The information on the website may contain advertising content that does not constitute an agreement or an information document required by the law, and does not contain sufficient information to make an investment decision. Investing bears risk. Before making any investment decisions, read the fund's prospectus, including the full list of risks.

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Sub-fund nameAbbreviated investment policyMinimum initial investmentMinimum subsequent investmentSuggested investment periodPotential profit*Risk level*
Debt
Santander Conservative StrategySantander Prestiż SFIOAbbreviated investment policyinvestments in Santander FIO sub-funds – 70-100%, debt funds and debt securities – up to 100%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit*3Risk level*3
Santander Corporate BondSantander FIOAbbreviated investment policydebt securities – up to 100%, mainly corporate bondsMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit*3Risk level*3
Santander Government BondSantander FIOAbbreviated investment policydebt securities – up to 100%, issued by the National Bank of Poland, State Treasury or EU Member StatesMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 2 yearsPotential profit*3Risk level*3
Santander Prestiż Corporate BondSantander Prestiż SFIOAbbreviated investment policydebt securities – up to 100%, mainly corporate bondsMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit*3Risk level*3
Santander Prestiż Government BondSantander Prestiż SFIOAbbreviated investment policydebt securities – up to 100%, issued by the National Bank of Poland, State Treasury or EU Member StatesMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 2 yearsPotential profit*3Risk level*3
Santander Prestiż Short DurationSantander Prestiż SFIOAbbreviated investment policydebt securities – up to 100%, mainly with variable interest rate or short maturityMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 6 monthsPotential profit*2Risk level*2
Santander Short DurationSantander FIOAbbreviated investment policydebt securities – up to 100%, mainly with variable interest rate or short maturityMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 6 monthsPotential profit*2Risk level*2
Mixed
Santander BalancedSantander FIOAbbreviated investment policyshares – 45%-65%, debt securities – up to 55%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 4 yearsPotential profit*5Risk level*5
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%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit*4Risk level*4
Santander Platinum ConservativeSantander FIOAbbreviated investment policyshares and equity funds – up to 30%, debt securities and debt funds – up to 100%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit*3Risk level*3
Santander Stable GrowthSantander FIOAbbreviated investment policyshares – 25-35%, debt securities - max. 75%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit*4Risk level*4
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%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 3 yearsPotential profit*3Risk level*3
Santander Prestiż Global Fixed IncomeSantander Prestiż SFIOAbbreviated investment policySantander GO Dynamic Bond sub-fund shares – up to 100%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*3Risk level*3
Equity
Santander Equity GrowthSantander FIOAbbreviated investment policyshares – up to 100%, primarily in high-growth industriesMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*6Risk level*6
Santander Polish EquitySantander FIOAbbreviated investment policyshares – up to 100%, primarily Polish sharesMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*6Risk level*6
Santander Prestiż Emerging Markets EquitySantander Prestiż SFIOAbbreviated investment policyEmerging Markets funds – min. 60%, direct share purchases possibleMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*5Risk level*5
Santander Prestiż European EquitySantander Prestiż SFIOAbbreviated investment policySantander AM Euro Equity sub-fund shares – up to 100%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*6Risk level*6
Santander Prestiż Future WealthSantander Prestiż SFIOAbbreviated investment policySantander Future Wealth sub-fund shares – up to 100%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*6Risk level*6
Santander Prestiż Global Responsible InvestmentSantander Prestiż SFIOAbbreviated investment policySantander GO Global Equity ESG sub-fund shares – up to 100%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*6Risk level*6
Santander Prestiż Polish EquitySantander Prestiż SFIOAbbreviated investment policyshares – up to 100%, primarily Polish sharesMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*6Risk level*6
Santander Prestiż Technology and InnovationsSantander Prestiż SFIOAbbreviated investment policyHi-Tech sector shares and funds – min. 60%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*6Risk level*6
Santander Prestiż US EquitySantander Prestiż SFIOAbbreviated investment policySantander GO North American Equity sub-fund shares – up to 100%Minimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*7Risk level*7
Santander Small and Medium Caps EquitySantander FIOAbbreviated investment policyshares – up to 100%, primarily small and medium enterprises in PolandMinimum initial investment100,00 PLNMinimum subsequent investment100,00 PLNSuggested investment periodmin. 5 yearsPotential profit*6Risk level*6

* 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.
"Potential profit" and "risk level" are conceptually the same as the term "The Risk and Reward Indicator". For a given sub-fund, the values of "potential profit" and "risk level" are identical.

Santander TFI S.A. is also managing sub-funds of the Credit Agricole FIO fund, which are not distributed by Santander Bank Polska S.A. All information about the Credit Agricole FIO fund can be found at: https://www.credit-agricole.pl/klienci-indywidualni/oszczednosci-i-inwestycje/fundusze-inwestycyjne

Investing activity involves risk. The sub-funds do not guarantee that the stated investment objective will be achieved or that a specific return on investment will be achieved. The participant must take into account the possibility of losing at least part of the invested funds. When investing in mutual funds, the participant acquires participation units of such funds, and not the underlying assets that the fund itself invests in. The presented data refer to changes in the value of participation units of Santander FIO, Santander Prestiż SFIO (for a selected category of units) and Santander PPK SFIO sub-funds in the specified periods of time. The historical data do not guarantee achievement of similar returns in the future.

Before making any investment decision please read the fund prospectus, which contains, inter alia, the full list of risks.

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

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. However, it includes the management fee in each sub-fund and the performance fee - if it is established and collected in a given sub-fund.

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/documents. 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 is 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, key investor information document 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/documents and from the fund distributors. A summary of investors’ rights can be found in the prospectus (Chapter III, point 4).
The sub-funds cannot guarantee the achievement of the defined investment objective or of the expected return on investment.

This document is presented for marketing purposes and does not constitute an agreement or an information document required by law.

It should not be relied upon as the sole basis for making investment decisions.

The net asset value of some sub-funds of the Santander Funds is highly volatile due to the composition of the investment portfolio. Some sub-funds may invest more than 35% of their assets in securities issued, guaranteed or underwritten by the State Treasury or the National Bank of Poland.

The rewards of investing in shares are also accompanied by risks. A description of the risk factors, financial data and information about fees and charges can be found in the prospectuses, key information documents (KIIDs) and schedules of fees and charges available in Polish at Santander.pl/TFI/documents and at Santander fund distributors. For a summary of investors' rights, see the prospectus (Chapter III, sec. 4).

The Funds do not guarantee the achievement of a stated investment objective or a specific investment performance and future returns are subject to taxation, which depends on the personal situation of each investor and which may change over time. Before making an investment decision, the participant should consider the fees associated with the sub-fund and take into account the possible taxation of the investment return. The participant must also take into account the possibility of losing at least part of the invested funds.

When investing in mutual funds, the participant purchases the units of those funds and not the underlying assets that the fund itself invests in.