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Select savings and investment
Discover the investment options available to you as a Select customer, tailored to your investment goals and needs: managed portfolios, investment funds, stocks, ETFs, guaranteed and partially guaranteed products, foreign currency and more.
What kind of investment are you looking for?
Portfolio management: My Portfolio Selection1
This is a fund portfolio management service that allows you to delegate the management of your investments to expert professionals based on your financial goals and risk profile. You can use the simulator to calculate the return on your investment in different future scenarios, based on your investor profile:
Stock exchanges and markets1
As a Select customer, you can enjoy special conditions on foreign currency, structured products and a range of more than 3,000 ETFs, allowing you to invest in different types of assets, trends and themes.
The whole process is fully digital through Online Banking and the app, so it's up to you how to take advantage of the opportunities!
Investment funds1
You decide where and how to invest your assets based on your target returns and investment horizon. We guide you all the way!
Access to exclusive funds
As a Select customer, you have access to a selection of funds that were previously only accessible to Private Banking customers, so you can complete your investment portfolio.
Diversify with funds from other management companies
You have access to a broad range of third-party funds from national and international management companies so you can choose the ones that best suit your investment needs.
Subscribe and perform all your transactions online
The whole process is fully digital through Online Banking and the app, so it's up to you how to take advantage of the opportunities!
1. PB Portfolio Range
These funds were previously only accessible to Private Banking customers. They comprise a range of profiled funds with different risk levels that invest globally.
Select the fund with the profile that best suits your situation, planned investment horizon and risk you are willing to assume:
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Santander PB Moderate Portfolio, FI |
CNMV registration number: 4284 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 25% in fixed income issues of low creditworthiness, i.e., with a high credit risk. | |||
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Santander Pb Balanced Portfolio, FI |
CNMV registration number: 637 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 80% in fixed income issues of low creditworthiness, i.e., with a very high credit risk. | |||
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Santander Pb Dynamic Portfolio, FI |
CNMV registration number: 4285 |
Fund prospectus and Key Investor Information Document (KIID). | |
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LThe Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 60% in fixed income issues of low creditworthiness, i.e., with a very high credit risk. | |||
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Santander Pb Aggressive Portfolio, FI |
CNMV registration number: 154 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 40% in fixed income issues of low creditworthiness, i.e., with a very high credit risk. | |||
2. Santander PB Gestión Dinámica Decidido, FI
For those who are willing to assume a greater risk and consider themselves dynamic.
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Santander PB Gestión Dinámica Decidido, FI |
CNMV registration number: 4286 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 100% in fixed income issues of low creditworthiness, i.e., with a very high credit risk. | |||
3. Santander PB Strategic Bond, FI
For those who consider themselves conservative and want to invest in a range of fixed income assets. The fund strategy adapts to acquire positions in the segment that affords the greatest opportunity.
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Santander PB Strategic Bond, FI |
NCNMV registration number: 5256 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 100% in fixed income issues of low creditworthiness, i.e., with a very high credit risk. | |||
4. Santander GO
With Santander Global Opportunities, you can invest in a range of funds managed by international fund managers:
- PIMCO Europe GMBH.
- J.P. Morgan Asset Management (UK) Limited.
- RBC Global Asset Management (UK) Limited.
- Schroder Investment Management (Hong Kong) Limited.
- Morgan Stanley Investment Management Limited.
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Santander Go Short Duration Dollar |
ISIN: LU0067474261 |
Fund prospectus and Key Investor Information Document (KIID). | |
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Santander Go Global High Yield |
ISIN: LU2360100155 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest over 60% in fixed income issues of low creditworthiness, i.e., with a very high credit risk. | |||
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Santander Go Dynamic Bond |
ISIN: LU2004895350 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 50% in fixed income issues of low creditworthiness, i.e., with a very high credit risk. | |||
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Santander Go Asian Equity |
ISIN: LU2609543181 |
Fund prospectus and Key Investor Information Document (KIID). | |
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Santander Go North American Equity |
ISIN: LU0082925743 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 25% in fixed income issues of low creditworthiness, i.e., with a very high credit risk. | |||
5. Exclusive funds
You will have exclusive access to invest in three of our funds that were previously only accessible through the portfolio management service. These funds will allow you to diversify your investment with international mixed fixed income, American equities and Asian equities.
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Mi Cartera RV USA Advised By, FI |
CNMV registration number: 5774 |
Fund prospectus and Key Investor Information Document (KIID). | |
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Mi Cartera RV Asia Desarrollado Advised By, FI |
CNMV registration number: 5771 |
Fund prospectus and Key Investor Information Document (KIID. | |
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Santander Go Dynamic Bond |
ISIN: LU2004895350 |
Fund prospectus and Key Investor Information Document (KIID). | |
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The Spanish Securities Market Commission (CNMV) warns that this fund may invest up to 50% in fixed income issues of low creditworthiness, i.e., with a high credit risk. | |||
Please check the information regarding costs, fees and incentives for each fund in the relevant document, included in the tables for each range. The costs and expenses that you ultimately incur (including those that may arise from currency exchange) will depend on your personal circumstances.
What are the risks of investing in these investment products?
"Investing in funds involves 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, so there is a risk of losing all or part of the investment."
EIn general, investing in funds means undertaking the following risks:
Credit Risk
Due to the quality of the assets invested in, as well as the issuers of these assets. This is the risk that the issuer may not be able to honour its payment obligations.
Market Risk
This is the possibility that financial instruments will trade or have a value below the price paid for them. Investments may be affected by:
- Interest rate risk: changes in interest rates affect the price of fixed income assets. Sensitivity to this risk depends on the duration of the assets.
- Exchange rate risk: risk of fluctuations in the prevailing exchange rate in the case of assets in currencies other than the benchmark currency for the investment.
- Market risk for equity investments: resulting from variations in the price of equity assets.
- Risk of investing in emerging markets: political changes or economic circumstances may affect the value of investments.
- Geographical or sector concentration risk: concentrating investments in the same area or sector increases market risk.
Risks of investing in derivative financial instruments
Investing in derivatives (futures, options, etc.) may entail a higher risk due to the nature of these products.
Liquidity Risk
The risk that no counterparty can be found in the market, meanting that a product cannot be sold.
Sustainability Risk
hese risks relate to environmental, social and governmental events or conditions. The sustainability risk of investments depends, among other factors, on the type of issuer, the sector of activity and its geographical location.
We also offer you a range of pension plans
Invest in peace of mind for your retirement. Find the pension plan3 that best suits your current situation and plan your future while enjoying tax benefits.
Sf you want to calculate how much you need to save each month to achieve what you imagine your retirement income will be, answer 5 simple questions in the simulator.
Are you self-employed?
Discover the simplified occupational pension plans for the self-employed. You can increase your tax reduction from €1,500 to €5,750.
Useful information
1. Financial instruments involve certain risks (market, credit, liquidity, currency, interest rate, sustainability risk etc.), and, therefore, all or some of the investment may be lost. The risks are listed in the product's legal documentation.
Before taking any investment decision, you should consult the information in the financial instrument's legal documentation (in the case of a Collective Investment Undertaking (CIU), in the Prospectus and in the Key Investor Information Document (KIID)), available both from the relevant supervisory body and from the market where the instrument may be listed for trading, if any, and on the website of the issuer or the management company. The decision to invest in a financial instrument must be taken in due consideration of all the characteristics and objectives of the financial instrument, as described in its legal documentation. Past performance is not a reliable indicator of future results, and if the financial instrument is denominated in currencies other than the euro, its performance may go up or down as a result of currency fluctuations.
My Portfolio Selection is a portfolio management service delegated to Santander Asset Management, S.A., SGIIC, which is provided according to the customer's suitability assessment. Due consideration should be paid to the risks associated with the financial instruments in which the portfolio management service invests from time to time.
The taxation of returns obtained from investments depends on the tax legislation applicable to your personal situation and may vary in future.
This is an advertising communication, for commercial purposes. It is not contractual information or information that is legally required. It should not be treated as an investment recommendation or advice of any kind, and it is not sufficient in itself as the basis for making an investment decision.
© BANCO SANTANDER, S.A. All rights reserved – registered office: Paseo de Pereda, 9-12. SANTANDER. Tax ID A-39000013.
2. The taxes levied on your investments will be dependent upon your personal circumstances as an investor, and may change in the future. For Collective Investment Undertakings (CIUs), individuals liable for personal income tax can benefit from the tax deferral regime on transfers between CIUs, which are made in accordance with current legislation.
3. The taxes levied on your investments will be dependent upon your personal circumstances as an investor, and may change in the future. For Collective Investment Undertakings (CIUs), individuals liable for personal income tax can benefit from the tax deferral regime on transfers between CIUs, which are made in accordance with current legislation. www.santanderassetmanagement.es. Pension plans are products that depend on fluctuations in market prices and other variables. Accordingly, they do not guarantee any return.
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