Investments Funds


Progress will allow us to treat diseases that are considered fatal nowadays.

Health Sector

Eight of the 10 countries with the biggest number of diabetics are developed countries. International Diabetes Federation

Health developments have been notable during this last century, which were visible with the increase of life expectancy, from 46,6 years in 1950 to 71,4 years in 2015. It is expected that in 2030 it will reach 90 years. Together with the increase of life expectancy is the raise of global population, that will increase from 6 billion in 2015 to 9 billion in 2050, according data from the United Nations.

The growth of the population and a bigger society life expectancy tend to be pricy, contributing to the expansion of the health sector for the challenge of bringing innovative and economical solutions to more people. Charges with health keep growing rapidly, increasing 2,5% per year. Developed countries represent 15% of the global population but account for 75% of the world’s expenses with health.

Globaly, cronic diseases such as diabetes, obesity and smoking are responsible for 40 million premature deaths per year.

Diseases such as Obesity are one of the biggest social problems of our time, with expenses of around 2 trillion dollars per year.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

What is an Investment Fund?

An investment fund is a financial product composed by dozens of securities from several entities, such as shares, bonds and other assets, which allows to distribute the risk. The management of the fund is made by professionals of a management company and must be considered as a long term investment. This product does not hold guarantee of profitability or of the invested capital.

What composes an Investment Fund?

An Investment Fund is composed by units named Net Asset Value (NAV) which are autonomous fractions, with identical characteristics, that in their whole represent the value of the global asset of the investment fund, in a determined time.

Investment funds are composed by different classes of assets such as shares, bonds and liquidity.

Which are the main types of Funds?

The most common types of funds are:

  • Short term: invest in funds with high liquidity presenting interest rate profitability close to the market;
  • Bonds: invest essentially on public debt bonds or bonds issued by companies, on a mid/long-term standpoint;
  • Shares: invest mostly on shares, being exposed to a higher risk but with more profitability potential on a long-term standpoint;
  • Alternatives: are complex instruments given the higher degree of freedom regarding the establishment of management rules;
  • Multi Assets: invest simultaneously on shares, bonds and other financial assets;
  • PPR: destined to prepare retirement, with a favorable fiscal regime.
How does the redemption of Investment Funds work?

The sale operation of an Investment Fund, of which you are a part of, is called Redemption.This operation can be done at any time for open Investment Funds. For closed Invetsment Funds, the Rdemption can only occur during a fixed period of time. Redemption Orders are not immediate, there is a period of time between the given Redemption Order and the efective deposit of the amount in the Current Account. This is called Settlement. You can see the number of days you will have to wait for the establishment of a Redemption Order in a specific Fund by consulting its Detail in "Transaction Rules".

What are the Risks and what precautions should I take?

Investing in Investment Funds has associated risks that you must consider and consult beforehand. Because this is a product without guaranteed capital, whose Net Asset Value varies throughout time, there is no certainty about the return of your investment. This could be positive, null or negative. The profitability presented by the Investment Funds are a part of the past and are not guarantees of future profitability.The currency-exhange factor is another risk that must be considered, once there are Funds in several currencies such as Euro, Dollar, Pound, among others. The relation between the Fund's currency and Euro is an important factor that must be considered when investing. All the assets in the Fund, such as Stocks and Bonds, have an impact on the Fund's value. So, analysing the allocation, geography and sectors is important in order to understand in what way some events can impact the Investment Fund.

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