At Banco Finantia, we offer a wide selection of collective investment funds managed by some of the most reputable asset management companies at an international level.
With the support of our specialised Private Banking team, we help you identify the solutions best suited to your profile, objectives and investment horizon, always supported by our Investment Advisory service.
In the Fund Search below, you can search for the Investment Funds with which we regularly work, as well as access all relevant information and documentation, including the Key Information Document (KID), Prospectus, Articles of Association, Annual and Semi-Annual Reports, and Marketing Memorandum. These funds are also registered with the CNMV.
Risk warning: Investment funds are subject to varying levels of risk. As a general rule, a higher potential return may involve a greater risk of loss of the capital invested.
YTD (Year-to-Date) – cumulative performance from the beginning of the year up to the reference date
Past performance does not guarantee, nor is it in any way indicative of, future performance. Investors may experience results that differ from those shown.
Performance source: Bloomberg and internal calculations.
Risk Level: From 1 (lower risk and potentially lower return) to 7 (higher risk and potentially higher return). Assignment to the lowest risk category does not mean the investment is risk-free.
Sustainability: The sustainability level reflects the adverse environmental impact of each financial product, according to its SFDR category (Sustainable Finance Disclosure Regulation). For further information, please visit https://www.finantia.es/en/sustainability/.
They provide investors with access to a very broad range of investment opportunities across different asset classes, geographical regions, investment themes and management styles.
They provide access to markets and financial instruments that would otherwise be less accessible to individual.
Fund management companies benefit from highly specialised portfolio management teams.
All the funds we distribute are UCITS (Undertakings for Collective Investment in Transferable Securities) compliant, have a European passport and offer daily liquidity.
Management
Entities
Frequently asked questions
They are financial instruments made up of a common pool of assets from multiple investors, managed by a management entity that invests this capital in different assets — such as bonds, shares or money market instruments — in accordance with a pre-established investment policy.
At Banco Finantia, we distribute investment funds managed by three of the most reputable asset management companies worldwide.
The investment funds made available may be subscribed to by investors, whether individuals or companies, taking into account their different investor profiles.
A fund subscription is carried out upon the customer’s instruction and is executed at the applicable Net Asset Value (NAV), in accordance with the conditions set out in each fund’s prospectus.
A full or partial redemption is also carried out at the customer’s request and is processed at the applicable Net Asset Value (NAV) in accordance with the fund’s conditions. The execution and settlement period may vary depending on the characteristics of each fund.
Subscription and redemption requests may be submitted through Homebanking, by email to your account manager, or in person at Banco Finantia.
In the case of Portuguese investment funds, income from units held by individuals resident in Portugal is subject to withholding tax at a flat rate of 28%, with the option for aggregation. Capital gains resulting from the redemption of units are also subject to definitive withholding tax at a rate of 28%.
When income is paid to resident investors that are legal entities, withholding tax applies at a rate of 25%, with the nature of a payment on account. Non-resident investors who obtain income from Portuguese collective investment funds, including capital gains arising from their redemption or liquidation, are exempt from IRS or IRC.
With regard to foreign investment funds, distributed income and capital gains
In the case of individuals who are tax residents in Spain, income derived from investment funds, as well as capital gains arising from the redemption or transfer of fund units, are subject to taxation in accordance with the applicable Personal Income Tax (IRPF) regulations. As a general rule, redemptions are subject to a 19% withholding tax on account.
Resident investors that are legal entities are taxed in accordance with the applicable Corporate Income Tax regulations.
In addition, transfers between investment funds may, in certain circumstances and provided that the requirements established under Spanish tax legislation are met, benefit from a tax deferral regime that allows taxation to be postponed until the final redemption of the investment.
This text constitutes a general summary of the applicable tax regime and does not replace consultation of the legislation in force or personalised tax advice.
Like other financial instruments, investment funds are subject to different levels of risk, which vary according to their type and portfolio composition. Investment funds do not offer a return guarantee, as it is not possible to anticipate the returns that may be generated in the future.
As a rule, the higher the risk level of a fund, the greater its potential for appreciation. However, this potential is accompanied by a higher risk of loss of the invested capital.
It is also important to consider market risk, resulting from natural price fluctuations in the markets in which each fund invests, as well as, where applicable, foreign exchange risk, associated with the exposure of the fund’s currency to movements in the euro (EUR). Both may result in gains or losses.
Investment funds are regulated financial products and are subject to registration and supervision by the Portuguese Securities Market Commission (CMVM).
The CMVM is responsible for ensuring that financial intermediaries provide investors with periodic and up-to-date information on funds, as well as all other relevant information.
For further information, we recommend consulting the document Additional Information for Clients (spanish version).
Investment funds allow you to:
A fund transfer consists of transferring an investment from one investment fund to another without first redeeming the investment to a current account.
In the case of individuals who are tax residents in Spain, transfers between certain investment funds may benefit from a tax deferral regime, provided that the requirements established under the applicable legislation are met. This means that taxation on any capital gains realised may be deferred until the final redemption of the investment.
Fund transfers allow investors to adapt their investment portfolio to changes in their objectives, investment horizon or risk profile, while remaining invested in investment funds.
If you have any further questions about Banco Finantia, please consult the dedicated Frequently Asked Questions page.
