This is a selection of our investment funds
These funds invest in short-term debt securities, capitalising on high interest rates1 and low risk. These include La Française Tresorerie (risk 1/7), Groupama Enterprises (risk 1/7) and BNP Paribas Euro Money Market (risk 1/7)2.
These funds replicate the performance of an index, e.g., the Spanish stock market (IBEX 35) or the main European index (EuroStoxx 50). These include Amundi IS S&P 500 ESG Index (risk 5/7), Cleome Index USA Equities (risk 5/7) and the Amundi Index MSCI World (risk 4/7) 2.
These funds invest in the tech sector or in companies that cultivate digitisation, innovation or AI, among others. These include Allianz Global Artificial Intelligence (risk 6/7), Fidelity Global Technology (risk 5/7) and the BGF World Technology (risk 5/7)2.
Got funds at another bank? Switch them to Openbank and dodge any additional fees.
Contact our specialists on 91 177 33 16 or 900 10 29 38 Monday to Friday from 8 a.m. to 8 p.m., and they'll handle the arrangements and answer any of your questions.
Why invest in funds?
- No need to be an expert. You don't have to research the markets like professionals - the fund managers take care of this for you.
- You diversify the risk. Investment funds are composed of different assets, so you avoid putting all your eggs into one basket.
- Tax advantages. You can transfer your investment from one fund to another, whenever you want and without any fees. You will only be subject to tax when you sell it.
- Access your money whenever you want. You can redeem your investment at any time. If you have investments in guaranteed funds, you will have to wait for a specific period of time.
Please note that any investment carries some level of risk, including the lack of return, loss of invested capital, and/or the foreign exchange risk for non-euro denominated products.
Before investing, please consult the level of risk and information for each of the Investment Funds distributed by Open Bank, S.A., in the Prospectus or Key Investor Information Document for each one of the Investment Funds, available at www.openbank.es/en and www.cnmv.es.
Need help getting started?
We'll tell you more about investment funds and how you can start investing.
Build your portfolio with our asset allocation models3
Want to start investing in funds but not sure where to start? Use our 5 examples of predefined portfolios or adapt the weighting to your liking.
We invest for you
Our robo-advisor automated investment service is the easiest way to invest in funds. Just choose the investment strategy you feel most comfortable with and how much money you want to start with (from €500). We'll take care of the rest!
1 Source: Refinitiv as at 21/05/2024. The interest rate for the European Central Bank is 4.50%.
2 The risk rating shown is that defined in the KIID of each fund. It is established by the CNMV (National Securities Market Commission) as a reference indicator of the potential return and risk. It is calculated using the historical data that may not be a reliable indicator of the future performance of the fund. On a scale of 1 to 7, a lower risk potentially entails a smaller return. Under no circumstance does level 1 mean it is risk-free.
3 Please note that the diversified investment examples of the "Build your Portfolio" service have not considered all the investment products available in the market, nor is it considered a personalised advisory service, given that the financial situation, investment goals or other personal needs of a particular investor have not been taken into account. Therefore, these examples do not constitute personalised recommendations, contractual elements, advice, or a personalised invitation to execute any transaction related to financial instruments, and Open Bank, S.A. is expressly released from any liability regarding the example you choose.
Want to learn more about investment funds?
Do you want to switch your investment funds to Openbank?
Please get in touch with our investment specialists on (+34) 91 177 33 16 – they will handle the transfer and you won’t be charged anything. Don’t forget that you will need your signature key (8 digits) to issue an order for the transfer. We also recommend having the following to hand:
- ISIN of the fund you wish to transfer and your Common Account Number in that fund. If the fund is international, we will ask you to provide the name of the bank or savings bank in which you hold the fund in order to identify the distributor.
- ISIN of the target fund. This must be a fund offered by Openbank. We have more than 3,000 index funds and actively managed funds to choose from, as well as funds with more accesible asset classes. Try using our Fund Finder to find one that suits you.
You will need to indicate if you are requesting a total or partial transfer (by amount or shares). Don’t forget that in order to process your transfer request, the holders of the source and target funds must match. This operation carries no fiscal implications and you will maintain the seniority of the transferred shares.
As soon as your funds are available in Openbank, you can carry out the following online and at no charge whatsoever:
- Purchase new funds.
- Additional subscriptions.
- Internal transfers.
- Redemptions.
Openbank does not charge any custody fees.
How can you invest in an investment fund through Openbank?
You can invest in a fund on our website and app. You have more than 3,000 index and actively managed funds available to invest from one euro or less. Plus, we don’t charge any transfer, subscription, custody or redemption fees.
You can also check out these examples of diversified fund portfolios with various risk levels and no additional costs for you. You can replicate them or adjust them according to your own market vision, using index funds or actively managed funds.
If you prefer, we can invest for you. From an initial investment of €500 and with no need for you to be an expert, we engage the advisory services of BlackRock®, with no cancellation fee. Check out the results of our automated investment service.
And don’t forget, our experienced AFI-certified team of investment specialists are on hand to help on (+34) 91 177 33 16.
What is an investment fund?
It consists of money that is pooled by various investors and invested and managed by financial market specialists. Its main appeal is that you can obtain a higher return than by investing on your own.
To invest in a fund, all you have to do is buy one or more shares/units of the fund. This makes you a participant. Invest at any time and from very small amounts.
There is a range of different types of investment funds: sustainable investment funds (ESG funds), which follow certain environmental, social and good governance criteria to invest in companies; funds that invest in stocks (companies) in a particular sector; index funds (which replicate the composition of an index to allow you, for example, to "invest as if a part of the IBEX 35 were yours") or actively managed funds (in which a management team studies the companies where it wants to invest the participants' money.
Openbank offers more than 3,000 index and actively managed investment funds in which you can invest from one euro or less. Try using our Fund Finder tool.
What types of investment funds do we offer at Openbank?
At Openbank, you can find more than 3,000 investment funds from the full scope of categories where you can invest from €1 or less. What’s more, we don’t charge transfer, subscription, custody or redemption fees.
Use our Fund Finder tool, applying filters including the currency or the risk you're willing to take on, or by searching by keywords.
Among our offering, you can find sector-specific or thematic funds. Plus, we are always updating our fund lists by identifying new investment opportunities in line with global developments and according to the analysis carried out by our Investment Committee.
You can also find passively managed or index funds, which offer lower management fees compared to actively managed funds, as the management team track and replicate indexes, such as the Spanish Ibex 35 or the US S&P 500, in turn significantly reducing costs.
We also offer ESG investment funds from leading asset managers. These funds follow environmental, social and good governance criteria. In addition to contributing positively to society and the environment, this type of investment offers greater efficiency and stability in the medium and long term.
What fees do you have to pay?
The management and deposit fees indicated in the prospectus of each fund shall be deducted from its net asset value. Openbank does not charge transfer, subscription, custody or redemption fees, and you can invest from €1 or less in most of the 3,000 investment funds we offer.
What are the risks of investment funds?
In the breakdown of each fund, you can check the risk levels from 1 to 7 established in accordance with the current regulations, so that you can invest in the investment fund that is most suited to your profile. Bear in mind that past performance is no guarantee of future results.
Please note that any investment in financial markets bears some level of risk, including the loss of nvested capital or lack of return.
When can you redeem your investment?
You can redeem your investment whenever you need it. The liquidity of investment funds is a huge advantage compared to term deposits (in which you have to wait for maturity to receive the principal and interest agreed). If you invest in guaranteed funds, you will have to wait a specific period of time.
Can't find the fund you're looking for or need to clarify something?
We make it simple. Got any queries or can’t find the investment fund you’re looking for? Get in touch with our investment specialists on (+34) 91 177 33 16, from Monday to Friday from 8 a.m. to 8 p.m. and they will be glad to help.
For further information, check out the Why invest in investment funds section.
We make it simple. Give us a call on 91 117 33 16 or 900 10 29 38 and our team of investment specialists will be happy to help (Mon-Fri 8 a.m. to 8 p.m.).
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