Can we help you?
The investment's value depends on the market value of the Investment Fund's assets and may lead to significant losses. Accepting a higher level of risk is necessary to have the chance of obtaining positive returns. Past performance is not indicative of future results.
Your wealth in good hands
Unicorp Patrimonio S.V.'s experts design a diversified strategy that can detect investment opportunities.
A portfolio adapted to your profile
We offer four portfolio models that adapt to your investor profile, ranging from lower to higher risk.
Flexible active management
We adapt the investment strategy to rapid market changes, seeking to find the best investment opportunity.
With tax benefits*
Portfolio management offers the tax benefit of only having to pay taxes once the investment is redeemed.
Realiza el test de idoneidad
Te realizaremos un test de idoneidad. Selecciona aquellas respuestas que nos ayudarán a definir tu perfil inversor a través del que conocerás tu perfil de inversor.
Selecciona tu cartera modelo
En base al resultado del test podrás elegir la cartera que mejor se ajusta a tu perfil de inversor y si el servicio es idóneo para ti.
Haz tu primera aportación
La primera aportación debe ser superior a 20.000 euros y puede realizarse desde la cuenta de liquidez o mediante el traspaso de un fondo de inversión, ya sea interno (Unicaja Banco) o externo (desde otra entidad).
Firma el contrato
Ten a mano tu tarjeta de coordenadas y tu móvil. Cuando introduzcas la coordenada solicitada rebirás un SMS con tu clave de seguridad.
WHY DELEGATE MY INVESTMENT PORTFOLIO'S MANAGEMENT?
Discretionary Portfolio Management is a service that places your investment in the hands of Unicorp Patrimonio S.V.'s professional experts, who take decisions concerning an investment fund portfolio's composition in accordance with your risk profile. You can therefore have the peace of mind of knowing that your portfolio is being managed professionally with the aim of gaining the maximum possible return.
Unicorp Patrimonio S.V.'s experts decide which funds are the best to invest in at any given time.
Discretionary Portfolio Management is based on designing a diversified portfolio comprised of assets from different sectors, areas, currencies...
The Discretionary Portfolio Management service allows you to redeem your investment at the time you deem most appropriate**.
We inform you periodically and transparently about how your portfolio and associated expenses are evolving.
What is the risk level of Discretionary Portfolio Management?
The risk level depends on the portfolio model which the customer subscribes. More specifically, four portfolio models have been established from lower to higher risk depending on the customer's profile:
A quarterly fee on the average wealth managed for the portfolio management service and an annual fee on the returns obtained are charged. Query the fee percentages in item 20 of Fee Schedule.
Since it consists of investment fund management, the tax which applies to it is identical to this kind of product, which is only taxed when a redemption is made and not while an investment is maintained in a fund or when it is transferred to another fund (only for resident natural persons).
The minimum subscription amount is €20,000. Once said amount has been exceeded, any successive contributions are not subject to a stipulated minimum amount.
You can choose a portfolio model on the basis of the risk profile you have been assigned by the suitability test.
The different policies set by Unicaja Banco to offer you the most suitable protection within the framework of the new legislation on financial instrument markets, along with information on them, can be found in this section.
(*) The tax regime for investment funds is general. The tax benefits and/or advantages are applied to natural persons who reside in Spain.
(**) The risk of losing capital may increase if a divestment is made before the recommended time frame.
Unicaja Banco has delegated portfolio investment decisions to Unicorp Patrimonio S.V., a company belonging to Grupo Unicaja Banco which was duly registered under the number 132 at the Administrative Registry of Portfolio Management Companies kept by the Spanish National Securities Market Commission on 18 June 1999.
Investment funds managed by Unigest, S.G.I.I.C., S.A., which was duly registered at the Spanish National Securities Market Commission (CNMV) on 21 May 1992 with the No. 154. Depository: CECABANK, S.A.
Investment funds marketed through the Allfunds Bank platform.
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