A portfolio adapted to you.<\/p>\n[\/vc_column_text][nectar_cta btn_style=”text-reveal-wave” heading_tag=”span” button_color=”accent-color” text_color=”#ffffff” button_border_thickness=”0px” link_type=”new_tab” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”inline” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Invest” padding_top=”0.8em” padding_bottom=”0.8em” padding_left=”2em” padding_right=”2em” margin_right=”1em” font_size_desktop=”1.1vw” url=”https:\/\/onboarding.myandbank.com\/inicio” font_size_tablet=”14″][\/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” bottom_padding=”0″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”right” top_margin=”64″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_highlighted_text scribble_color=”#f75f2b” style=”scribble” scribble_shape=”basic-underline” scribble_thickness=”thick” scribble_speed=”1.8s” scribble_easing=”ease_in_out” font_line_height=”1.3″ custom_font_size=”40px”]\n
Investments in automated portfolios composed of Vanguard index funds.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Money”][vc_column_text css=”.vc_custom_1787645149317{margin-top: -24px !important;}”]\n
0.30% management fee and 0.20% annual custody fee. Fees are charged quarterly.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1678700388803{margin-bottom: 2% !important;}”][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Security-Check”][vc_column_text css=”.vc_custom_1764320709370{margin-top: -24px !important;}”]\n
Start investing with just \u20ac150. You can make contributions on a one-off or periodic basis.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Checkout-Bag”][vc_column_text css=”.vc_custom_1787645162308{margin-top: -24px !important;}”]\n
Before opening your portfolio, we’ll send you a questionnaire so that we can offer the portfolios that best suit your risk tolerance.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1678700388803{margin-bottom: 2% !important;}”][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Refresh”][vc_column_text css=”.vc_custom_1764320736028{margin-top: -24px !important;}”]\n
You can schedule periodic contributions via the app. Choose the amount and frequency and save effortlessly.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Phone-SMS”][vc_column_text css=”.vc_custom_1764320816844{margin-top: -24px !important;}”]\n
Get your money back whenever you want at market price. We will not charge you any fees or penalties.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” bottom_padding=”0″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”right” top_margin=”64″ column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_highlighted_text scribble_color=”#f75f2b” style=”scribble” scribble_shape=”basic-underline” scribble_thickness=”thick” scribble_speed=”1.8s” scribble_easing=”ease_in_out” custom_font_size=”3vw” font_line_height=”1.3″]\n
Very low risk<\/p>\n
Glide down with complete peace of mind for your first investment opportunity. Very low risk tolerance.<\/p>\n[\/vc_column_text][nectar_cta btn_style=”underline” heading_tag=”p” button_color=”default” text_color=”#f75f2b” button_border_thickness=”0px” link_type=”image_lightbox” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”See portfolio composition” padding_top=”0″ padding_bottom=”0″ padding_left=”0″ padding_right=”0″ margin_right=”0″ font_size_desktop=”1.1vw” url=”https:\/\/myandbank.com\/wp-content\/uploads\/2024\/04\/composicio-cartera-debutant.png” font_size_tablet=”14″][nectar_cta btn_style=”text-reveal-wave” heading_tag=”p” button_color=”accent-color” text_color=”#ffffff” button_border_thickness=”0px” link_type=”new_tab” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Invest” padding_top=”0.8em” padding_bottom=”0.8em” padding_left=”2em” padding_right=”2em” margin_right=”1em” font_size_desktop=”1.1vw” url=”https:\/\/onboarding.myandbank.com\/inicio” font_size_tablet=”14″][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Green Slope” id=”1787645092942-10″ tab_id=”1787645092942-10″ sub_desc=”Risc baix”][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”1%” bottom_padding=”1%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” offset=”vc_col-md-2 vc_col-xs-3″][image_with_animation image_url=”909″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”9\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”none” max_width=”500″]\n
Low risk<\/p>\n
Make your way down the gentlest slope. Low risk tolerance<\/p>\n[\/vc_column_text][nectar_cta btn_style=”underline” heading_tag=”p” button_color=”default” text_color=”#f75f2b” button_border_thickness=”0px” link_type=”image_lightbox” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”See portfolio composition” padding_top=”0″ padding_bottom=”0″ padding_left=”0″ padding_right=”0″ margin_right=”0″ font_size_desktop=”1.1vw” url=”\/wp-content\/uploads\/2023\/04\/composicion-cartera-verde.png” font_size_tablet=”14″][nectar_cta btn_style=”text-reveal-wave” heading_tag=”p” button_color=”accent-color” text_color=”#ffffff” button_border_thickness=”0px” link_type=”new_tab” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Invest” padding_top=”0.8em” padding_bottom=”0.8em” padding_left=”2em” padding_right=”2em” margin_right=”1em” font_size_desktop=”1.1vw” url=”https:\/\/onboarding.myandbank.com\/inicio” font_size_tablet=”14″][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”PistaBlue Slope” id=”1787645093028-8″ tab_id=”1787645093029-3″ sub_desc=”Risc mitj\u00e0-baix”][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”1%” bottom_padding=”1%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” offset=”vc_col-md-2 vc_col-xs-3″][image_with_animation image_url=”907″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”9\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”none” max_width=”500″]\n
Medium-low risk<\/p>\n
Start your descent with a fast pace and medium-low risk tolerance<\/p>\n[\/vc_column_text][nectar_cta btn_style=”underline” heading_tag=”p” button_color=”default” text_color=”#f75f2b” button_border_thickness=”0px” link_type=”image_lightbox” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”See portfolio composition” padding_top=”0″ padding_bottom=”0″ padding_left=”0″ padding_right=”0″ margin_right=”0″ font_size_desktop=”1.1vw” url=”\/wp-content\/uploads\/2023\/04\/composicion-cartera-azul.png” font_size_tablet=”14″][nectar_cta btn_style=”text-reveal-wave” heading_tag=”p” button_color=”accent-color” text_color=”#ffffff” button_border_thickness=”0px” link_type=”new_tab” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Invest” padding_top=”0.8em” padding_bottom=”0.8em” padding_left=”2em” padding_right=”2em” margin_right=”1em” font_size_desktop=”1.1vw” url=”https:\/\/onboarding.myandbank.com\/inicio” font_size_tablet=”14″][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Red Slope” id=”1787645093102-9″ tab_id=”1787645093103-8″ sub_desc=”Risc mitj\u00e0-alt”][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”1%” bottom_padding=”1%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” offset=”vc_col-md-2 vc_col-xs-3″][image_with_animation image_url=”905″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”9\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”none” max_width=”500″]\n
Medium-high risk<\/p>\n
Accelerate down slopes to match your medium-high risk tolerance<\/p>\n[\/vc_column_text][nectar_cta btn_style=”underline” heading_tag=”p” button_color=”default” text_color=”#f75f2b” button_border_thickness=”0px” link_type=”image_lightbox” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”See portfolio composition” padding_top=”0″ padding_bottom=”0″ padding_left=”0″ padding_right=”0″ margin_right=”0″ font_size_desktop=”1.1vw” url=”\/wp-content\/uploads\/2023\/04\/composicion-cartera-roja.png” font_size_tablet=”14″][nectar_cta btn_style=”text-reveal-wave” heading_tag=”p” button_color=”accent-color” text_color=”#ffffff” button_border_thickness=”0px” link_type=”new_tab” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Invest” padding_top=”0.8em” padding_bottom=”0.8em” padding_left=”2em” padding_right=”2em” margin_right=”1em” font_size_desktop=”1.1vw” url=”https:\/\/onboarding.myandbank.com\/inicio” font_size_tablet=”14″][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Black Slope” id=”1787645093178-4″ tab_id=”1787645093179-5″ sub_desc=”Risc alt”][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”1%” bottom_padding=”1%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” offset=”vc_col-md-2 vc_col-xs-3″][image_with_animation image_url=”903″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”9\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”none” max_width=”500″]\n
High risk<\/p>\n
Descend quickly with high risk tolerance<\/p>\n[\/vc_column_text][nectar_cta btn_style=”underline” heading_tag=”p” button_color=”default” text_color=”#f75f2b” button_border_thickness=”0px” link_type=”image_lightbox” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”See portfolio composition” padding_top=”0″ padding_bottom=”0″ padding_left=”0″ padding_right=”0″ margin_right=”0″ font_size_desktop=”1.1vw” url=”\/wp-content\/uploads\/2023\/04\/composicion-cartera-negra.png” font_size_tablet=”14″][nectar_cta btn_style=”text-reveal-wave” heading_tag=”p” button_color=”accent-color” text_color=”#ffffff” button_border_thickness=”0px” link_type=”new_tab” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Invest” padding_top=”0.8em” padding_bottom=”0.8em” padding_left=”2em” padding_right=”2em” margin_right=”1em” font_size_desktop=”1.1vw” url=”https:\/\/onboarding.myandbank.com\/inicio” font_size_tablet=”14″][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”Off-Piste” id=”1787645093247-8″ tab_id=”1787645093247-6″ sub_desc=”Risc molt alt”][vc_row_inner equal_height=”yes” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”1%” bottom_padding=”1%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default” offset=”vc_col-md-2 vc_col-xs-3″][image_with_animation image_url=”1657″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”9\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css_animation=”none” max_width=”500″]\n
Very high risk<\/p>\n
Venture down the most exciting slope. Total risk tolerance<\/p>\n[\/vc_column_text][nectar_cta btn_style=”underline” heading_tag=”p” button_color=”default” text_color=”#f75f2b” button_border_thickness=”0px” link_type=”image_lightbox” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”See portfolio composition” padding_top=”0″ padding_bottom=”0″ padding_left=”0″ padding_right=”0″ margin_right=”0″ font_size_desktop=”1.1vw” url=”https:\/\/myandbank.com\/wp-content\/uploads\/2024\/04\/composicio-cartera-fora-pista.png” font_size_tablet=”14″][nectar_cta btn_style=”text-reveal-wave” heading_tag=”p” button_color=”accent-color” text_color=”#ffffff” button_border_thickness=”0px” link_type=”new_tab” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Invest” padding_top=”0.8em” padding_bottom=”0.8em” padding_left=”2em” padding_right=”2em” margin_right=”1em” font_size_desktop=”1.1vw” url=”https:\/\/onboarding.myandbank.com\/inicio” font_size_tablet=”14″][\/vc_column_inner][\/vc_row_inner][\/tab][\/tabbed_section][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”none” equal_height=”yes” content_placement=”bottom” column_direction=”default” column_direction_tablet=”column_reverse” column_direction_phone=”column_reverse” scene_position=”center” top_padding=”5%” bottom_padding=”0″ left_padding_desktop=”7%” constrain_group_2=”yes” right_padding_desktop=”7%” bottom_padding_tablet=”10%” text_color=”custom” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” advanced_gradient_angle=”0″ overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” 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top_padding_tablet=”8%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][split_line_heading animation_type=”line-reveal-by-space” font_style=”h2″ line_reveal_by_space_text_effect=”default” stagger_animation=”true” mobile_disable_animation=”true” content_alignment=”default” mobile_content_alignment=”inherit” link_target=”_self” text_content=”Invest in your automated portfolio” font_size=”3vw” font_line_height=”1.3″][\/split_line_heading][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_element_direction_desktop=”default” column_element_spacing=”0px” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”relative” overflow=”hidden” advanced_gradient_angle=”180″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”advanced” advanced_gradient_display_type=”linear” column_padding_type=”advanced”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#ffffff” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”20px” column_link_target=”_self” overflow=”hidden” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”advanced”][image_with_animation image_url=”342″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” constrain_group_1=”yes” bottom_padding=”2%” left_padding_desktop=”7%” constrain_group_2=”yes” right_padding_desktop=”7%” top_margin=”5%” bottom_margin=”10%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”hidden” advanced_gradient_angle=”0″ shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”advanced” shape_type=”” advanced_gradient_display_type=”linear”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”0px” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”default”][vc_row_inner equal_height=”yes” column_margin=”40px” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner top_padding_desktop=”32″ constrain_group_100=”yes” bottom_padding_desktop=”32″ left_padding_desktop=”24″ constrain_group_101=”yes” right_padding_desktop=”24″ column_element_direction_desktop=”default” column_element_spacing=”10px” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#ffffff” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”custom” column_border_radius=”15px” column_link_target=”_self” zindex=”100″ overflow=”hidden” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” padding_type=”advanced” column_padding_type=”advanced” column_shadow_custom=”” custom_box_shadow=”horizontal:0,vertical:4,blur:40,spread:0,opacity:0.1″][nectar_responsive_text font_size_desktop=”4vw” class_name=”mb-1″]01[\/nectar_responsive_text][vc_column_text]\n
A new discretionary management account will be created for you.[\/vc_column_text][\/vc_column_inner][vc_column_inner top_padding_desktop=”32″ bottom_padding_desktop=”24″ left_padding_desktop=”24″ right_padding_desktop=”24″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”custom” column_border_radius=”15px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”advanced” custom_box_shadow=”horizontal:0,vertical:4,blur:40,spread:0,opacity:0.1″ gradient_type=”default”][nectar_responsive_text font_size_desktop=”4vw” class_name=”mb-1″]02[\/nectar_responsive_text][vc_column_text]\n
And we’ll recommend the automated portfolio that best suits your needs.[\/vc_column_text][\/vc_column_inner][vc_column_inner top_padding_desktop=”32″ constrain_group_100=”yes” bottom_padding_desktop=”32″ left_padding_desktop=”24″ constrain_group_101=”yes” right_padding_desktop=”24″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”custom” column_border_radius=”15px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”advanced” custom_box_shadow=”horizontal:0,vertical:0,blur:40,spread:0,opacity:0.1″ gradient_type=”default”][nectar_responsive_text font_size_desktop=”4vw” class_name=”mb-1″]03[\/nectar_responsive_text][vc_column_text]\n
Make a cash transfer.[\/vc_column_text][\/vc_column_inner][vc_column_inner top_padding_desktop=”32″ constrain_group_100=”yes” bottom_padding_desktop=”32″ left_padding_desktop=”24″ constrain_group_101=”yes” right_padding_desktop=”24″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”custom” column_border_radius=”15px” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/4″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”advanced” custom_box_shadow=”horizontal:0,vertical:0,blur:40,spread:0,opacity:0.1″ gradient_type=”default”][nectar_responsive_text font_size_desktop=”4vw” class_name=”mb-1″]04[\/nectar_responsive_text][vc_column_text]\n
We’ll take care of everything and monitor your investment at all times.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”8%” left_padding_desktop=”10%” constrain_group_2=”yes” right_padding_desktop=”10%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bottom_padding=”4%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][nectar_highlighted_text style=”none” custom_font_size=”3vw” font_size_tablet=”6vw” font_line_height=”1.2″]\n
| When the cash reaches \u20ac150, it will be invested automatically without you having to do a thing. We’ll raise the purchase orders for the funds within three business days from the time the money arrives. You’ll see your investment made in a maximum of eight business days.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Is 100% of my investment allocated to purchasing funds in managed portfolios?”][vc_column_text]No. 99.5% is invested. 0.5% of your investment is held in cash. This percentage is lower than the amount most banks hold in cash \u2013 generally 1% \u2013 when providing this type of service. By default, we hold a small portion of your investment in cash \u2013 around 0.5% of the portfolio value \u2013 to cover future custody and management fees that are charged quarterly. There is then no need to refund funds to collect fees.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Can I have multiple portfolios at the same time?”][vc_column_text]Yes, it is possible to open more than one portfolio per customer.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What fees are charged?”][vc_column_text]The automated portfolio service involves a management fee of 0.30% and an annual custody fee of 0.20% (IGI [General Indirect Tax] included). Payment is made quarterly to the cash account linked to the index fund portfolio.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are the tax implications of portfolios?”][vc_column_text]The capital gain generated in the purchase and sale of investment funds has no tax impact on individuals under current Andorran regulations.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What is the liquidity of the portfolios?”][vc_column_text]Daily, just like the funds in which they invest.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How can I cancel my portfolio?”][vc_column_text]You can cancel your portfolio at any time from the app. The cancellation process takes one to eight business days.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Where can I find the selection of the more than 500 funds?”][vc_column_text]The more than 500 actively managed and indexed funds are available in the Myandbank app. In the Investments section, click the Search funds button and you’ll find the full range of funds. You can also search for a fund by its name or ISIN number or use advanced search to search by category, manager or region.[\/vc_column_text][\/toggle][\/toggles][\/vc_column][vc_column right_padding_desktop=”2vw” top_margin_tablet=”10%” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”advanced” gradient_type=”default”][vc_row_inner content_placement=”middle” column_margin=”default” 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gradient_type=”advanced” advanced_gradient_display_type=”radial”][nectar_animated_shape shape_color=”#f75f2b” width_desktop=”65vw” animation=”none” animation_easing=”easeInOutCubic” animation_movement_type=”transform_y” position_desktop=”absolute” top_position_desktop=”0″ bottom_position_desktop=”0″ left_position_desktop=”0″ translate_y_desktop=”10%” translate_x_desktop=”-50%” zindex=”-1″ animation_offset=”160%”][image_with_animation image_url=”384″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” animation_movement_intensity=”-0.8″ hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”custom” box_shadow_method=”filter” image_loading=”default” max_width=”100%” max_width_mobile=”default” custom_box_shadow=”horizontal:-25,vertical:5,blur:25,spread:0,opacity:0″ margin_bottom=”-10%” margin_top=”5%”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f75f2b” scene_position=”center” top_padding=”2%” constrain_group_1=”yes” bottom_padding=”2%” top_margin=”5%” scale_desktop=”1.02″ rotate_desktop=”2″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”hidden” disable_element=”yes” advanced_gradient_angle=”0″ shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”advanced” shape_type=”” advanced_gradient_display_type=”linear”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”0px” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”parallax” animation_movement_type=”transform_x” column_parallax_intensity=”-2.5″ persist_movement_on_mobile=”true” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”default”][nectar_scrolling_text scroll_direction=”rtl” scroll_speed=”slowest” text_color=”#ffffff” style=”default” text_repeat_number=”5″ text_repeat_divider=”space” text_space_amount=”medium” overflow=”visible” background_image_animation=”None” custom_font_size=”4vw” custom_font_size_mobile=”9vw”]\n \n El teu compte en pocs minuts<\/h2>\n<\/div>\nObrir compte<\/h2>\n[\/nectar_scrolling_text][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” bottom_padding=”0″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column column_padding=”padding-2-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”right” top_margin=”64″ column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_highlighted_text scribble_color=”#f75f2b” style=”scribble” scribble_shape=”basic-underline” scribble_thickness=”thick” scribble_speed=”1.8s” scribble_easing=”ease_in_out” custom_font_size=”3vw” font_line_height=”1.3″]\nAccess more than 500 funds to choose the one that suits you best and with the lowest fees.<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” bottom_padding=”0″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=”” gradient_type=”default”][vc_column top_padding_desktop=”2%” bottom_padding_desktop=”160px” left_padding_desktop=”2%” right_padding_desktop=”2%” top_padding_tablet=”2%” bottom_padding_tablet=”2%” left_padding_tablet=”2%” right_padding_tablet=”2%” top_padding_phone=”2%” bottom_padding_phone=”2%” left_padding_phone=”2%” right_padding_phone=”2%” top_margin=”64″ column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” sticky_content=”true” sticky_content_functionality=”js” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”advanced” gradient_type=”default”][nectar_highlighted_text scribble_color=”#f75f2b” style=”scribble” scribble_shape=”basic-underline” scribble_thickness=”thick” scribble_speed=”1.8s” scribble_easing=”ease_in_out” font_line_height=”1.3″ custom_font_size=”40px”]\n Why invest in Myandbank funds?<\/h3>\n[\/nectar_highlighted_text][nectar_cta btn_style=”text-reveal-wave” heading_tag=”p” button_color=”accent-color” text_color=”#ffffff” button_border_thickness=”0px” link_type=”new_tab” alignment=”left” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Invest” padding_top=”0.8em” padding_bottom=”0.8em” padding_left=”2em” padding_right=”2em” margin_right=”1em” font_size_desktop=”1.1vw” url=”https:\/\/onboarding.myandbank.com\/inicio” font_size_tablet=”14″][\/vc_column][vc_column column_padding=”padding-5-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”2\/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” 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Buy your funds without a purchase fee, paying only a 0.20% annual custody fee + *IGI (General Indirect Tax).<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Cursor-Select”][vc_column_text css=”.vc_custom_1764322381783{margin-top: -24px !important;}”]\n
We have more than 500 actively managed and indexed funds and we want to continue growing this number. Tell us which one you want. (CTA that leads to the app).<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1678700388803{margin-bottom: 2% !important;}”][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Euro-Sign”][vc_column_text css=”.vc_custom_1764322533511{margin-top: -24px !important;}”]\n
You can invest in our funds from just a few euros, making it accessible to all types of investor.<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Project”][vc_column_text css=”.vc_custom_1787645595583{margin-top: -24px !important;}”]\n
Take advantage of the option to invest in a wide range of funds with different investment strategies, from the best global managers, such as Vanguard, Amundi, Franklin Templeton, Pimco and M&G.<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1678700388803{margin-bottom: 2% !important;}”][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Add-User”][vc_column_text css=”.vc_custom_1764322572790{margin-top: -24px !important;}”]\n
Daily settlement, so you can buy and sell at any time. Funds without complexity for any investor: from very cautious to very risky. Access to all fund documentation.<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”padding-1-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_icon icon_family=”iconsmind” icon_style=”default” icon_color_type=”color_scheme” icon_color=”extra-color-gradient-1″ icon_padding=”5px” pointer_events=”all” icon_iconsmind=”iconsmind-Security-Check”][vc_column_text css=”.vc_custom_1787645615047{margin-top: -24px !important;}”]\n
Safe investment with the guarantee of the country’s leading bank, with the lowest fees.<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”8%” left_padding_desktop=”10%” constrain_group_2=”yes” right_padding_desktop=”10%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bottom_padding=”4%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][nectar_highlighted_text style=”none” custom_font_size=”3vw” font_size_tablet=”6vw” font_line_height=”1.2″]\n
Standard cut-off time: [Example: 1.00 p.m.][\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h2″ heading_tag_functionality=”default” title=”How will orders received before the cut-off time be processed?”][vc_column_text]Orders received before the cut-off time will be processed with a contract date and settlement value of the same business day.[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h2″ heading_tag_functionality=”default” title=”How will orders received after the cut-off time be processed?”][vc_column_text]Orders received after the cut-off time will be considered received on the next business day and will be processed with a contract date and settlement value of the next business day.[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h2″ heading_tag_functionality=”default” title=”What is the contract date?”][vc_column_text]The date on which the customer’s subscription request is considered officially submitted.
\nIf you place the order before the cut-off time, the contract date will be the same day.
\nIf the order is placed after the cut-off time, the contract date will be the next business day.[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h2″ heading_tag_functionality=”default” title=”What is the value date?”][vc_column_text]The value date is the date on which the investment is effectively executed and the shares are assigned to the customer, at the corresponding settlement value.
\nThis date corresponds to the contract date plus the settlement days indicated in the fund (in most funds it is 2 or 3 days).
\nThe subscription is executed at the fund’s settlement value corresponding to the contract date.[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h2″ heading_tag_functionality=”default” title=”How is the settlement value calculated?”][vc_column_text]The settlement value is usually calculated at market close and published the next business day.<\/p>\n
Practical examples Customer B<\/strong> makes a subscription on Monday at 2.15 p.m. \u2192 Contract date: Tuesday. Practical examples assuming the fund has one day\u2019s notice: Customer B<\/strong> makes a subscription on Monday at 2.15 p.m. \u2192 \u2022 Contract date: Wednesday [vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”951″ bg_position=”left top” background_image_loading=”default” bg_repeat=”no-repeat” full_height=”yes” scene_position=”center” top_margin=”0″ translate_y=”-8vh” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit”…<\/p>\n","protected":false},"author":1003,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3066","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/myandbank.com\/en\/wp-json\/wp\/v2\/pages\/3066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myandbank.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myandbank.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myandbank.com\/en\/wp-json\/wp\/v2\/users\/1003"}],"replies":[{"embeddable":true,"href":"https:\/\/myandbank.com\/en\/wp-json\/wp\/v2\/comments?post=3066"}],"version-history":[{"count":3,"href":"https:\/\/myandbank.com\/en\/wp-json\/wp\/v2\/pages\/3066\/revisions"}],"predecessor-version":[{"id":3249,"href":"https:\/\/myandbank.com\/en\/wp-json\/wp\/v2\/pages\/3066\/revisions\/3249"}],"wp:attachment":[{"href":"https:\/\/myandbank.com\/en\/wp-json\/wp\/v2\/media?parent=3066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nIn a fund where the cut-off time is 1 p.m.:
\nCustomer A<\/strong> makes a subscription on Monday at 11:30 am \u2192 \u2022 Contract date: Monday
\n\u2022 Value date: generally corresponds to the contract date + 2 or 3 days.
\n\u2022 Settlement value applied: Monday’s<\/p>\n
\n\u2022 Value date: generally corresponds to the contract date + 2 or 3 days.
\n\u2022 Settlement value applied: Tuesday’s[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h2″ heading_tag_functionality=”default” title=”What is the notice period?”][vc_column_text]Some funds may require a notice period before settlement. This means that, for certain funds, it is necessary to notify in advance the intention to subscribe or settle the investment.<\/p>\n
\nCustomer A<\/strong> \u00a0makes a subscription on Monday at 11:30 am \u2192 \u2022 Contract date: Tuesday
\n\u2022 Value date: generally corresponds to the contract date + 2 or 3 days.
\n\u2022 Settlement value applied: Tuesday’s<\/p>\n
\n\u2022 Value date: generally corresponds to the contract date + 2 or 3 days.
\n\u2022 Settlement value applied: Wednesday’s[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h2″ heading_tag_functionality=”default” title=”What is the frequency of fund settlement?”][vc_column_text]It is important to note that not all funds have daily settlement. Some funds settle daily and allow trading every business day.
\nOther funds may have a weekly, fortnightly or monthly settlement frequency and, therefore, subscription (and redemption) orders are processed according to this periodicity.[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h2″ heading_tag_functionality=”default” title=”When can a fund be sold after settlement?”][vc_column_text]Investment funds cannot be sold until the day after the value date on which the subscription was settled.[\/vc_column_text][\/toggle][\/toggles][\/vc_column][vc_column right_padding_desktop=”2vw” top_margin_tablet=”10%” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” 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font_line_height=”1.3″][\/split_line_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” right_padding_desktop=”10%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ 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\nRemember that you can’t use Bizum with a tablet or PC.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” right_padding_desktop=”10%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in” mobile_disable_entrance_animation=”true” animation_easing=”easeOutQuad” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”default”][image_with_animation image_url=”146″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”https:\/\/apps.apple.com\/es\/app\/myandbank\/id6444284325″][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”147″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default” img_link=”https:\/\/play.google.com\/store\/apps\/details?id=com.andbank.myandbank”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"