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The investment's value depends on the market value of the investment fund's assets and may lead to significant losses. Accepting a higher level of risk is necessary to have the chance of obtaining greater returns. Past performance is not indicative of future results.
You decide in what and how to invest
Invest your savings on the basis of the goals you are pursuing. Choose the fund that suits your investor profile best. In addition, you can make regular contributions from Digital Banking.
No enrollment fee
Access the financial market without incurring any initial costs upon subscribing your investment fund.
Redeem your investment at any time (1)
Liquidity: you can redeem your investment at any time, whenever you need it.
Tax benefits (2)
Funds are only taxed upon redemption: transfer your investment from one fund to another tax free.
If you do not have a fund account at Unicaja, log in to your Digital Banking and press "Subscribe" on the menu. Then select "Fund Account"(*). Follow the steps to sign your fund account contract.
If your fund account is active, press "Savings and Investment", choose the fund account you wish to operate with and press "Subscription". The fund search engine will open, allowing you to query the entire Unicaja catalogue.
Select the fund that interests you most by pressing "Subscribe". Then choose whether you wish to subscribe the fund by number of units or for a certain amount, and indicate the amount. Press "Continue". Once you have read the legal documents and marked them as having been read, enter the code we will send you to your mobile phone.
(*) If the customer has not previously signed the Basic MiFID Rights and Obligations Agreement, they will also be requested to sign it during the fund account subscription process.
Funds are investment products that pool the contributions made by different people (or unitholders), who are seeking returns on their savings.
The fund's capital is managed by a company which can invest it in a broad range of assets in order to earn returns on said contributions made by the unitholders, such as:
- Financial assets (currencies, shares, bonds, etc.).
- Non-financial assets (real estate, raw materials, etc.).
More about what an investment fund is.
In order to subscribe an investment fund through our Digital Banking service, you will need to be a Unicaja customer, have access to the Digital Banking service and open your fund account, which allows you to subscribe the fund that interests you most.
Find out more about how to subscribe an investment fund.
An investment fund transfer consists of redeeming a fund and subscribing another fund immediately thereafter, regardless of whether they are from the same or different management companies.
The capital thus transferred will not be subject to taxation and will only be taxed at the time of effective sale.
Find out how to make an investment fund transfer.
In the case of natural persons, investment fund unitholders will not pay any taxes until their investment is redeemed. Transfers between investment funds are exempted from taxation.
Further information on investment fund taxation.
You can redeem a Unicaja investment fund directly on the Digital Banking service, the Unicaja app or by going to any of our branches.
You can go to any Unicaja branch, where they will conduct a Suitability Test to choose the investment funds that best suit your investor profile.
The fees for investment funds are set forth in the Explanatory Leaflet and in the Costs and Incentives Report, which you can find within the legal information associated to each specific fund.
You can dispose of the investment whenever you need it without any kind of penalty. The risk of losing capital may increase if a divestment is made before the recommended time frame.
In this section you can access the different policies adopted by Unicaja to offer you the most appropriate protection within the framework of the new regulations on financial instruments markets, as well as information on them.
(1) The risk of losing capital may increase if a divestment is made before the recommended time frame.
(2) The tax regime for investment funds is general. The tax benefits and/or advantages are applied to natural persons who reside in Spain.
Investment funds managed by Unigest, S.G.I.I.C., S.A., which was duly registered at the Spanish National Securities Market Commission (CNMV) on 21 May 1992 with the No. 154. Depository: CECABANK, S.A. Investment funds marketed through the Allfunds Bank platform.
Consult the prospectuses and documents containing essential information for investors at www.unicajabanco.es and www.cnmv.es.
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