Investment Funds

Third-party funds

Access a wide range of investment funds managed by leading external asset managers and choose how you want to invest.

Over 700 funds across all categories.
Diversification across different regions.
A broad mix of asset types.

Over 700 investment funds

To help you diversify your portfolio, Banco Santander offers a broad selection of funds managed by third-party providers, so you can compare options and select the assets that best suit your investment profile.

How does this service work?

Our team of experts assesses funds from international asset managers using both qualitative and quantitative criteria, including the robustness of their investment processes and the strength of their management teams. Based on this analysis, Banco Santander gives you access to more than 700 investment funds across a wide range of categories and geographic markets from leading international asset managers, so you can choose those that best match your investment needs.

You can make your own selection using the Fund Search Engine and filtering according to your needs:

Asset type
Currency
Geographic area
Risk level
Management Company
Profitability
Rating
Fees

Features

The funds that Banco Santander offers you have been carefully selected by our team of analysts and they meet rigorous standards in investment and management processes.

The funds of third-party managers also offer features common to our entire fund offering:

Liquidity: you can have the amount you need almost immediately.
Tax treatment¹: the funds are exempt from capital gains tax until they are redeemed for individuals residing in Spain.
Diversification: the risk is spread among different financial assets to protect the investment.
Transparency: All the information you need to understand where you are investing your money is in the Fundamental Data for the Investor document.

Know the available assets

Here are the various types of third-party funds you can invest in through Banco Santander:

Monetary and Fixed Income. These funds invest in bonds and obligations issued by states and/or private companies. This type of investment allows you to choose from very short terms to longer terms and is suitable for clients who do not want to take a high risk.
Mixed/Profiled. These are funds that combine fixed and variable income in different proportions depending on the fund. You can choose more or less risk according to your investment objectives and can use them as a sole investment as they are widely diversified.
Variable Income. These are funds that invest in the shares of various companies. In general, the risk is higher than for fixed income funds but, in return, they offer potentially higher returns. They allow us to cover the various geographical areas and special topics.
Sector funds. Within the variable income funds we can choose special themes and the sectors that best fit the market moment.
Absolute Return/Alternative. These funds seek to obtain positive returns, regardless of market conditions. Very different techniques are used and they are very useful to complement the portfolios and reduce their risk.

Risks associated with third-party investment funds

Investing in investment funds carries a certain degree of risk, which depends on each fund’s composition, market fluctuations and other factors associated with investing in securities. As a result, you run the risk of losing all or part of your investment.

Broadly speaking, investing in funds carries the following risks:

CREDIT RISK

Due to the quality of the assets in which it invests, as well as their issuers. It is the risk that the issuer may be unable to honour its payment obligations.

MARKET RISK

This is the risk that financial instruments may trade or be valued below the price paid for them. In this regard, investments may be affected by:

Interest rate risk: changes in interest rates affect the value of fixed-income assets. Sensitivity to this risk depends on the duration of these assets.

Foreign exchange risk: fluctuations in exchange rates where assets are denominated in a currency other than that of the unit.

Equity market risk: arising from changes in the prices of equity assets.

Emerging markets risk: political changes or economic conditions may affect the value of investments.

Geographic or sector concentration risk: Concentrating investment in a single region or sector increases market risk.

RISK OF INVESTING IN DERIVATIVES

Investing in derivatives (futures, options, etc.) can carry a higher risk due to the nature of these products.

LIQUIDITY RISK

The risk that no counterparty can be found in the market, meaning, therefore, that the product cannot be sold.

SUSTAINABILITY RISK

These risks relate to environmental, social or governance events or conditions. The sustainability risk of an investment depends on the type of issuer, the sector of activity or its geographic location, among other factors.

How can I invest?

These funds are available exclusively on the Bank’s website and app.

If you are already a customer, first explore the selection of funds that Banco Santander has to offer through our investment platform, or search for them directly using our Fund Finder. If you’re not yet a customer, be sure to discover the benefits of banking with Banco Santander.

Third-party funds

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Over 700 funds across all categories.
Diversification across different regions.
A broad mix of asset types.

Investment funds carry certain risks (market, credit, liquidity, currency, interest rate, sustainability, etc.) and there is a risk of losing all or part of the investment. These risks are described in the fund’s Prospectus and Key Information Document (KID).

Before making an investment decision, you should consult the Prospectus and the KID for the fund, both available from the relevant supervisory authority and, as the case may be, from the market on which the instrument may be admitted to trading, as well as on the website of the fund issuer or management company. The decision on whether to invest in the fund should be made having due regard to all the features and objectives of the fund, as described in its Prospectus and KID. The investment being promoted here relates to the acquisition of units in an investment fund and not to a specific underlying asset. Past performance is not a reliable indicator of future results and, where the fund is denominated in a currency other than the euro, its performance may increase or decrease as a result of exchange rate fluctuations.

The tax treatment of any returns obtained from the investments will depend on the tax legislation applicable to your personal circumstances, and may change in the future.

This communication constitutes advertising and its purpose is commercial. It is not contractual information or information required under any legislative provision, nor should it be treated as any kind of investment recommendation or advice, and it does not constitute sufficient information in itself on which to make an investment decision.

1. The tax treatment of an investment will depend on each investor’s individual circumstances and may change in the future. In the case of Collective Investment Schemes (CIS), individuals subject to personal income tax can benefit from the tax deferral regime on transfers between CIS that occur in accordance with the current law and regulations.