diversificacion-riesgos-financieros
SANTANDER BLOG
ABOUT FEATURED FUNDS
Featured funds have been selected based on arrangement data from 01/01/21 to 31/12/21. Source: in-house.
An investment fund is an investment instrument formed by the equity of many private investors, in which investment decisions are made by a managing entity, which holds the representation and administration of the investment fund, as it lacks legal personality.
The management company carries out management and risk control on a daily basis, issuing a periodic management report. For their part, the depository entities and the auditors control the management work of the fund management company.
A large team of professionals makes the appropriate decisions in line with the investment policy of each fund, following the established risk criteria. Our highly qualified managing entity is Santander Asset Management.
Investment funds allow access to a diversified portfolio, being able to mitigate the risk of concentration in geographies, sectors or currencies.
From the beginning, you will have all the necessary information included in the fund's documentation: the Fundamental Information document for the investor, the information on costs and expenses and the rest of the legal information on the fund. There you will find all the data to understand where you will invest your assets.
The liquidity of our funds allows you to have the amount you need available almost immediately. In our blog we explain the difference between an investment fund and a pension plan.
These are the special cases of liquidity:
If you are a natural person and resident for tax purposes in Spain, you can transfer your investment from one fund to another with no obligation to pay personal income tax (IRPF)1, at the time of handover. You will only pay taxes when you reimburse your shares, allowing you to plan taxation and the ideal time to materialize all or part of the capital gains. In addition, if you postpone taxation through transfers, you will have the possibility of achieving a higher profitability of your investments due to the multiplier effect of the capitalization of the possible returns of your investments.
Due to the quality of the assets in which it invests, as well as its issuers, this is the risk that the issuer will not be able to meet the payments.
The securities may be listed below the price we have paid for them. In this regard, the investments may be affected by:
Investing in derivatives (futures, options, etc.) may incorporate higher risk given the nature of these products.
The risk that no counterparty is found in the market and, therefore, a product cannot be sold.
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.
For more detailed information on the risks of investment funds, refer to the fund Prospectus and its Key Investor Information document.
1. Applicable for individuals residing in Spain.
The risks inherent to the investment funds in which it is invested at all times through the portfolio management service must be taken into account.
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 (DFI) document.
Before making an investment decision, you should consult the Prospectus and the DFI of the fund, available both in the corresponding supervisory body, and on the website of the fund's managing body. 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 DFI. Promoted investment refers to the acquisition of shares in an investment fund, and not in a certain underlying asset. The above results are not a reliable indicator of future results 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 income earned from investments will depend on the tax legislation applicable to your personal situation and may vary in the future.
Management Entity: SANTANDER ASSET MANAGEMENT, S.A., S.G.I.I.C., registered with the CNMV under number 12. Depositary Entity: CACEIS BANK SPAIN, S.A., registered with the CNMV under number 238. Marketing Entity: BANCO SANTANDER, S.A., registered with the CNMV under number 49.
This is an advertising communication and its purpose is commercial. It is not contractually binding 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.
If you also think that people come first and then everything else, and that being digital is not an end but rather a means, then we are connected. At any time. However you like. Wherever you want.
Contact your manager by phone, email or chat. Make face-to-face appointments or use the assistant to answer questions and learn how to make transactions through videos.
Trade on the stock market and view your investments. Simulate and compare using analysis tools.
Track your savings and investments from your mobile phone. Don't miss a single detail concerning your finances, no matter where you are.
View, study and manage your investment funds, pension plans, securities accounts and stock market investments.
diversificacion-riesgos-financieros
SANTANDER BLOG
buscar-rentabilidad-tipos-interes-bajos
SANTANDER BLOG
Find out more
SANTANDER BLOG