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Santander Corto Plazo, FI

Fund that invests in public and corporate debt, deposits, promissory notes and other fixed-income assets.

Santander Renta Fija Privada, FI

For conservative investors, if you are interested in investing in public and corporate debt issuances.

Santander Gestión Global Equilibrado, FI

For conservative investors seeking to diversify their investment while assuming a moderate to high level of risk.

Santander Acciones Españolas, FI

If you want to invest in the Spanish stock exchange over a time horizon of more than 4 years.

Santander Gestión Global Decidido, FI

For those seeking to diversify their investment while assuming a moderate to high level of risk.

Santander Future Wealth, FI

If you're looking to invest in the megatrends of the future: society, technology and the environment.

Fondos Objetivo

If you are looking to invest in fixed income through a fund with a specific objective of known returns, not guaranteed, in a specific period.

Santander RF Ahorro, FI

To invest in a wide range of short-term fixed income assets.

Santander Dividendo Europa, FI

If you want to invest in European companies with a policy of distributing stable dividends over time.

Santander Sostenible Acciones, FI

It invests in European companies that are committed to the environment and society.

Santander Renta Fija, FI

For those who want to invest in public or private debt mainly Spanish, whose objective is to generate returns in the medium term.

Santander Small Caps España, F.I.

Fund that invests in small and medium-sized Spanish listed companies, which have differential elements in their businesses and medium/low capitalization.

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FEATURED FUNDS

Our most popular funds

These investment funds are the most popular among our customers – find out more.

Fondos Objetivo

For you if you have a conservative profile and are looking to invest in fixed income through a fund with a specific known return target, not guaranteed, in a certain period of time.

Santander Gestión Global Equilibrado, F.I.

The most popular mixed fund from the Gestión Global range.

Santander Corto Plazo, F.I.

You can invest in public debt, investment grade credit, deposits, promissory notes and high yield with a duration of around 3 to 6 months.

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Featured funds have been selected based on arrangement details from 01/01/22 to 31/12/22. Source: own data.

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More investment funds

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renta-fija

Fixed-Income Funds

Find out more about these funds that invest mainly in assets with lots of liquidity and low risk.

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Equity Funds

Funds that mainly invest in shares of companies from a range of sectors and geographic areas.

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tematicos

Santander Future Wealth thematic fund

For customers with stock market experience looking to invest in the companies that will shape the future.

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generacion

Generation Range

With three European mixed funds that will allow you to receive quarterly payments via share reimbursement.

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Third-party asset management company funds

Diversify your investment portfolio with funds from other fund managers, selected by our experts.

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Investment fund FAQs

What is an investment fund?

An investment fund is an investment vehicle made up of assets from many individual investors, where investment decisions are taken by a management company which represents and manages the investment fund, since it does not have legal personality.

What are the features of investment funds?


CONTROL
The management company monitors the management and risks on a daily basis and issues a regular management report. Meanwhile, depositaries and auditors monitor the management work of the fund management company.

PROFESSIONAL MANAGEMENT

A large team of professionals takes the appropriate decisions in line with the investment policy, with each fund following the established risk criteria. Our highly-qualified manager is Santander Asset Management.

DIVERSIFICATION

Mutual funds provide access to a diversified portfolio and can mitigate the concentration risk in geographies, sectors or currencies.


TRANSPARENCY
From the outset, you will have all the necessary information contained in the fund's legal documentation: the Key Investor Information Document (KIID), information on costs, expenses and incentives and other legal information about the fund.

LIQUIDITY

The liquid nature of our funds means you can withdraw any amounts you need almost immediately. In our blog, we explain the difference between an investment fund and a pension plan.

TAXATION

If you are an individual and a tax resident in Spain, you can transfer your investment from one fund to another without paying income tax1 when you perform the transfer.

You will only be taxed when you redeem your shares, allowing you to plan for taxation and the best time to realise all or part of the capital gains.

In addition, if you postpone taxation by making transfers, you will have the option of getting a higher return on your investments thanks to the multiplier effect brought about by the capitalisation of potential returns on your investments.


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Risks of Investment 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.

CREDIT RISK

Due to the quality of the assets invested in, as well as the issuers of these assets. This is the risk that the issuer may not be able to make payments.

MARKET RISK

This is the possibility that financial instruments will be listed or fall below the price we paid for them. In this regard, the investments may be affected by:

  • 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.

ON INVESTING IN FINANCIAL DERIVATIVES

Investing in derivatives (futures, options etc.) may entail a higher risk in view of the nature of these products.

LIQUIDITY RISK

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

SUSTAINABILITY RISK

These risks correspond 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.

1. The taxes levied on your investments will be dependent upon your personal circumstances as an investor, and may change in the future. For Collective Investment Undertakings (CIUs), individuals liable for personal income tax can benefit from the tax deferral regime on transfers between CIUs, which are made in accordance with current legislation.

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Investment funds involve specific risks (such as market, credit, liquidity, currency, interest rate and sustainability risks), and therefore some or all of your 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, which are available from the supervisory body concerned and can also be found on the fund manager's website (www.santanderassetmanagement.es). Your decision to invest in the fund must be made considering all the characteristics or objectives of the fund described in the fund's prospectus and KIID. The investment hereby promoted relates to acquiring units in an investment fund, and not in a specific underlying asset. Past performance is not a reliable indicator of future results, and if the fund is denominated in non-euro currencies its performance may rise or fall in response to currency fluctuations.

Returns on your investments will be taxed under the tax legislation applicable to your personal situation, which may change in the future.

Management Company: SANTANDER ASSET MANAGEMENT, S.A., S.G.I.I.C., filed with the CNMV under number 12. Depository Institution: CACEIS BANK SPAIN, S.A., filed with the CNMV under number 238. Marketing company: BANCO SANTANDER, S.A., filed with the CNMV under number 49.

This is an advertising communication for commercial purposes. It is not contractual information or information required under a legal provision. It should not be treated as an investment recommendation or advice of any kind, and it is not sufficient in itself as the basis for making an investment decision.

© BANCO SANTANDER, S.A. All rights reserved. Registered office: Paseo de Pereda, 9-12. SANTANDER. Tax ID A-39000013.

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