In partnership with:
Investment Funds
BNI Europa, in partnership with IMGA, brings to you a wide range of Investment Funds, contributing to the diversification of your investments.
List of Funds
Planning your financial future and investing safely is crucial, and to help you achieve your goals, we offer a wide range of asset classes so you can find the solution that best suits your investment objectives.
All
Bonds
Multi-Asset
Stocks
Pension Savings Plan
Money Market
Short Term
Class
Investment Funds
Risk Rating
UP (€)
2023
2022
2021
Pension Savings Plan
IMGA Savings PSP/OICVM
4
4.9
6.5%
-15.2%
5.7%
Fund Class:
PSP - SFDR Classification - Article 8
ISIN:
PTIG1AHM0006
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 200
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.06% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
1% / year
Pension Savings Plan
IMGA Investment PSP/OICVM
4
5.2
6.9%
-14.9%
10.7%
Fund Class:
PSP - SFDR Classification - Article 8
ISIN:
PTIG1BHM0005
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 200
Pre-Notice:
Available on the 6th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.06% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
1.44% / year
Multi-Asset
IMGA Flexible
3
4.9
3.4%
-12.7%
2.5%
Fund Class:
Multiactive - SFDR Classification - Art. 8
ISIN:
PTIG1FHM0001
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 500
Pre-Notice:
Available on the 5th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.06% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
1% / year
Multi-Asset
IMGA Allocation Moderator
2
5.3
4.9%
-0.1%
2.1%
Fund Class:
Multiactive - SFDR Classification - Art. 8
ISIN:
PTIGAZHM0002
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 6th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
1.25% / year
Multi-Asset
IMGA Dynamic Allocation
3
5.6
10.0%
-15.8%
15.9%
Fund Class:
Multiactive - SFDR Classification - Art. 8
ISIN:
PTIGAYHM0011
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 6th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
1.45% / year
Multi-Asset
IMGA Defensive Allocation
2
5.5
6.6%
-12.3%
-0.6%
Fund Class:
Multiactive - SFDR Classification - Art. 8
ISIN:
PTIG1IHM0008
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
0,80% / ano
Multi-Asset
IMGA Conservative Allocation
2
5.0
7.7%
-15.0%
5.8%
Fund Class:
Multiactive - SFDR Classification - Art. 8
ISIN:
PTIGAXHM0004
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 6th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
1% / year
Bonds
IMGA Half-Yearly Income
2
4.9
6.4%
-7.3%
-0.1%
Fund Class:
Bonds - SFDR Classification - Art. 8
ISIN:
PTIGAVHM0006
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Distribution
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
0.825% / year
Bonds
IMGA Iberia Fixed Income ESG
2
5.0
6.8%
-10.9%
-1.5%
Fund Class:
Bonds - SFDR Classification - Art. 8
ISIN:
PTIG1GHM0018
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
0.875% / year
Bonds
IMGA Euro Variable Rate
2
5.2
4.3%
-4.0%
-0.2%
Fund Class:
Bonds - SFDR Classification - Art. 8
ISIN:
PTIGAUHM0023
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
0.65% / year
Bonds
IMGA Portuguese Corporate Debt
3
5.1
0.0%
0.0%
0.0%
Fund Class:
Bonds - SFDR Classification - Art. 8
ISIN:
PTIG2PHM0008
Start Date:
Jul-24
Benchmark:
-
Initial Subscription:
€ 500
Pre-Notice:
Available on the 6th working day after order
Currency:
EUR
Income Policy:
Distribution
Custodian Fee:
0.06% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
1.5% / year
Bonds
IMGA European Public Debt
2
4.8
6.3%
-12.5%
-4.3%
Fund Class:
Bonds - SFDR Classification - Art. 8
ISIN:
PTIGAWHM0013
Start Date:
Jan-21
Benchmark:
Barclays Euro Aggregate Index
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
-
Money Market
IMGA Money Market
1
5.2
2.3%
-0.2%
-0.1%
Fund Class:
Money Market - SFDR Classification - Art. 8
ISIN:
PTIGASHM0001
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 500
Pre-Notice:
Available on the 1st working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.02% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
0.5% / year
Short Term
IMGA Liquidity
2
5.3
3.4%
-3.3%
-0.2%
Fund Class:
Short Term - SFDR Classification - Art. 8
ISIN:
PTIG1HHM0009
Start Date:
Jan-22
Benchmark:
-
Initial Subscription:
€ 500
Pre-Notice:
Available on the 1st working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.05% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
0.50% / year
Stocks
IMGA Iberia Equities ESG
4
7.1
24.2%
-2.5%
9.7%
Fund Class:
Shares - SFDR Classification - Article 8
ISIN:
PTIG1JHM0015
Start Date:
Jan-23
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.075% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
2,175% / year
Stocks
IMGA Global Equities Selection
4
7.0
18.6%
-14.4%
33.4%
Fund Class:
Shares - SFDR Classification - Article 8
ISIN:
PTIG1EHM0002
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.075% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
2,175% / year
Stocks
IMGA European Equities
4
6.3
14.2%
-13.0%
26.2%
Fund Class:
Shares - SFDR Classification - Article 8
ISIN:
PTIG1KHM0004
Start Date:
Jan-21
Benchmark:
-
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.075% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
2.225% / year
Stocks
IMGA Shares Portugal
4
7.6
14.8%
4.6%
21.6%
Fund Class:
Shares - SFDR Classification - Article 8
ISIN:
PTIG1DHM0003
Start Date:
Jan-21
Benchmark:
PSI Index
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 4th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.075% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
2.175% / year
Stocks
IMGA Shares America
4
7.7
21.4%
-15.2%
34.8%
Fund Class:
Shares - SFDR Classification - Article 8
ISIN:
PTIG1CHM0004
Start Date:
Jan-21
Benchmark:
S&P 500 Index
Initial Subscription:
€ 1.000
Pre-Notice:
Available on the 6th working day after order
Currency:
EUR
Income Policy:
Capitalization
Custodian Fee:
0.075% / year
Subscription Fee:
0%
Redemption Fee:
0%
Management Fee:
2.175% / year
Advantages of Investing
Diversification
Investment funds make it possible for investors to buy various assets with different characteristics, terms, rates, and issuers.
Specialized Management
The fund is managed by specialists with knowledge and experience, who will adapt the portfolio to the market context, enhancing profitability and capital protection.
Acessibility
Investment funds simplify access to financial markets in an easy, fast, and secure manner.
Transparency
Before subscribing to an investment fund, the investor has access to all the documentation about the respective instrument.
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FAQS
What are Investment Funds?
An Investment Fund is an investment vehicle that pools capital from several investors to invest in a diversified portfolio of shares, bonds, other securities or real estate. Professional fund managers manage the assets of the Investment Fund, with the aim of producing capital gains or income for the investors (also known as participants).
How do Investment Funds work?
Investors subscribe to units in the fund and the fund uses this money to invest in a diversified portfolio. The fund’s performance, and therefore the value of the units, depends on the performance of the underlying investments.
What types of Investment Funds exist?
The most common types include equity funds (variable income), bond funds (fixed income), money market funds (short-term debt), index funds (follow a specific index) and balanced funds (a mix of shares and bonds).
What are the main advantages of investing?
Diversification, professional management, liquidity and accessibility are the main advantages. They give small investors access to a diversified portfolio managed by professionals.
What are the risks associated with investing in Investment Funds?
Market risk, interest rate risk, credit risk and management risk are typical. The value of the fund’s investments may fluctuate, affecting the price of the units.
How can I choose the best Investment Fund for me?
Consider your investment objectives, risk tolerance, time horizon and the fund’s past performance, fees and management team.
How can I invest or disinvest in an Investment Fund?
Shares can be purchased or subscribed through the fund management company or through a sales intermediary (bank or broker, at their branches or digital platform). Redemption works in a similar way, but any redemption fees or tax implications must be taken into account.
What are the costs associated with Investment Funds?
The most common fees include management fees from the management company, subscription or redemption fees and fees for transaction expenses and auditors of the Investment Funds.
What are the tax implications of investing in Investment Funds?
Investors or participants may have to pay taxes on income, capital gains distributions and any profits from the sale of fund units. The specifics depend on the type of Investment Fund and the investor’s tax situation.
How is the performance of an Investment Fund measured?
Performance is usually measured by the portfolio’s total return, which includes capital gains, dividends and interest, relative to its benchmark index over different periods of time.
