servicio-discrecional-carteras-unicorp-patrimonio-junio-2021

Unicaja Banco strengthens the discretionary portfolio management service in its commercial network

It provides professional assistance to customers when making decisions to buy and sell assets, always within targets according to their risk profile and the amount they want to invest

29 JUN 2021

3 Min reading

The investment’s value depends on the market value of the assets in the Investment Fund and may lead to significant losses. Accepting a higher level of risk is necessary to have the chance of obtaining positive returns. Past performance is not indicative of future results.

 

 

 

Unicaja Banco has strengthened in its commercial network the discretionary portfolio management service. With this service, it provides professional assistance to customers when making decisions to buy and sell assets, always within targets set according to their risk profile and the amount they want to invest. This way, customers will have access to a flexible and active management and to a broad range of investment funds, as well as enjoying the tax benefits of investment funds*.

 

With the discretionary portfolio management service, the bank makes those decisions related to the composition and management of the customer’s investment fund portfolio, so as to reach the maximum return for each risk profile. The full features of the service can be found here.

 

Unicaja Banco, based on the knowledge, experience, objectives and financial situation of the customer, will make the most suitable investment decisions. For that purpose, when subscribing the portfolio management service, the adoption of investment decisions is delegated to the bank, which is entrusted with the product selection and the execution of transactions.

 

Unicaja Banco offers its customers four portfolios, according to the different risk profiles: Conservative, Moderate, Dynamic and Aggressive. The minimum amount required is 20,000 euros.

 

The portfolio investment decisions have been delegated to Unicorp Patrimonio SV, Grupo Unicaja Banco’s private banking, which has 20 years of experience. Additionally, this work has been recognized with several awards.

 

Advantages of the discretionary portfolio management service

 

As for the advantages of the discretionary portfolio management, it is important to remark diversification and decorrelation, which could reduce the specific risk of a single financial asset. It seeks to maintain an asset portfolio with different risk levels and potential returns, from different activity sectors (industry, services, food, new technologies, banking, energy and construction, etc.), geographical areas, currencies, terms, etc.

 

It also features a rapid decision making, given that, upon signing the contract, the customer gives the bank a mandate for it, with professional nature, to discretionarily manage his or her portfolio. This allows the manager to be able to make rapid decisions in the best moments.

 

Other advantages include liquidity, as it is a service that subscribes investment funds and divestments can be requested at any time**, as well as regular and detailed information of the portfolio positions and evolution, including the costs and expenses and their effect on profitability.

 

 

 

 

*The tax regime for investment funds is general. The tax benefits or advantages are applied to natural persons who reside in Spain.

 

**The risk of losing capital may increase if a divestment is made before the recommended time horizon.

  • Productos y servicios

Noticias relacionadas

Unicaja joins the ICO guarantee line for the purchase of first homes for young people and families with dependent children

Unicaja joins the ICO guarantee line for the purchase of first homes for young people and families with dependent children

Unicaja has joined the line of guarantees offered by the Ministry of Housing and Urban Agenda for the acquisition of first homes by young people and families with dependent children. This measure allows these groups to obtain 100% financing for the purchase of the property 05 JUN. 2024
Read news
Unicaja joins the Oviedo Chamber of Commerce business Club

Unicaja joins the Oviedo Chamber of Commerce business Club

The bank expands its presence in the Chamber as a premium corporate partner, of which it was already a member of the Plenary Session. It reinforces the role of the bank as a financial support for Asturian companies 04 JUN. 2024
Read news
Unicaja renews its collaboration agreement with Iberaval to finance small businesses and the self-employed in Castilla y Leon

Unicaja renews its collaboration agreement with Iberaval to finance small businesses and the self-employed in Castilla y Leon

The two entities join the Financial Instrument of the Institute for Business Competitiveness, which provides for loans of up to 60 million euros through 2029 with European funds 30 MAY. 2024
Read news

For Unicaja Banco S.A., the holder of the web page, it is important to adapt to your tastes and preferences, for which we use own and third-party cookies, that gather connection data that may be linked to your registration user name, the purpose of which is to measure traffic and user interaction with the web page, to help to improve operation of the web content, as well as the services and products offered, preparing behaviour profiles, while always protecting your privacy. You may transparently choose the configuration that suits you best, without that causing any change in your usual operations.