INVESTMENT FUNDS

PLAN YOUR FINANCIAL FUTURE
AND INVEST SAFELY


BNI Europa, in partnership with IMGA, brings you a selected set of Investment Funds

from different asset classes, contributing to greater diversification of yours investments.

 

ADVANTAGES OF INVESTING IN FUNDS
Diversification Specialized Management  

Acessibility

 

Transparency
INVESTMENT FUNDS
Planning your financial future with stability is essential and to help you achieve your goals, we offer a wide range of options. Get to know our complete offer of Investment Funds and choose the option that best suits your financial expectations.
Investment Funds Asset Class Risk Level UP (€) Yield 1Y Yield 3Y Yield 5Y Currency Documents
Prospectus | KID | R&C | Monthly Synthesis
IMGA AÇÕES AMÉRICA Equity 4 10.4 21.42% -15.16% 34.77% EUR
IMGA AÇÕES PORTUGAL Equity 4 18.7 14.78% 4.64% 21.61% EUR
IMGA EUROPEAN EQUITIES Equity 4 17.2 14.19% -12.96% 26.22% EUR
IMGA GLOBAL EQUITIES SELECTION Equity 4 144.9 18.63% -14.44% 33.38% EUR
IMGA IBERIA EQUITIES ESG Equity 4 6.3 24.21% -2.46% 9.65% EUR
IMGA LIQUIDEZ Short Term 2 5.4 3.35% -3.29% -0.24% EUR
IMGA MONEY MARKET Money Market 1 5622.7 2.32% -0.17% -0.06% EUR
IMGA DÍVIDA PÚBLICA EUROPEIA Fixed Income 2 4.9 6.29% -12.48% -4.26% EUR
IMGA EURO TAXA VARIÁVEL Fixed Income 2 5.9 4.32% -3.98% -0.22% EUR
IMGA IBERIA FIXED INCOME ESG Fixed Income 2 4.9 6.77% -10.94% -1.53% EUR
IMGA RENDIMENTO SEMESTRAL Fixed Income 2 3.4 6.44% -7.31% -0.13% EUR
IMGA ALOCAÇÃO CONSERVADORA Multi-Asset 2 9.1 7.69% -15.03% 5.74% EUR
IMGA ALOCAÇÃO DEFENSIVA Multi-Asset 2 5989.6 6.55% -12.28% -0.54% EUR
IMGA ALOCAÇÃO DINÂMICA Multi-Asset 3 12 9.96% -15.79% 15.87% EUR
IMGA ALOCAÇÃO MODERADA Multi-Asset 3 9.7 7.48% -14.53% 10.84% EUR
IMGA FLEXÍVEL Multi-Asset 3 5.7 3.39% -12.68% 2.47% EUR
IMGA INVESTIMENTO PPR/OICVM S&R 4 6.5 6.91% -14.89% 10.68% EUR
IMGA POUPANÇA PPR/OICVM S&R 4 7.4 6.50% -15.20% 5.71% EUR

Source: IMGA (www.imga.pt)

INVESTOR INFORMATION

MARKETS IN FINANCIAL INSTRUMENTS DIRECTIVE DMIF II

I. CONTEXT AND MAIN OBJECTIVES OF DMIF II

The entry into force in January 2018 of Directive 2014/65/EU of May 15, 2014, on markets in financial instruments (“DMIF II”) and related regulations, covers all persons and entities operating in the financial markets and aims to strengthen investor protection and increase the transparency and quality of the operation of the financial market and services provided.

The main objectives of this revision are to protect investors, mitigate conflicts of interest and increase the transparency and quality of the operation of the financial market and investment services.

For a better understanding of these regulations, we present the most relevant topics.

II. CLIENT CLASSIFICATION

In accordance with the provisions of Article 317 of the Portuguese Securities Code (“CVM”), the Bank must establish, in writing, an internal policy that allows it, at all times, to know the nature of each client, as a Retail Investor, Professional Investor or Eligible Counterparty, and to adopt the procedures necessary to achieve this. Banco BNI Europa, under the terms of the CVM, Directive 2014/65/EU of the European Parliament and of the Council of May 15, 2015 (“DMIF II”) and Delegated Regulation (EU) 2017/565 of April 25, 2016, must inform its clients that it assigns them a category, which may be one of the following:

          1. Non-Professional;
          2. Professional;
          3. Eligible Counterparty.

By default, clients are classified as Non-Professional Investors, and informed on a durable medium of their possible right to request a different classification and of any limitation to their level of protection that a different categorization would entail.
Therefore, with this Policy, BNI Europa discloses the requirements that allow it to assess, at any given time, the categorization of each client, as well as the procedures to be followed for any changes to the categorization of clients, while also ensuring compliance with the information requirements arising from the applicable legislation.

The investment funds presented are intended to indicate Banco BNI Europa’s selection for the corresponding asset classes, without reflecting any market view

The returns disclosed represent past data and are not a guarantee of future returns, because the value of the units may increase or decrease depending on the evolution of the assets that make up the fund, and higher returns are normally associated with greater risk. Due to economic and market risks, investment in funds may result in the loss of the capital invested, and there is no guarantee that the fund or, if applicable, the management company will achieve its objectives. The returns shown do not include any subscription or redemption fees, are net of all other fees inherent to the fund and are also subject to the tax regime in force. This information does not constitute advice or a recommendation and investment in funds does not dispense with consulting the Key Information Document, the Prospectus and the Particular Distribution Conditions (where applicable).

The information provided is for information purposes only and is presented as a mere auxiliary tool. It is not intended to replace any judgment on the part of its recipients, who are therefore entirely responsible for the actions they take. Therefore, and despite considering that the information presented has been obtained from sources considered reliable, there is nothing to prevent it from being changed at any time and without prior notice. In this sense, BNI Europa cannot guarantee the accuracy, veracity, validity and timeliness of the information contained in the information presented, and it must therefore be verified by the respective Clients. Investors should consider this information as another tool in the investment decision-making process. Banco BNI Europa therefore accepts no responsibility for any possible damage or loss resulting directly or indirectly from the use of the information presented, regardless of its form or nature.

 

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To find out more about the Investment Funds, contact a BNI Europa’s manager or ask to be contacted.

ASK TO BE CONTACTED


ADVANTAGES OF INVESTING IN FUNDS
Diversification
Specialized Management
Acessibility
Transparency
INVESTMENT FUNDS
Planning your financial future with stability is essential and to help you achieve your goals, we offer a wide range of options. Get to know our complete offer of Investment Funds and choose the option that best suits your financial expectations.
IMGA AÇÕES AMÉRICA
Asset Class: Ações
Risk Level: 4
UP (€): 10.4
YIELD 1Y: 21.42% | YIELD 3Y: -15.16% | YIELD 5Y: 34.77%
Currency: EUR
PROSPECTUS     |      KID
R&C     |      SINTESE MENSAL
IMGA AÇÕES PORTUGAL
Asset Class: Ações
Risk Level: 4
UP (€): 18.7
YIELD 1Y: 14.78% | YIELD 3Y: 4.64% | YIELD 5Y: 21.61%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA EUROPEAN EQUITIES
Asset Class: Ações
Risk Level: 4
UP (€): 17.2
YIELD 1Y: 14.19% | YIELD 3Y: -12.96% | YIELD 5Y: 26.22%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA GLOBAL EQUITIES SELECTION
Asset Class: Ações
Risk Level: 4
UP (€): 144.9
YIELD 1Y: 18.63% | YIELD 3Y: -14.44% | YIELD 5Y: 33.38%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA IBEIRA EQUITIES ESG
Asset Class: Ações
Risk Level: 4
UP (€): 6.3
YIELD 1Y: 24.21% | YIELD 3Y: -2.46% | YIELD 5Y: 9.65%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA LIQUIDEZ
Asset Class: Curto Prazo
Risk Level: 2
UP (€): 5.4
YIELD 1Y: 3.35% | YIELD 3Y: -3.29% | YIELD 5Y: -0.24%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA MONEY MARKET
Asset Class: Mercado Monetário
Risk Level: 1
UP (€): 5622.7
YIELD 1Y: 2.32% | YIELD 3Y: -0.17% | YIELD 5Y: -0.06%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA DÍVIDA PÚBLICA EUROPEIA
Asset Class: Obrigações
Risk Level: 2
UP (€): 4.9
YIELD 1Y: 6.29% | YIELD 3Y: -12.48% | YIELD 5Y: -4.26%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA EURO TAXA VARIÁVEL
Asset Class: Obrigações
Risk Level: 4
UP (€): 5.9
YIELD 1Y: 4.32% | YIELD 3Y: -3.98% | YIELD 5Y: -0.22%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA IBERIA FIXED INCOME ESG
Asset Class: Obrigações
Risk Level: 2
UP (€): 4.9
YIELD 1Y: 6.77% | YIELD 3Y: -10.94% | YIELD 5Y: -1.53%
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA RENDIMENTO SEMESTRAL
Asset Class: Obrigações
Risk Level: 2
UP (€): 3.4
YIELD 1Y: 6.44% | YIELD 3Y: -7.31%% | YIELD 5Y: -0.13% 
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA ALOCAÇÃO CONSERVADORA
Asset Class: Multiativos
Risk Level: 2
UP (€): 9.1
YIELD 1Y: 7.69% | YIELD 3Y: -15.03% | YIELD 5Y: 5.74% 
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA ALOCAÇÃO DEFENSIVA
Asset Class: Multiativos
Risk Level: 2
UP (€): 5989.6
YIELD 1Y: 6.55% | YIELD 3Y: -12.28% | YIELD 5Y: -0.54% 
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA ALOCAÇÃO DINÂMICA
Asset Class: Multiativos
Risk Level: 3
UP (€): 12
YIELD 1Y: 9.96% | YIELD 3Y: -15.79% | YIELD 5Y: 15.87% 
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA ALOCAÇÃO MODERADORA
Asset Class: Multiativos
Risk Level: 3
UP (€): 9.7
YIELD 1Y: 7.48% | YIELD 3Y: -14.53% | YIELD 5Y: 10.84% 
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA FLEXÍVEL
Asset Class: Multiativos
Risk Level: 3
UP (€): 5.7
YIELD 1Y: 3.39% | YIELD 3Y: -12.68% | YIELD 5Y: 2.47% 
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA INVESTIMENTO PPR/OICVM
Asset Class: PPR
Risk Level: 4
UP (€): 6.5
YIELD 1Y: 6.91% | YIELD 3Y: -14.89% | YIELD 5Y: 10.68% 
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL
IMGA POUPANÇA PPR/OICVM
Asset Class: PPR
Risk Level: 4
UP (€): 7.4
YIELD 1Y: 6.50% | YIELD 3Y: -15.20% | YIELD 5Y: 5.71% 
Currency: EUR
PROSPECTUS      |      KID
R&C     |      SINTESE MENSAL

Source: IMGA (www.imga.pt)

INVESTOR INFORMATION

MARKETS IN FINANCIAL INSTRUMENTS DIRECTIVE DMIF II

I. CONTEXT AND MAIN OBJECTIVES OF DMIF II

The entry into force in January 2018 of Directive 2014/65/EU of May 15, 2014, on markets in financial instruments (“DMIF II”) and related regulations, covers all persons and entities operating in the financial markets and aims to strengthen investor protection and increase the transparency and quality of the operation of the financial market and services provided.

The main objectives of this revision are to protect investors, mitigate conflicts of interest and increase the transparency and quality of the operation of the financial market and investment services.

For a better understanding of these regulations, we present the most relevant topics.

II. CLIENT CLASSIFICATION

In accordance with the provisions of Article 317 of the Portuguese Securities Code (“CVM”), the Bank must establish, in writing, an internal policy that allows it, at all times, to know the nature of each client, as a Retail Investor, Professional Investor or Eligible Counterparty, and to adopt the procedures necessary to achieve this. Banco BNI Europa, under the terms of the CVM, Directive 2014/65/EU of the European Parliament and of the Council of May 15, 2015 (“DMIF II”) and Delegated Regulation (EU) 2017/565 of April 25, 2016, must inform its clients that it assigns them a category, which may be one of the following:

          1. Non-Professional;
          2. Professional;
          3. Eligible Counterparty.

By default, clients are classified as Non-Professional Investors, and informed on a durable medium of their possible right to request a different classification and of any limitation to their level of protection that a different categorization would entail.
Therefore, with this Policy, BNI Europa discloses the requirements that allow it to assess, at any given time, the categorization of each client, as well as the procedures to be followed for any changes to the categorization of clients, while also ensuring compliance with the information requirements arising from the applicable legislation.

The investment funds presented are intended to indicate Banco BNI Europa’s selection for the corresponding asset classes, without reflecting any market view

The returns disclosed represent past data and are not a guarantee of future returns, because the value of the units may increase or decrease depending on the evolution of the assets that make up the fund, and higher returns are normally associated with greater risk. Due to economic and market risks, investment in funds may result in the loss of the capital invested, and there is no guarantee that the fund or, if applicable, the management company will achieve its objectives. The returns shown do not include any subscription or redemption fees, are net of all other fees inherent to the fund and are also subject to the tax regime in force. This information does not constitute advice or a recommendation and investment in funds does not dispense with consulting the Key Information Document, the Prospectus and the Particular Distribution Conditions (where applicable).

The information provided is for information purposes only and is presented as a mere auxiliary tool. It is not intended to replace any judgment on the part of its recipients, who are therefore entirely responsible for the actions they take. Therefore, and despite considering that the information presented has been obtained from sources considered reliable, there is nothing to prevent it from being changed at any time and without prior notice. In this sense, BNI Europa cannot guarantee the accuracy, veracity, validity and timeliness of the information contained in the information presented, and it must therefore be verified by the respective Clients. Investors should consider this information as another tool in the investment decision-making process. Banco BNI Europa therefore accepts no responsibility for any possible damage or loss resulting directly or indirectly from the use of the information presented, regardless of its form or nature.

 

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Para saber mais sobre os Fundos de Investimento, fale com a nossa Linha de Apoio ou solicite um contacto.

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