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Subfund nameAbbreviated investment policyMinimal first paymentMinimal following paymentSuggested investment periodPotential profitRisk level
Debt
Santander Conservative StrategySantander Prestiż SFIOAbbreviated investment policyinvestments in Santander FIO sub-funds – 70-100%, debt funds and debt securities – up to 100%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit3Risk level3
Santander Corporate BondSantander FIOAbbreviated investment policydebt securities – up to 100%, mainly corporate bondsMinimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit3Risk level3
Santander European BondSantander FIOAbbreviated investment policydebt securities in EUR – min. 75%, treasury and corporate bondsMinimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit3Risk level3
Santander Government BondSantander FIOAbbreviated investment policydebt securities – up to 100%, issued by the National Bank of Poland, State Treasury or EU Member StatesMinimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 2 yearsPotential profit3Risk level3
Santander Prestiż Corporate BondSantander Prestiż SFIOAbbreviated investment policydebt securities – up to 100%, mainly corporate bondsMinimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 3 yearsPotential profit3Risk level3
Santander Prestiż Government BondSantander Prestiż SFIOAbbreviated investment policydebt securities – up to 100%, issued by the National Bank of Poland, State Treasury or EU Member StatesMinimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 2 yearsPotential profit3Risk level3
Santander Prestiż Short DurationSantander Prestiż SFIOAbbreviated investment policydebt securities – up to 100%, mainly with variable interest rate or short maturityMinimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 6 monthsPotential profit2Risk level2
Santander Short DurationSantander FIOAbbreviated investment policydebt securities – up to 100%, mainly with variable interest rate or short maturityMinimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 6 monthsPotential profit2Risk level2
Mixed
Santander BalancedSantander FIOAbbreviated investment policyshares – 50%-60%, debt securities – up to 50%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 4 yearsPotential profit5Risk level5
Santander Dynamic StrategySantander Prestiż SFIOAbbreviated investment policyinvestments in Santander FIO sub-funds – 70-100%, equity funds – 40-60%, debt funds and debt securities – 30-60%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 4 yearsPotential profit4Risk level4
Santander Moderate StrategySantander Prestiż SFIOAbbreviated investment policyinvestments in Santander FIO sub-funds – 70-100%, debt funds and debt securities – 50%-80%, equity funds – 20%-40%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit4Risk level4
Santander Platinum ConservativeSantander FIOAbbreviated investment policyshares and equity funds – up to 20%, debt securities and debt funds – up to 100%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit3Risk level3
Santander Platinum DynamicSantander FIOAbbreviated investment policyshares and equity funds – 50%-70%, debt securities and debt funds – 30%-50%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 4 yearsPotential profit4Risk level4
Santander Platinum ModerateSantander FIOAbbreviated investment policyshares and equity funds – 20%-40%, debt securities and debt funds – 60%-80%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit4Risk level4
Santander Stable GrowthSantander FIOAbbreviated investment policyshares – 25-35%, debt securities - max. 75%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit4Risk level4
Absolute return
Santander Prestiż AlfaSantander Prestiż SFIOAbbreviated investment policy'market neutral' strategy: shares – 40-70%, subject to market risk mitigation (short position on stock index futures), debt securities – max. 60%, including corporate bonds – up to 40%Minimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 3 yearsPotential profit3Risk level3
Santander Prestiż Global Fixed IncomeSantander Prestiż SFIOAbbreviated investment policySantander GO Dynamic Bond sub-fund shares – up to 100%Minimal first payment20 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 5 yearsPotential profit4Risk level4
Equity
Santander Central and Eastern European EquitySantander FIOAbbreviated investment policyshares – up to 100%, shares from Central and Eastern Europe – min. 66%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Equity GrowthSantander FIOAbbreviated investment policyshares – up to 100%, primarily in high-growth industriesMinimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit5Risk level5
Santander Equity StrategySantander Prestiż SFIOAbbreviated investment policyinvestments in Santander FIO sub-funds – 70-100%, equity funds – 70%-90%, debt funds and debt securities – up to 30%Minimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit5Risk level5
Santander Polish EquitySantander FIOAbbreviated investment policyshares – up to 100%, primarily Polish sharesMinimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Prestiż Central and Eastern European EquitySantander Prestiż SFIOAbbreviated investment policyshares – up to 100%, shares from Central and Eastern Europe (except for Poland) – min. 66%Minimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Prestiż Emerging Markets EquitySantander Prestiż SFIOAbbreviated investment policyEmerging Markets funds – min. 60%, direct share purchases possibleMinimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Prestiż European EquitySantander Prestiż SFIOAbbreviated investment policySantander AM Euro Equity sub-fund shares – up to 100%Minimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Prestiż Global Responsible InvestmentSantander Prestiż SFIOAbbreviated investment policySantander GO Global Equity ESG sub-fund shares – up to 100%Minimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Prestiż Polish EquitySantander Prestiż SFIOAbbreviated investment policyshares – up to 100%, primarily Polish sharesMinimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Prestiż Technology and InnovationsSantander Prestiż SFIOAbbreviated investment policyHi-Tech sector shares and funds – min. 60%Minimal first payment20 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Prestiż US EquitySantander Prestiż SFIOAbbreviated investment policySantander GO North American Equity sub-fund shares – up to 100%Minimal first payment10 000,00 PLNMinimal following payment1 000,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6
Santander Small and Medium Caps EquitySantander FIOAbbreviated investment policyshares – up to 100%, primarily small and medium enterprises in PolandMinimal first payment1 000,00 PLNMinimal following payment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit6Risk level6

* The Risk and Reward Indicator is a synthetic measure reflecting the degree of risk associated with investments in the Sub-fund. The higher the indicator figure, the higher the investment risk level. The lowest category (1) does not mean the sub-fund is a risk free investment.

Composition of Santander PPK SFIO

List of sub-funds

* The Santander PPK 2065 sub-fund will be launched when the first units are allocated for payments made to a Participant born between 2003 and 2007. Applying for a change in the allocation of investments or a change in the allocation of payments resulting in the disposal of units of the Santander PPK 2065 sub-fund will be possible after the launch of this sub-fund. The Fund will announce the launch of the sub-fund on the Santander.pl/TFI website.

Investment calculator

Using the investment calculator you can calculate the value of the capital accrued in a given fund to date based on the following data:

  • investment start date
  • participation unit category
  • number of participation units purchased
  • redemption date (the date at which the investment value will be calculated)

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Brak danych dotyczącego funduszu

* Refers only to Santander FIO sub-funds

** The calculator does not take into account the potential entry, exit and conversion fees related to the purchases and redemptions of participation units or the capital gains tax.

The results of the calculations are rates of return on participation units of the selected category and selected sub-fund, which do not take into account the capital gains tax and the charges related to purchases and redemptions of participation units, in accordance with the schedule of fees and charges available in Polish at Santander.pl/TFI. The results are based on historical values and achievement of similar results in the future is not guaranteed. The net asset value of certain sub-funds may be exposed to considerable volatility due to the composition of the investment portfolio. Some sub-funds can invest more than 35% of their assets in securities issued, guaranteed or underwritten by the State Treasury or the National Bank of Poland. The financial data of Santander FIO and Santander Prestiż SFIO, description of risk factors and information on fees related to participation in the funds can be found in the prospectuses and tables of fees available in Polish on Santander.pl/TFI and from the fund distributors.

The sub-funds cannot guarantee the achievement of the defined investment objective or of the expected return on investment.

Prior to making an investment decision, the Participant should review the fees charged by the sub-fund and take into account the potential tax imposed on the gains. The Participant should take into consideration the possibility of losing at least some of the invested capital.