU2492356790, LU2555189849), investment fund authorized for marketing in Spain.

Before making an investment decision, you should consult the fund's Prospectus and Key Investor Information Document (KIID) (or documents replacing them in the fund's home State), available both from the relevant supervisory body and from the fund's management body (www.santanderassetmanagement.lu). The decision to invest in the fund should be made taking into account all the characteristics or objectives of the fund described in its Prospectus and in its KIID. Promoted investment refers to the acquisition of shares in an investment fund, and not in a particular underlying asset. Past performance is not a reliable indicator of future performance and if the fund is denominated in a currency other than euro, its performance may increase or decrease depending on currency fluctuations.
The taxation of investment income will depend on the tax legislation applicable to your personal situation and may change in the future.

Management Entity: SANTANDER ASSET MANAGEMENT LUXEMBOURG S.A. Marketing Entity: BANCO SANTANDER, S.A.

This is an advertising communication and its purpose is commercial. It is not contractual information, nor information required by any legislative provision, nor should it be considered as an investment recommendation or advice of any kind, and is not sufficient to make an investment decision.

© BANCO SANTANDER, S.A. All rights reserved – Registered Office: Paseo de Pereda, 9-12. SANTANDER. NIF A-39000013.

1. Founded by Bono and Bobby Shriver in 2006 to fight AIDS, (RED) partners with the world's most iconic brands and people to create products and experiences that raise money to help mitigate global health crises. To date, (RED) has generated more than $700 million for The Global Fund, helping more than 245 million people. Funds raised by (RED) support life-saving programs that empower health workers, and provide testing, treatment, and care.

2. The fund has a sustainable investment objective that contributes to a social objective in accordance with Article 9 of Regulation (EU) 2019/2088 on sustainability-related disclosures in the financial services sector ("SFDR").

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The investment you want for you. The future you want for everyone

Modern society is facing challenges such as an aging population, the spread of urban areas and the availability of food and drinking water for a growing global population.

In addition to posing situations to overcome, these challenges translate into investment opportunities through companies that are working to find solutions for building the society of the future.

Santander Prosperity is a global multisectoral equity fund that aims to make the most of these opportunties with a focus on areas of long-term growth and profitability, while also intending to help improve our well-being as a society.

With a focus on innovative profitable companies that propose solutions to current and future challenges, attract capital and generate value.
With a clear social goal. The criteria for choosing a company in which to invest the fund include at least 30% of that company's revenue being related to the UN Sustainable Development Goals (SDGs). Other companies that, in the Investment Manager's opinion, make a significant, distinguishing contribution to solving the main societal challenges may also be included.
Reflecting our commitment to help people prosper. We will contribute part of the fund's management committee to organizations that work directly in the field of health.
You can consult the Brochure, the KIID and the complete product sheet here.

We will contribute an amount equal to 15% of the fund management fee to The Global Fund and it will be used to provide medical services to save lives in the most vulnerable communities in Latin America.

What does Santander Prosperity invest in?


Health and well-being Population aging, technological advancements and the need to provide quality medicines at fair prices are some of the reasons behind the revolution of the healthcare sector and the increase in companies dedicated to guaranteeing the health and well-being of society.		Food and nutrition Population growth and the effects of climate change are affecting both the demand for food and our capacity for production. The food industry as a whole needs to be transformed to sustainably meet growing production needs.		Education and Financial Inclusion An expanding middle class and the acceleration of technological advancements during the pandemic have acted as catalysts in a sector that is not only growing but evolving. This is also one of the areas most directly related to the SDGs, with a greater social focus.

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Classes of shares in the fund

Class	ISIN	Currency	Minimum amount	Management fee*
A	LU2492356105	USD	$ 100	1.25%
AE	LU2492356287	EUR	€ 100	1.25%
AEH	LU2492356360	EUR	€ 100	1.25%
I	LU2506375273	USD	$ 1,000,000	0.50%
RKP	LU2492356790	GBP	£ 500	0.50%
IE	LU2555189849	EUR	€ 1,000,000	0.50%

*Annual management fee on the fund's assets. See information on the costs and expenses associated with investing in the fund.

Risks of investing with Santander Prosperity funds

Investing in investment funds involves assuming a certain level of risk that will depend on the composition of each fund, market fluctuations and other factors associated with investing in securities, so there is a risk of losing all or part of your investment.

In general, investing in funds means undertaking the following risks:

CREDIT RISK
Due to the quality of the assets invested in, and of the issuers of the same, it is the risk that the issuer may not be able to meet payments.

MARKET RISK
This is the possibility that financial instruments will have a listed price or a value below the price we have paid for them:

Interest Rate Risk: interest rate fluctuations affect the price of fixed-income assets. Sensitivity to this risk depends on the duration of these assets.

Currency risk: fluctuation of the exchange value in the case of assets denominated in currencies other than the share reference currency.

Market risk due to investment in equities: arising from variations in the price of equity assets.

Risk from investing in emerging markets: political changes or economic circumstances can affect the value of investments.

Geographical or sectoral concentration risk: the concentration of our investment in a single area or sector increases market risk.

RISK FROM INVESTING IN DERIVATIVES
Investing in derivatives (futures, options, etc.) may entail a higher risk, given the nature of these products.

LIQUIDITY RISK
The risk of not finding a counterparty in the market and, therefore, being unable to sell a product.

SUSTAINABILITY RISK
These risks are related to environmental, social or governmental events or conditions. Factors contributing to the sustainability risk of an investment will include the type of issuer, sector of activity, geographical location and more.

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