INVESTMENT FUNDS

Equity Funds

Funds that mainly invest in shares of companies from various sectors and geographical areas at an international level.

Long-term investment instruments

Equity Funds invest most of their assets in shares. There is a wide variety of funds depending on the geographical area, the sector and the capitalisation of the companies in which they invest.

In general, they are investment products that tend to offer better performance data than other fixed income funds, but are also subject to higher risks. Investing in equity funds allows you to achieve potentially better results over an investment horizon of more than 3 years. Therefore, they are the most suitable option for those who seek to increase their capital and obtain higher income in the medium to long term, assuming the associated risks.

Why invest in Equity Funds with Santander?

Trust and security: we have the necessary experience and knowledge that allow us to offer simple and customized solutions that adapt to your investment needs.
Santander Asset Management, S.A., S.G.I.I.C.: a global asset manager belonging to the Santander Group, with more than 200 specialists and with a presence in 11 countries, which focuses its activity on investment funds and tailored solutions for large companies.

Its analysis capacity and its strict risk control, as well as the knowledge of the different needs of its clients, are a differentiating element of Santander Asset Management, S.A., S.G.I.I.C..

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

Liquidity:

The daily liquidity of our funds allows you to quickly dispose of the amount you need.

Taxation:

Tax deferral since it can be transferred from one fund to another without fiscal cost, in the case of resident natural persons.

Diversification:

Risk sharing among different financial assets.

Investing in 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.

What risks does investing in these funds involve?

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

CREDIT RISK
Due to the quality of the assets in which it invests, as well as its issuers. It is the risk that the issuer will not be able to meet the payments.
MARKET RISK
It is the possibility that financial instruments are listed or have a value below the price we have paid for them. In this sense, investments may be affected by:

Interest rate risk: changes in interest rates affect the price of fixed income assets. The sensitivity to this risk depends on the duration of these assets.
Exchange rate risk: fluctuation of the exchange value in the case of assets denominated in currencies other than the reference of the participation.
Market risk from investment in variable income assets: derived from variations in the price of equity assets.
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.

INVESTMENT IN FINANCIAL DERIVATIVE INSTRUMENTS
Investing in derivatives (futures, options, etc.) may incorporate a higher risk given the nature of these products.
LIQUIDITY RISK
It is 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 governance events or conditions. The sustainability risk of investments will depend, inter alia, on the type of issuer, the sector of activity or its geographical location.

For more detailed information about the characteristics and risks of the investment fund, check the Prospectus and the Key Investor Information Document (KID), available on our website and at our branches.

How can you contract this investment?

You can contract the Equity Funds online. If you are already a client, you can contract the Equity Funds online. If you prefer, you can contact us at your nearest Santander office.

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If you want more information, visit any of our offices.

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Invest in Spanish Shares

Santander Acciones Españolas FI invests in high-quality listed companies, regardless of size and valuation. .

Santander Acciones Españolas, FI

If you want to invest in the Spanish stock market in a time horizon greater than 4 years.

Euro Variable Income fund.
They invest a minimum 75% in variable income from issuers in Spain with no predetermined distribution by capitalisation or sector of activity.
The currency risk of the fund will be 25% maximum of total exposure.
Indicative term of the investment 4 years.
Fund registered in the CNMV registry under number 58.
View the Full Brochure, the DDF and the full information for Santander Acciones Españolas, FI.

Commercial conditions of the fund

Santander Acciones Españolas FI	Code	Minimum initial investment	Management fee	Deposit fee	Fund valuation
Class A	ES0138823036	500 euros	2.15% annually on equity	0.15% annually on equity	D + 1
Class B	ES0138823010	20,000 euros	1.8% annually on equity	0,15% annually on equity	D + 1
Class C	ES0138823002	100,000 euros	1,45% annually on equity	0,15% annually on equity	D + 1
Class D	ES0138823044	20000 euros	1,8% annually on equity	0,15% annually on equity	D + 1

*Class D is a distribution class.

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Funds that invest in European companies

These funds invest in Euro and international equities that invest in listed European companies that have a satisfactory dividend distribution policy for their shareholders.

Santander Dividendo Europa, FI

For clients with experience in the stock market looking to invest in companies that generate attractive dividend yield.

It is an international equity fund, which allocates at least 75% of its assets to high and medium capitalisation companies with attractive dividend yield. The rest of the total exposure is invested in public and/or private fixed income.
The outlook of this investment fund is in the medium and/or long term, with a time horizon of more than 5 years.
This fund is registered in the CNMV registry under number 2164.
View the Full Brochure, the DDF and the full information for Santander Dividendo Europa, FI.

Commercial conditions of the fund

Santander Dividendo Europa FI	Code	Minimum initial investment	Management fee	Deposit fee	Fund valuation
Class A	ES0109360034	500 euros	1,9% annually on equity	0,15% annually on equity	D + 1
Class B	ES0109360000	20,000 euros	1,4% annually on equity	0,15% annually on equity	D + 1
Class D	ES0109360018	20,000 euros	1,4% annually on equity	0,15% annually on equity	D + 1

*Class D is a distribution class.

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Santander Acciones Euro, FI

If you are looking to invest equities through the leading companies in the Eurozone.

Fons de Euro Variable Income fund.
75% of investment is in variable income from issuers in Euro zone countries, with generation of sustainable benefits and adapted to the business cycle. The rest of the investment is made in public or private fixed income.
The outlook of this investment fund is in the medium and/or long term, with a time horizon of more than 3 years.
Fund registered in the CNMV registry under number 26.
View the Full Brochure, the DFI and the full information for Santander Acciones Euro, FI.

Commercial conditions of the fund

Santander Dividendo Europa FI	Code	Minimum initial investment	Management fee	Deposit fee	Fund valuation
Class A	ES0109360034	500 euros	1,9% annually on equity	0,15% annually on equity	D + 1

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Invest in international companies

With these funds you can invest in equities in companies around the world.

Santander Sostenible Acciones, F.I.

You will be able to invest in a fund that, in addition to financial criteria, is managed with ESG criteria.

International Variable Income Fund.
Maximum Exposure to Variable Income 100%.
Indicative investment term: 4 years.
Fund registered in the CNMV registry under number 5273.
View the full Brochure, the DDF and the complete file for Santander Sostenible Acciones, F.I.

Commercial conditions of the fund

	Code	Minimum initial investment	Management fee	Deposit fee	Fund valuation
Santander Sostenible Acciones F.I.	ES0113607008	1 share	1,60% annually on equity	0,10% annually on equity	D + 1

See full information on costs, expenses and incentives. Information corresponding to the Class A of the fund. Please refer to the conditions for other classes of the fund. See full information on costs, expenses, and incentives.

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Shall we talk?

If you want more information, visit any of our offices.

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