Funds that offer you a periodic income1

SANTANDER DEFENSIVO GENERA, FI

If you have a conservative risk profile and would like to receive a periodic income, through the repayment of shares1, this fund may be of interest.

  • Global fund with an annual volatility target of around 2% (maximum: 5%), which pays a mandatory 0.25% quarterly2 via redemption of units.
  • It invests in a selection of both traditional assets (fixed income, equities and other investment funds) and alternative assets (dividend futures, merger and acquisition arbitrage, relative value strategies between investment styles, positioning in sover eign debt curve (Eurozone and US), among others), all capable of generating recurring income over a long-term horizon.
  • Indicative investment term of four years.
  • Fund listed in the CNMV register at entry number 4935.
  • See the prospectus, the KIID and the full fact sheet for the Santander Defensivo Genera, FI fund here.
  • This fund may invest a percentage of 100% in fixed income issues of low credit quality, i.e. carrying a very high credit risk.

Minor risk
Potentially lower return

Major risk
Potentially greater return

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2

3

4

5

6

7

Category "1" does not mean that the investment is risk-free.

Commercial terms and conditions of the fund

ISIN Minimum initial investment

Management
fee

Deposit
fee

Quarterly
distribution2

ES0174742009

1 unit

0.8%-0.9% annually on equity (*)

0.04% annually on equity

0,25%

(*) Annual management fee on fund equity, subject to a minimum of 0.8% and maximum of 0.9%, depending on the fund’s performance.

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SANTANDER EQUILIBRADO INCOME, FI

A fund to receive periodic income, through the repayment of shares1, if you are willing to assume a moderate risk.

  • Global fund with an annual volatility target of around 7% (maximum: 10%), with semi-annual payment of income in the form of dividends3.
  • It invests in a selection of both traditional assets (fixed income, equities and other investment funds) and alternative assets (dividend futures, merger and acquisition arbitrage, relative value strategies between investment styles, positioning in sover eign debt curve (Eurozone and US), among others), all capable of generating recurring income over a long-term horizon.
  • Indicative investment term of five years.
  • Fund listed in the CNMV register at entry number 5055.
  • See the prospectus, the KIID and the full fact sheet for the Santander Equilibrado Income, FI fund here.
  • This fund can invest a percentage of 100% in fixed income issues of low credit quality, so it has a very high credit risk.

Minor risk
Potentially lower return

Major risk
Potentially greater return

1

2

3

4

5

6

7

Category "1" does not mean that the investment is risk-free.

Commercial terms and conditions of the fund

ISIN Minimum initial investment

Management
fee

Deposit
fee

Quarterly distribution3

ES0170382008

1 unit

1.1%-1.3% annually on equity (**)

0.1% annually on equity

1,50%

(**) Annual management fee on fund equity, subject to a minimum of 1.1% and maximum of 1.3%, depending on the fund’s performance.

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What risk is involved in investing in these investment 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
    Risk that the issuer may not be able to pay the principal and interest due. Credit rating agencies assign probable solvency ratings. High rated issues feature reduced credit risk, while no credit rating or a low credit rating means that you will be assuming high credit risk. These funds have a maximum exposure to low credit quality fixed income issues of 10% (Defensivo Genera), 25% (Equilibrado Income).

  • MARKET RISK
    General risk of investing in any kind of asset. Asset prices depend on how financial markets perform, on the world’s economy and on the political and economic circumstances in the countries concerned.

Risk of investing in equities: volatility. Prices of equity assets can experience significant fluctuations.

Interest rate risk: interest rate fluctuations affect the price of fixed income assets. Rising interest rates can cause fixed income prices to fall, while falling interest rates can cause prices to rise. Fixed-income assets are more sensitive to interest rate fluctuations the longer their maturity term.

Foreign exchange risk: when investing in assets denominated in currencies other than the investment’s reference currency, you assume the risk of exchange rate fluctuations. These funds have a maximum foreign currency risk of 30%.

Risk of investing in emerging markets: these investments may be more volatile than those made in developed markets if the government’s situation is precarious, or there is risk of nationalisation or expropriation, or of social, political and economic instability. Additionally, trading in these assets is considerably lower, resulting in lack of liquidity and high price volatility. These funds have a maximum exposure to emerging countries of 10% (Defensivo Genera) and 25% (Equilibrado Income).

Risk of geographic or sectoral concentration: concentrating investments in a single country means that the country’s economic, political and social climate will have a significant impact on the return on the investment. Likewise, the return earned by a fund that focuses its investments on a specific economic sector will be closely tied to the performance of the companies operating within that sector, as they all face the same obstacles and problems and are subject to the same regulations. This concentration may mean that these securities will respond similarly or in a more harmonised fashion to these or other market conditions. However, this impact could be mitigated by investing in a more diversified portfolio since not all assets would perform in the same way at the same time. Note also that liquidity risk can affect the fund’s trading conditions.

  • LIQUIDITY RISK
    Investing in low cap securities and/or small sized markets with limited trading volume may reduce the liquidity of the investments and, as a consequence, affect the fund’s trading conditions.

  • SUSTAINABILITY RISK
    These risks correspond to environmental, social or governance events or conditions. The sustainability risk of investments will depend, among others, on the type of issuer, the sector of activity or its geographical location.

  • RISK OF INVESTING IN DERIVATIVE FINANCIAL INSTRUMENTS
    Derivative financial instruments can be used to hedge against investment risks, but they also carry the risk: imperfect- correlation between the value of the derivative instrument and the hedged item may result in the expected outcome not being achieved. - leverage, or price variations affecting the underlying asset may multiply the portfolio’s loss of value. - derivatives not traded in organised markets may carry the risk of non compliance by the counterparty, since there is no clearing house to ensure that the trades are cleared and settled.

Shall we discuss it?

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

Income Generation Range

Icon / check Created with Sketch. For anyone seeking to supplement their income.

Icon / check Created with Sketch. Flexible and professional management according to risk profile.

Icon / check Created with Sketch. Invest in traditional and alternative assets.

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