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Discover why they are featured and choose the one that suits you best

Santander Future Wealth, F.I.

You can invest in the three big subjects for the future at the same time: demographics, technology and environment. It's the equity fund that is most popular with our customers.

Santander Sustainable 1, F.I.

The fund with management that values financial, environmental and social sustainability and corporate governance that is most popular with our customers.

Santander Balanced Global Management, F.I.

It's the mixed fund that is most popular with our customers from the Global Management Range.

Santander Fixed-Income Saving, F.I.

It's the fixed-income fund preferred by our customers.

Choose your investment fund

Variable Income Funds

Funds that invest mainly in shares of companies in various sectors and geographic areas.

Sustainable and Solidarity Funds

It includes the first range of funds in Spain managed under the concept of sustainability.

Mixed Funds

Invest in fixed and variable income assets to maximise the diversification of your investment.

Fixed Income Funds

Learn about these funds that invest primarily in highly liquid, low-risk assets.

Third-party investment funds

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

Investment Fund Search Engine

Find the fund that suits your needs no matter what type of investor you are.

Invest in a discretionary management portfolio

My Santander Portfolio

Let us manage your investments through a wide universe of Santander funds. From your risk profile, our management team will select monthly the funds most appropriate to the market situation.

Discover the keys for choosing your investment fund

Depending on the risks you want to take

Discover the Global Management Range, comprising three funds for you to choose the one that best suits your profile and the risk you are willing to take.

If you want sustainable investments

Invest in companies committed to innovation, energy efficiency and social well-being.

Delegate your investments

Let the Bank manage your investments through an extensive universe of funds. You will take a Suitability Test to establish your risk profile.

To obtain returns: Generation Range

Within the mixed funds you can choose this range with which you can receive quarterly payments via reimbursement of shares.

ABOUT FEATURED FUNDS

Featured funds have been selected based on arrangement data from 01/01/21 to 30/06/21. Source: in-house.

What is an investment fund?

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.

Characteristics of investment funds

CONTROL

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.

PROFESSIONAL MANAGEMENT

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.

DIVERSIFICATION

Investment funds allow access to a diversified portfolio, being able to mitigate the risk of concentration in geographies, sectors or currencies.

TRANSPARENCY

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.

LIQUIDITY

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 have retired.
  • If you suffer a total, absolute permanent disability and high disability.
  • If you pass away.
  • If you have severe dependency or high dependency.
  • If you or an immediate relative suffers a serious illness.
  • If you are long-term unemployed.
  • If you are affected by COVID-19.

TAXATION

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.

Risks of Investment funds

CREDIT RISK

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.

MARKET RISK

The securities may be listed below the price we have 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. The sensitivity to this risk depends on the duration of these assets.
  • Foreign exchange risk: fluctuation of the exchange value in the case of assets denominated in currencies other than the reference currency of the participation.
  • Market risk due to investing in equities: derived 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 the same area or sector increases market risk.

FROM INVESTING IN DERIVATIVE FINANCIAL INSTRUMENTS

Investing in derivatives (futures, options, etc.) may incorporate higher risk given 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. 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.

DIGILOSOFÍA

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.

Your bank is always with you

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.

SO:FIA, investment platform

Trade on the stock market and view your investments. Simulate and compare using analysis tools.

Online Banking, make the most of your bank wherever you are

Track your savings and investments from your mobile phone. Don't miss a single detail concerning your finances, no matter where you are.

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View, study and manage your investment funds, pension plans, securities accounts and stock market investments.

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