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SANTANDER BLOG
ABOUT FEATURED FUNDS
Featured funds have been selected based on arrangement data from 01/01/22 to 31/12/22. 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 collected in the legal documentation of the fund: the Key Investor Information Document (KIID), information on costs, expenses and incentives and the rest of the legal information of 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 of your investment you need 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 any given time through the portfolio management service must be taken into account.
Investment funds involve certain risks (market, credit, liquidity, currency, interest rate, sustainability risk etc.), and therefore 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).
Before taking the decision to invest, you must consult the fund's Prospectus and KIID, available from the supervisory body concerned, and also from the fund manager's website. The decision to invest in the fund must be taken in due consideration of all the characteristics or objectives of the fund described in the fund's Prospectus and KIID. The investment advertised refers to the acquisition of stakes in an investment fund, and not in a certain underlying asset. Past performance is not a reliable indicator of future results, and if the fund is denominated in currencies other than the euro, it may experience increases or falls in performance as a result of monetary fluctuations.
The taxation of returns obtained from investments will depend on the tax legislation applicable to the personal situations of investors, and may vary in the future.
This is an advertising communication, for commercial purposes. It is not information that is contractually binding, it is not information that is required by any legal stipulations, nor should it be considered an investment recommendation or any form of advice, and it is not sufficient to take a decision to invest.
© BANCO SANTANDER, S.A. All rights reserved – Registered Office: Paseo de Pereda, 9-12. SANTANDER. NIF A-39000013.
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