Investment funds

The term »investment risk« represents the risk of the investor that during the time of saving they create a different return on the selected investment than expected, where the return may also be negative (i.e. that the investor creates a loss of capital).

The assets of an individual fund consist of different financial instruments (shares, bonds, money, etc.) of different issuers (companies, countries, etc.). Adequate diversification of investments provides investors with high investment security, as the impact of one unprofitable investment on the fund's assets is generally rather small.

When saving in mutual funds, entry and exit costs, transfer costs and fixed costs (also referred to as loads) are important.

Saving in funds is long-term and it is exposed to a certain level of risk and exchange rate fluctuations in global capital markets. Each investor must be familiar with their attitude to risk and, based on this information and in relation to the expected duration and objective of the investment, they must appropriately diversify the assets of the investment in the funds.

Shares are the most profitable investment in the long run.

Pursuant to Article 93 of the Personal Income Tax Act, a share of an umbrella fund is considered capital, so that upon redemption the investor is taxed by the rules on capital gains under ZDoh-2.

The Moorea Fund savings plan is concluded for a period of 5 years with automatic renewal for the same period.

Investments under the Moorea Fund savings plan are available at no entry or exit loads.

Information on the possibilities of saving in funds can be obtained at the SKB Bank outlet or by calling the Call Centre at 01 471 55 55, where you will arrange an appointment in the selected outlet.

We often hear excuses from young parents that they don’t save because their savings would push them into a higher income class and they would receive a lower child allowance per month as a result. The reason for the decision against saving is generally unfounded because such savings are taken into account only in the form of fictitious interest.