Choose the way of investing
that adapts to you

Yes, imagin&Invest is a discretionary portfolio service that lets you invest from €500: Create your own customised portfolio managed by qualified professionals; Stay up to date at all times on the portfolio's progress; you can deposit or withdraw your money when the client wishes to do so (withdrawing your investment before the recommended time horizon increases the risk of incurring a loss). imagin&Invest portfolios is the trade name of Smart Money in imaginBank. 

Portfolios have a fixed annual cost associated with the discretionary portfolio management service, and costs and expenses associated with the funds that are in the managed portfolio. The costs and expenses associated with the funds in the portfolio include recurring costs, such as the management fee and the depositary fee, which are discounted when the net asset value of each fund is calculated. Every year, each customer will receive a report informing them of the actual costs and expenses of their portfolio for the previous year.

If you're an imagin customer, from the "Apply" section, select "Invest" to access the catalogue of available funds. From each Fund you have access to the information sheet of the same with detailed information on its profitability, portfolio composition and other details.

When investing in investment funds, there are different types of costs that may affect the final return:

• Management fee: this is what the fund manager charges for its management work.
• Deposit or custody fee: associated with the custody of the fund's assets, charged by the depository institution.
• Subscription and/or redemption fees: some funds may charge a fee when you first invest or when you take your money out, especially if you do so outside set withdrawal dates or if you do not keep your money invested for the minimum time required.
• Ongoing costs: these include other operating expenses of the fund, such as for audits, regulatory fees, administrative costs, etc.
• Transaction costs: these are incurred when assets are bought and sold to manage the fund.
• Performance fee: certain funds may charge an additional fee if a certain level of return is achieved.

It’s important to remember that even if subscription or redemption fees are not always charged at the time you invest or withdraw, some funds may include them as part of their operating policy.

To see all the costs that may apply in each case, investors should always check the Key Investor Information Document (KIID), the fund’s Prospectus, and refer to imagin’s fee schedule.