Why to invest in funds? A few reasons.

Advantages from locating savings in investment funds:

Security of invested resources

• The separation of fund property and the managing firm property (funds company – abbreviation in Polish: TFI) - the fund company (TFI) cannot profit from resources paid by customers to funds, because the fund and the company (TFI) that manages it are two separate legal entities.
• The creation of a fund or a fund company (TFI) demands permission from the Financial Supervision Commission (Komisja Nadzoru Finansowego in polish). It is necessary to realize many requirements to receive from the KNF a license for the creation and management of investment funds.
• Aside from the KNF, there are other supervisory organs which supervise the correct operations of the fund company (TFI) services for customers, such as:

- The Bank Depositary - keeps funds assets, accepts payments on funds’ accounts, performs transfers of customers’ resources,

- The Transfer Agent - assures the flow of information between the Bank Depositary and the fund company and manages all transactions made by customers.

The legal protection of participants’ interests

Your money is protected by law. The management of assets placed by participants in funds is in Poland regulated by law, and supervised by the KNF. The legal base is the Law from May 27, 2004 regarding investment funds and the Law from July 29, 2005 regarding securities trading.

The selection of risk levels

• The possibility of the differentiation of investments in regards to geographical location (Polish market or world markets). The fact that you can take advantage of various market potentials means the minimization of the risk which would be connected with investments in just one area.
• The possibility of choosing financial instruments (stocks, bonds, cash market).
• The possibility of choosing various types of investments depending on the accepted level of investment risk. You can choose among safe funds, balanced or - if you accept a higher risk – aggressive ones.
• The possibility of investment outside the Polish market - funds investing abroad assure easier access to foreign markets than in the case of direct investments in foreign currencies. Thanks to this - in the case of a favorable market situation - investors can also profit from exchange rates with the PLN.

Profits above average

Theoretically there are no upper limits of profits from investing in funds, owed to the rule of the compound interest and regulations in tax laws that are favorable towards funds.

Comfort

• Continual access to invested resources - at any moment the whole or a part can be withdrawn without loss of interest received.
• The possibility of controlling your registers and investing through the UniSieć (internet transaction - information system). You can do this at any time you want, having Internet access.
• The resources you place with us are managed by investment specialists. Thanks to their skills and experience you avoid problems connected with investing independently. You limit the risk of making wrong investment decisions and you save time that would be needed to obtain specialistic information.

Clear, transparent structure of costs carried by the participant

Information regarding all the costs that you carry, investing in funds, is given in the informational prospectus. Prospectuses are available in an electronic version in the Internet and in the form of printouts at every Customer Service Point (obligatorily!).

The site has been last updated on: 28.12.2011