Investment fund guide
To invest, you have to take a holiday and also go out to dinner.
Think of investing like learning a language, going to the gym, losing weight.
Never think that your investment is small
When you are saving, constancy is everything. The same goes for investing - you need be constant when it comes to converting part of your savings into investments. If your investment goal is long- or medium-term, a good way to achieve it is to set a fixed monthly amount, for example, and not get discouraged. Little by little, you could get more from your money.
Remember, the value of investment funds can fall as well as rise, and you may get back less than you invest.
When it comes to investing, it's not a matter of how much you can set aside. What really matters is having a clear goal, and if you're thinking of investing in the medium or long term you also need to create a habit that will help you achieve it little by little.
Remember, the value of investment funds can fall as well as rise, and you may get back less than you invest.
What do you think €50 will buy 10 years from now?
The sooner you start, the better.
Did you know that financial education is a compulsory subject in English schools?
See Because you don't have a lot of spare cash? Because you don't have a lot of spare cash?
Because you don't have a lot of spare cash?
Is €10 a lot? Funds have been democratised: once reserved for large investors, nowadays they're available to everyone. In some cases, you can invest from as little as €10.
See Because you think you need to know a lot about banking? Because you think you need to know a lot about banking?
Because you think you need to know a lot about banking?
Nowadays, it's very easy to choose and purchase funds. As the quantity of funds on the market has increased, they have gradually become more tailored to different investment needs. If you know what your own needs are and you know how to “click”, you know how to purchase a fund.
See Because you're worried about the risk of losing your money? Because you're worried about the risk of losing your money?
Because you're worried about the risk of losing your money?
This is quite a common concern because we tend to think in terms of short-term investments, like deposits. But in the case of funds, it's important to remember that these are long-term investments where the key criteria are keeping a cool head and diversifying the investment to minimise the risk.
See Because you are overwhelmed and confused by so many funds to choose from? Because you are overwhelmed and confused by so many funds to choose from?
Because you are overwhelmed and confused by so many funds to choose from?
See Because you might need your savings? Because you might need your savings?
Because you might need your savings?
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See Because you're worried about choosing the wrong fund? Because you're worried about choosing the wrong fund?
Because you're worried about choosing the wrong fund?
When it comes to purchasing a fund, the most important thing is to be clear about your investor profile. Once you know that, you really can't go wrong. And if you do need change funds, you can move your investment from one to another – we call it a 'transfer' – without any fees or fiscal impact.
See Because you don't trust these investments? Because you don't trust these investments?
Because you don't trust these investments?
Investment funds are subject to European control regulations that are designed to offer full guarantees and protect investors. By law, we are obliged to publish regular transparent reports on the performance of all our funds. We also ensure that the information we publish is clear, concise and easy to understand.
See Because of the tax you'll have to pay? Because of the tax you'll have to pay?
Because of the tax you'll have to pay?
Funds are very advantageous products from the fiscal point of view. You don't pay any tax until you redeem your investment, and the profit yielded is treated as part of the investment. Taxation at the time of sale is similar to that of the transfer of shares, except that any gain is subject to a withholding of 19%. The result may be a capital gain or loss, depending on the difference between the net asset value of the transmission and the acquisition cost. Fair enough, wouldn't you say? Oh, and if you have a fund and decide to move your investment to a different fund, there's no fiscal impact.
See Because it means choosing an investment firm and you find that even more difficult? Because it means choosing an investment firm and you find that even more difficult?
Because it means choosing an investment firm and you find that even more difficult?
Investment firms are companies that specialise in managing funds: in other words, they identify and select the different types of assets (fixed income and equities) to invest in.
There are independent firms and firms that belong to a banking group. In our case, you have the option of choosing funds managed by our own firm, Bankinter Gestión de Activos (with more than 30 years of experience), or by internationally renowned firms, either independent or belonging to other banking groups.
See Because you think funds are only based on speculation? Because you think funds are only based on speculation?
Because you think funds are only based on speculation?
Bankinter offers a wide range of carefully selected socially responsible funds. These funds seek much more than an attractive return, such as a commitment to the environment and human rights by the companies in which they hold stocks.
See Because you feel it's too complicated or you simply aren't interested in investing your time in this? Because you feel it's too complicated or you simply aren't interested in investing your time in this?
Because you feel it's too complicated or you simply aren't interested in investing your time in this?
If that's the case, you're not alone, it's quite a common feeling. But no worries: Bankinter offers expert services
such as delegated investment, where you leave decisions about when, how and where to invest to our team of experts.
If you have never invested in investment funds before, we want to suggest a plan to you that will let you do so little by little, almost without noticing.

Benefits of funds
If you think your money is worth less and less, you already have a reason to start investing.
What type of investor do you identify with?
Ant
Content AntThe value of investment funds can go down as well as up, and this may mean you get back less than you invested.
Dolphin
Content DolphinThe value of investment funds can go down as well as up, and this may mean you get back less than you invested.
Lynx
Content LynxRemember, the value of investment funds can go down as well as up.
More tools, more convenient
Investment funds dictionary
An A to Z glossary explaining all those commonly used financial terms that can be quite hard to understand if you're not an expert.Important Information
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Show/Hide legal textInvestment funds: Please remember that the value of all investments can fall as well as rise, and you may get back less than you invest.
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Show/Hide legal textThe key investor information document, prospectus and all other legal documents related to Bankinter's collective investment institutions are available at any of our branches, on the Bankinter website (www.bankinter.com) and on the website of the Spanish National Securities Market Commission (CNMV) (www.cnmv.es).