WHAT ARE THEY?

SHORT TERM FIXED INCOME

FLOATING FIXED INCOME

Funds for investing in Fixed Income assets

Fixed rent investment funds are those which invest the vast majority of their capital in assets such as bonds, promissory notes, deposits, credit or treasury bills.


Why invest in Fixed Income Funds with Santander?

  • Trust and security: we want to help you progress day by day with simple and personalised solutions, and a relationship based on trust. In addition, we have the necessary experience and knowledge to guarantee the maximum security of your investments.
  • Professional management: managed by Santander Asset Management. A global asset manager, with more than 200 specialists and with a presence in 11 countries. It manages assets worth 162 billion euros, focusing its activity on investment funds and tailor-made solutions for large companies.

You can also benefit from these characteristics of our investment funds:

LIQUIDITY:

The total liquidity of our funds allows you to have the amount you need available almost immediately.

TAXATION:

The funds are exempt from tax until reimbursed, for individuals residing in Spain. They therefore allow you to plan your taxes according to your needs.

DIVERSIFICATION:

The risk is spread among different financial assets to protect the investment. In addition, it enables access to very specific companies and markets.


Risks

Investing in funds implies assuming a certain level of risk that will depend on the composition of each fund, on market fluctuations and on other factors associated with investing in securities.

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

  • CREDIT RISK

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.

  • MARKET RISK

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. Concentration of our investment in the same area or sector increases market risk.
  • INVESTMENT IN FINANCIAL DERIVATIVE INSTRUMENTS

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

  • LIQUIDITY RISK

This is the risk of there being no counterpart in the market and, therefore, a product cannot be sold. This may adversely affect the liquidity of the fund and/or the price conditions at which the fund may be forced to change its positions in certain securities.


How can you contract this investment?

You can contract the Fixed Income Funds online. If you are already a client of Banco Santander, contract your shareholding through SO:FIA.

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

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).

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

Shall we discuss it?

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

Reduces risk for the investor

They seek to mitigate investor risk as they are funds that invest primarily in highly liquid assets.

For this reason, it is recommended for times of economic uncertainty, since its objective is to preserve the invested capital for a period of under one year.


SANTANDER RENTA FIJA AHORRO, FI

For you who have a conservative profile and are interested in diversifying your investment in public and private fixed income, with limited and reduced risk.

  • Euro Fixed Income Fund offers to generate returns in accordance with the money market rates through a careful selection of issues on the horizon.
  • Indicative term of the investment: 1 year.
  • Fund registered in the CNMV registry under number 689.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

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

Lower risk
Potentially lower return

Higher risk
Potentially higher return

1

2

3

4

5

6

7

Commercial conditions of the fund

Class ISIN code Minimum initial
investment
Management fee Deposit fee Fund valuation

Class A

ES0105931002

1 share

0.25%-0.65% annually
on equity*

0.05% annually
on equity

D

Class I

ES0105931036

1,000,000 euros

0.25%-0.45% annually
on equity*

0.05% annually
on equity

D

*Variable management fees: A fixed 0.25% management fee will be applied, which will be accrued daily and regardless of its profitability. In addition, a variable fee will be calculated daily based on the accumulated return of the fund, which will charge a maximum total annual management fee of 0.65% for class A, and a maximum annual total of 0.45% for class I.


Shall we discuss it?

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

Protect your investment from interest rate hikes

The investment is made, essentially, through the bond market, from both public and private issuers. With this conservative profile fund you protect your investment from possible interest rate rises.


SANTANDER RENTA FIJA FLOTANTE, FI

This fund is recommended for those seeking protection against inflation, in a scenario of possible increases in the Euribor.

  • Euro Fixed Income fund which invests at least 50% at variable or floating interest rates.
  • Indicative term of the investment: 1 year.
  • The Floating Fixed Income Fund is registered in the CNMV record under number 5292.
  • You can refer to the Prospectus, the DFI and the complete product sheet here.

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

Lower risk
Potentially lower return

Higher risk
Potentially higher return

1

2

3

4

5

6

7

Commercial conditions of the fund

Class ISIN code Minimum initial
investment
Management fee Deposit fee Fund valuation

Class A

ES0107943005

1 share

Maximum 0.65%
on average equity*

0.05% annually
on equity

Daily

*The management fee actually charged may be less depending on the profitability of the fund at any time, with a minimum of 0.25% per annum on the average equity. The variable management fee actually charged will be calculated based on the table that has been published by Relevant Fact on the CNMV website (www.cnmv.es).


Shall we discuss it?

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

Fixed Income Funds

Icon / check Created with Sketch. For those who want to invest in a term greater than 1 year.

Icon / check Created with Sketch. Conservative risk profile, with risk level 1 out of 7.

Icon / check Created with Sketch. With the possibility of investing periodically.

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