Deposit Invest is a product, combining a classic term deposit with an investment in a mutual fund, in a ratio 30% investment part to 70% deposit part. This product is suitable for investors, seeking an alternative to zero interest rates on deposits, as well as those, willing to give it a try in the world of investments.
• Deposit Invest gives you a fixed interest rate on the deposit part and along with that an opportunity to generate additional yield from the investment in long-term perspective.
• You have the ultimate freedom to hold the investment part over a period of your choice, which is not bound with the deposit term. Thus, by staying invested in the long run you utilize to the maximum the yield potential of the market.
• You do not pay fees for closing and withdrawal of the deposit part at maturity
• After expiry of the initial period the deposit is being renewed automatically under the currently effective terms and conditions of a standard 12-month deposit.
Deposit part | |
Tenor | 12 months |
Currency | Bulgarian BGN and EUR |
Minimum amount | 3000 BGN/1533.88 € |
Interest rate | Fixed interest rate over the agreement period, the first 12 months: 0.40% |
Fees | Opening fees - as per the Fees and Commissions Tariff for Individuals. No fee for closing and withdrawal at maturity |
Depositing and withdrawal | Without possibility for depositing additional amounts or withdrawal during the deposit term. |
Investment part |
1. Investment in one of the UBB ExpertEase funds, corresponding to the prepared risk profile of the client.
2. The investment can be in euro or in Bulgarian leva, while it is not mandatory to be in the same currency, as is the deposit, however the nominal ratio in BGN equivalence (30% to 70%) should be maintained. |
IMPORTANT! This information contains marketing material and does not constitute investment consultation, advice, investment research or investment recommendation and should not be treated as such. The information is valid at the date of its issue and may change in the future. The value of the units of the collective investment schemes changes over time and may be higher or lower than the value at the time of the investment. No profits are guaranteed and there is a risk for investors not to refund the full amount invested. Therefore, it is advisable for investors to get acquainted with the specifics of the financial instruments in which they wish to invest and to assess how appropriate they are to meet their investment objectives and risk appetite before making an investment decision. The offered investment product concerns the purchase of units in a fund rather than any instruments, in which the respective fund invests in. Investments in collective investment schemes, offered by UBB, are guaranteed by the Investor Compensation Fund, amounting to 90% of the value of all financial instruments held by the investor in UBB, but not more than 40 000 BGN/20 451.68 €. Please, read the Key Investor Information Document and the Prospectus before investing. Upon request, you can receive a paper copy of these documents, free of charge, at all UBB branches, within their normal working hours with clients. Full and up-to-date information about the funds, offered by UBB, can be found at www.ubb.bg, in the section "Savings and Investments", on the website of KBC Asset Management NV - Branch www.ubbam.bg, as well as in the UBB branches, where you can get a personalized investment advice. A summary of your rights as an investor is available at the following hyperlinks, in Bulgarian: 11074.pdf (ubbam.bg) and in English: 11365.pdf (ubbam.bg).
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