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Investment products

Fixed income, equity or mixed investment funds?

We never tire of saying that no fund is better than any other. There is only the one that meets our needs, that matches our idea of the term of the investment and, above all, our expectations of returns and risk exposure. Being clear about our needs and our investor profile will ensure we make the right choices.

We must be clear about how much we are willing to risk to achieve our returns when we are defining the type of investor we are. If we want higher returns, we have to accept greater risk. If we are not willing to take that risk, we have to settle for lower returns.

Here are some of our recommendations when you have defined your investor profile (from more conservative to higher risk):

Fixed income funds

These are recommended for investors with an investment horizon of between six months and three years who are seeking the greatest stability for their investments, at the expense of returns.

With fixed income securities, we know we will receive interest regularly and that the capital will be returned on the maturity date.

The concept of fixed income relates directly to the fact that we know how much we will receive, and when, at the time we invest.

Equity funds

These are recommended for investors with an investment horizon of more than five years, offsetting ad hoc market volatility to achieve the high expectations of returns for such assets.

Investing in equities means investing in company shares. Equities are riskier than fixed income instruments but offer potentially higher returns.

Mixed income funds

These are recommended for investors with an investment horizon of between three and five years, who prioritise the possibility of higher returns by diversifying part of their portfolio into markets that might be riskier.

Plus

How do funds work?

Have a question? Check the details and tax treatment of our investment funds.
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Fund comparison tool

Everything is easier with a little help. And our comparison tool will help you choose from the different funds in our portfolio based on their yields.
Find out more about Fund comparison tool