How can I track the progress of my portfolio?

If you log into bbva.es with your password , you will be able to see your portfolio balance, its progress and details on the funds it invests in. Every month you will receive a detailed report on your portfolio, as well as comments from the adviser on its performance, and a quarterly overview to keep you informed at all times. In addition, we will notify you whenever there is a change of below 10% in the overall value of the portfolio.

Who can invest in the portfolio?

Individuals with tax residence in Spain.

Do I have to keep a minimum balance in the portfolio?

Yes, you have to have shares worth at least €15,000 . The entire portfolio must be free from liens, seizures, freezing orders or the like. Otherwise, your portfolio will be automatically cancelled.

What are the expenses of the current account associated with the portfolio?

The Online Sin Comisiones Account and the Nómina Va Contigo Account have no administration or maintenance fees. A non-interest bearing checking account with standard conditions would have an annual cost of €160 per year for maintenance (€40 per quarter).

What is the risk of investing in the BBVA Multi3strategia Portfolio?

Please note that the funds the portfolio invests in are products with a certain level of risk. If the markets in which they invest do not evolve as expected, they could have losses, meaning you have to be able to tolerate the economic risk that results from the performance of your portfolio.

Who manages the portfolio?

The portfolio is made up of three Spanish investment funds. Both the portfolio and the funds are managed by BBVA ASSET MANAGEMENT, S.A., SGIIC, (BBVA AM), a Collective Investment Management Company registered with the Spanish National Securities Market Commission under number 14.

You can view the BBVA Multi3strategia Portfolio Standard Contract . A customized contract will be created with your personal details during the contract process.

BBVA Multi3strategia portfolio

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A portfolio created based on your risk profile.
Our professionals will actively manage the investment.
Minimum investment of €20,000.

How does it work?

BBVA Multi3strategia portfolio is a service where you delegate the management of your portfolio to BBVA, meaning your management of any capital you invest in it is minimal. BBVA will invest this asset in a portfolio made up of three funds. It is designed for long-term investments, although you can withdraw the money whenever you need it, with any gains or losses accumulated until that time.

Before investing, we will conduct a suitability assessment where we will ask you about your knowledge and experience, investment goals, risk tolerance, sustainability preferences and financial situation. Based on your investor profile, we will assign you the sample portfolio that suits your profile from among the five risk profiles that exist: very low (currently not marketable), low, medium, high or very high.

Documentation: you can view the contract associated with the discretionary management service for fund portfolios (CII) (called the BBVA Multiestrategia Portfolio). We will generate the contract with your personalized data.

Features

Our professionals will actively manage and diversify the funds that make up your portfolio, changing the strategy to adapt to the market's behavior.

Through the national funds that make up the portfolio, you will get access to global CIIs handled by internationally recognized fund managers.

Flexibility when making contributions.

You will be able to have your money, with any accumulated gains or losses, within 24 to 72 hours.

You will benefit from the tax advantages of investment funds: only taxed when reimbursed in whole or in part.

You can track the progress of your portfolio online, as well as receive a complete report every month.

What the portfolio invests in

BBVA Multi3strategia portfolio
The BBVA Multi3strategia Portfolio invests in three funds that are tailored to your needs:

Capital Strategy, IF: : fund that invests in assets that, with reasonable probability, will protect the nominal capital over a period of 1 to 3 years.

Accumulation Strategy, IF:: fund that invests in assets designed to generate recurring income (dividends or coupons).

Investment Strategy, IF:: fund that invests primarily in equities in developed and emerging markets, and in high-risk absolute return strategies.

Your risk profile will determine the maximum percentage of investment in the highest risk fund (Investment Strategy, IF):

Very low risk profile: up to 10%.

Low risk profile: up to 25%.

Medium risk profile: up to 45%.

High risk profile: up to 65%.

Very high risk profile: up to 95%.

Terms and Conditions

Investment

Minimum initial investment: €20,000.
Fees
Active management fee for the portfolio:

0.65% annually for very low, low and medium risk profiles (130€ minimum). 0.75% yearly for high and very high profiles (€150 minimum). Charged every six months.

5% of the portfolio's yearly returns;

Do you want it?

You can invest in the BBVA Multi3strategia Portfolio by going to your BBVA branch and speaking to a specialized adviser. Fill out the information request form to arrange an appointment with your adviser.

Sustainability

A fundamental pillar is sustainability. At BBVA, you can choose to promote it in your investments. According to your sustainability preferences, we will include environmental, social or corporate governance criteria.

Information on sustainability

You can consult all the documentation related to sustainability in the following documents:

Pre-contractual information on the financial products referred to in Article 8, sections 1, 2 and 2 bis, of Regulation (EU) 2019/2088 and Article 6, first paragraph, of Regulation (EU) 2020/852.

Information regarding financial products that promote environmental or social characteristics.

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