INVESTMENT FUNDS

Mixed Funds

Invest diversely, according to your expectations on return, time horizon and the risk you are willing to assume with mixed fund ranges.

DEPENDING ON YOUR RISK PROFILE

Global Management Range

Choose an investment fund that helps you diversify your portfolio efficiently and adapts to your investor profile.

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PERIODIC INCOME OPTION

Generation Range

You will receive periodic returns through quarterly payments via share reimbursement.

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A combination of fixed income and equities depending on your risk profile

Mixed funds are ones that invest in both fixed-income assets and equities. Therefore, they can be a valid solution for all kinds of investors covering all risk profiles, both the most conservative and the riskiest.

The percentage of investment in fixed-income and equities will vary depending on the investment policy for each fund. You can choose the combination that best adapts to your risk profile.

Banco Santander's mixed investment funds include different ranges such as the Generation Range, with which you can choose to receive periodic income, and the Global Management Range, an option for efficiently diversifying your investment.

Why invest in Mixed Funds?

Diversification: mixed funds are a way of trying to mitigate risk, as, besides investing in different types of assets, they are usually also in different geographical areas, sectors, etc.
Adaptability: given the wide range of mixed funds, you are likely to find one that adapts to your investor profile, either by risk level, term during which you want to invest for, capital you are considering investing or other.
Management by Santander Asset Management: a global asset manager with more than 200 specialists, a presence in over 11 countries and a high capacity for analysis and strict control of risk.

In addition, our investment funds have:

LIQUIDITY:

The total liquidity of our funds means you can withdraw the amount you need almost immediately.

TAXATION:

Funds are tax-exempt until they are redeemed for individuals who are resident in Spain. This means you can plan your taxation to adapt to your needs.

DIVERSIFICATION:

Spread risk among different financial assets as a measure to try to reduce the risk of a market decline.

What risk is involved in investing in mixed funds?

Investing in mixed investment funds implies 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.

In general, investing in funds involves assuming the following risks:

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 possibility that financial instruments are listed or have a value 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.

How are they arranged?

You can arrange different mixed funds online. If you are already a Banco Santander customer, you can arrange an investment in mixed funds via SO:FIA.

If you prefer, you can contact us at your nearest Santander branch.

1. WARNING: neither the returns nor the initial investment in these funds are guaranteed, so the investor may lose money. The periodic payments for Class R funds in this range are reimbursements of investment, i.e. they do not match the profit obtained by the fund. The fund may be losing money, even if you are receiving periodic payments.
The performance of investment funds depends on fluctuations in market prices and other variables. Therefore, the value of investments may rise or fall, making it impossible to guarantee the return of the capital invested. Past performance is not a reliable indicator of future performance.
Investment funds involve certain risks (market, credit, liquidity, exchange rate, interest rate, etc.), all of which are outlined in the prospectus and the key investor information document (KIID). The nature and scope of the risks will depend on the type of fund, on its individual characteristics, on the currency and on the assets in which its equity is invested.
As a result, the choice between the various types of funds must be made taking into account the investor's desire and capacity for assuming risk, along with their return expectations and investment time horizon. Before subscribing to units of a fund, the investor must consult the information contained in the fund's prospectus and KIID. Both documents are available to investors in our branches and at the National Securities Market Commission (CNMV).
The taxation of returns obtained by participants will depend on the tax legislation applicable to their personal situation and may vary in the future.
Management Company: SANTANDER ASSET MANAGEMENT, S.A., S.G.I.I.C., registered in the CNMV under number 12. Depositary Institution: CACEIS BANK SPAIN, S.A., registered in the CNMV under number 238. Marketing Company: BANCO SANTANDER, S.A., registered in the CNMV under number 49.
This information is for advertising purposes and is disseminated exclusively for informational purposes. Its content does not constitute the basis of any contract or commitment, nor should it be considered as an investment recommendation or advice of any kind.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

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