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DICTIONARY
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Funds
featured
Discover why they are featured and choose the one that suits you best
Choose your investment fund
Discover the keys for choosing your investment fund
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ABOUT FEATURED FUNDS
Featured funds have been selected based on arrangement data from 01/01/21 to 31/12/21. Source: in-house.
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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.
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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.
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