your fund


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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 and 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

A portfolio management service to gain access to active and flexible management using funds under excellent conditions.

Buscador de fondos

Encuentra el fondo que se adapta a tus necesidades sin importar qué tipo de inversor seas.

Discover the keys for choosing your investment fund

Depending on the risks you want to take

Discover the MiFondo 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.

Don't mind about 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: Generación Range

Within the mixed funds you can choose this range to receive quarterly payments through the reimbursement of shares.

What is an investment fund?

An investment fund is an investment and savings 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


Funds are a safe and reliable investment option. The management company carries out management and risk control on a daily basis, issuing a periodic management report. Auditors also monitor the situation of the funds that our clients own.


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.

The contracting of investment funds involves certain costs that can be found in the Fundamental Data for Investors (Datos Fundamentales para el Inversor - DFI) document of each fund (available on the website and in the office).


The funds allow you to access a diversified portfolio, avoiding a concentration in geographic areas, sectors or currencies.


From the beginning you will have all the necessary information collected in the Fundamental Data for the Investor document, in which you will find all the data needed for a clear and easy understanding of where you will invest your capital.


The total 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.


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.You will only pay taxes when you redeem your shares, allowing you to plan the taxation and the ideal moment to materialise all or part of the capital gains. In addition, if you postpone the payment of taxes, you will have the possibility of achieving a greater profitability of your investments due to the multiplier effect of the capitalisation of your savings.

Risks of Investment funds


This refers to the risk that the issuer of a fixed income security (bonds, promissory notes, etc.) may not be able to pay the principal or interest of the instrument issued.


This refers to the risk of the securities being quoted below the price paid for them. In this sense, investments can be affected by:

  • Interest rate risk: both price variations and the duration of the portfolio affect fixed income assets.
  • Exchange rate risk: Exchange rate fluctuation for assets denominated in currencies other than that of the reference interest rate.
  • Market risk from investment in variable income assets: derived from variations in the share price.
  • Risk of 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.


Investing in derivative instruments (futures, options, etc.) may incorporate a higher risk given the nature of these products.


This is the risk of there being no counterpart in the market and, therefore, a product cannot be sold.

For more detailed information on the risks and costs of investment funds, refer to the fund Prospectus.

1. Applicable for individuals residing in Spain.


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