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Investment funds. Enjoy Freedom of Choice

1. Profile: Find the fund that best suits your profile

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Diversified Short Term Fixed Income EUR
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0114546031 TREA CAJAMAR CORTO PLAZO FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 3095 100 1
LU0093503810 BGF EURO SHORT DURATION BND A2 ACC EUR BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 1
ES0168673038 EDM AHORRO FI EDM GESTIÓN S.A, S.G.I.I.C. BANCO INVERSIS S.A 47 0 2
LU0267388220 FF EURO SHORT TERM BOND A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 1
Diversified Fixed Income EUR
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0180622005 TREA CAJAMAR RENTA FIJA, FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 4931 100 2
LU0050372472 BGF EURO BOND FUND A2 ACC EUR BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 2
LU0106235533 SCHRODER ISF EURO BOND A ACC EUR Schroder Investment Management Luxembourg JP Morgan 135 1.000 2
LU0408846458 JPM GLOBAL CORPORATE BOND A ACC EURH JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 35.000 3
LU0408846961 JPM GLOBAL CORPORATE BOND D ACC EURH JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 300 3
Mixed Defensive EUR
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0114547039 TREA CAJAMAR PATRIMONIO FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 3313 100 2
LU0393653596 FF GLB MASSET TACTICAL DEFENS A ACC EURH FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 3
LU1271725100 BSF EUROPEAN SELCT STRATEGIES A2 ACC EUR BlackRock (Luxembourg) S.A. State Street Bank Luxembourg S.C.A. 626 5.000 3
LU0757360457 SCHRODER ISF GLB MASSET INCOME A AC EURH Schroder Investment Management Luxembourg JP Morgan 135 1.000 3
Mixed Defensive EUR - Global
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0180552004 TREA CAJAMAR VALOR FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 5125 5.000 3
LU0784383399 BGF GLOBAL MULTIASSET INCOME A2 ACC EURH BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 3
LU0987487336 FF GLOBAL MULTI ASSET INCOME A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 3
LU1458463236 JPM GLOBAL INCOME CONSERVATIVE A (DIV) EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 103 35.000 4
LU1458464804 JPM GLOBAL INCOME CONSERVATIVE D (DIV) EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 103 5.000 4
Mixed Moderate EUR
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0109226037 TREA CAJAMAR CRECIMIENTO FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 3314 100 3
LU0261950553 FF EURO BALANCED FUND A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 3
LU0070212591 JPM GLOBAL BALANCED A ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 103 35.000 3
LU0115099839 JPM GLOBAL BALANCED D ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 103 300 3
LU0212925753 BGF GLOBAL ALLOCATION FUND A2 ACC EURH BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 3
Mixed Moderate EUR - Global
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0180678007 TREA CAJAMAR FLEXIBLE FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 4932 100 3
LU0070211940 JPM GLOBAL MACRO BALANCED A ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 103 35.000 3
LU0115711235 JPM GLOBAL MACRO BALANCED D ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 103 300 3
LU0776410689 SISF GLOBAL DIVERSIFIED GROWTH A ACC EUR Schroder Investment Management Luxembourg JP Morgan 135 1.000 3
LU0365262384 FF GLB MASSET TACTICAL MODERATE A EURH FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 3
Variable Income Spain
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0180666002 TREA CAJAMAR RENTA VARIABLE ESPAÑA FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 4928 100 4
LU0995386439 EDM SPANISH EQUITY R EUR ACC MDO Management Company RBC Investor Services Bank S.A. 66 0 4
LU0261948904 FF IBERIA FUND A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 4
Variable Income Europe Cap. Grande Blend
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0180642003 TREA CAJAMAR RENTA VARIABLE EUROPA, FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 4929 100 4
LU0229084990 BGF EUROPEAN FOCUS A2 ACC EUR BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 4
LU0210530746 JPM EUROPE EQUITY FUND A ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 35.000 4
LU0117858596 JPM EUROPE EQUITY FUND D ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 300 4
LU0106236937 SCHRODER ISF EUROPEAN LARGE CAP A AC EUR Schroder Investment Management Luxembourg JP Morgan 135 1.000 4
Global Income Europe Cap. Grande Blend
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
ES0180551006 TREA CAJAMAR RV INTERNACIONAL FI TREA ASSET MANAGEMENT SGIIC, S.A. CECABANK, S.A. 4930 100 5
LU0880975056 BGF GLOBAL EQUITY INCOME A2 ACC EUR BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 5
LU1366332952 FF GLOBAL FOCUS FUND A ACC EUR HDG FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 5
LU0323591833 SCHRODER ISF QEP GLB QUALITY A ACC EUR Schroder Investment Management Luxembourg JP Morgan 135 1.000 5
Other categories
ISIN Description Mangagement entity Depository entity CNMV registration number Minimum Investment Appropriateness Risk Profile (1-5)
Global Flexible Fixed Income
LU0469576366 JPM GLOBAL CREDIT BOND A ACC EURH JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 35.000 3
LU0469576879 JPM GLOBAL CREDIT BOND D ACC EURH JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 5.000 3
LU0278453476 BGF FIXED INCOME GLOBAL OPP A2 ACC EURH BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 3
Emerging Fixed Income
LU0413376566 BGF EMERGING MARKETS BOND A2 ACC EUR H BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 3
LU0210532528 JPM EMERGING MARK DEBT HDG A ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 35.000 3
LU0117898204 JPM EMERGING MARKETS DEBT D ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 300 3
Global Emerging Variable Income Large Cap
LU1048684796 FF EMERGING MARKETS FUND A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 5
LU0217576759 JPM EMERGING MARKETS EQUITY A ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 35.000 5
LU0217576833 JPM EMERGING MARKETS EQUITY D ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 300 5
US Variable Income Large Cap
LU0251127410 FF AMERICA FUND A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 4
LU0388590050 EDM AMERICAN GROWTH B EUR MDO Management Company RBC Investor Services Bank S.A. 66 0 4
Asia Ex Japan Variable Income Large Cap
LU0248184466 SCHRODER ISF ASIAN OPPORTUNIT A ACC EUR Schroder Investment Management Luxembourg JP Morgan 135 1.000 5
LU0413542167 FF ASIAN SPECIAL SITUATIONS A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 5
Variable Income Health Sector
LU0171307068 BGF WORLD HEALTHSCIENCE A2 ACC EUR BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 4
Variable Income Ecology Sector
LU0306804302 SCHRODER ISF GLB CLIMATE CHG EQ A AC EUR Schroder Investment Management Luxembourg JP Morgan 135 1.000 4
Variable Income Finance Sector
LU0171304719 BGF WORLD FINANCIALS A2 ACC EUR BlackRock (Luxembourg) S.A. The Bank of New York Mellon (International) Limited, Luxembourg Branch 140 5.000 4
Variable Income Technology Sector
LU1213836080 FF GLOBAL TECHNOLOGY A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 5
Variable Income Telecommunications Sector
LU0261951957 FF GLOBAL TELECOMMUNICATIONS A ACC EUR FIL Investment Management (Luxembourg) S.A. Brown Brothers Harriman (Luxembourg) S.C.A. 124 2.500 5
Variable Income Commodities Sector
LU0208853274 JPM GLOBAL NATURAL RESOURCES A ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 35.000 5
LU0208853944 JPM GLOBAL NATURAL RESOURCES D ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25 300 5
Socially Responsible Investment
LU1529808336 JPM EUROPE SUSTAINABLE EQUITY A ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25
LU1529809144 JPM EUROPE SUSTAINABLE EQUITY D ACC EUR JPMorgan Asset Management (Europe) S.à.r.l. J.P. Morgan Bank Luxembourg S.A. 25
LU1435395634 BSF SUSTAINABLE EURO A2 ACC EUR BlackRock (Luxembourg) S.A. State Street Bank Luxembourg S.C.A. 626 5.000 2

2. Advance: Complete information about the fund in our advanced search

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Find out where to invest by searching by: fund name, ISIN code, CII type: national and international funds, management firm, type of investment and category, risk category, rating, returns, fees and many other characteristics.

We provide you with all the characteristics of each fund, its returns, and legal information. In addition to all the relevant information you should know prior to investing.


With our investment funds managed by leading firms, your savings will be in the best hands

3. Compare: We help you decide with our comparison facility

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We have all the tools you need to define your investment strategy successfully. Use our Broker to check our fund comparison service and help you decide which investment fund best suits your needs.

If you have Electronic Banking and a Financial Markets account, log into our

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If you don't have a Financial Markets account, sign up for one

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4. Trade: With rates to suit your trading volume

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Reaching the market quickly and with fees adjusted to your operations can set you apart from other investors.

Find out more about our rates for the main financial instruments in the world.

transparentes

Transparent

adaptados

Adapted to your number of operations

competitivos

Competitive


What do you need to know when investing?

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An investment fund is an asset made up of the sum of the monetary contributions made by a variable number of people (known as fund holders), which invest in diverse financial instruments (such as bonds, shares, derivatives, currencies...)

  • Participations: This is the unit of investment of a fund.
  • Management Firm: This firm makes investment decisions and manages and represents the fund.
  • Custodian: This firm safeguards the securities and cash that make up the fund assets.
  • Net Asset Value: This is the market price or value of each participation, which varies according to the performance of the securities that make up the fund assets, and it is calculated daily by dividing the total assets by the number of participations in circulation at that time.
  • Returns: these are calculated as the percentage by which the net asset value varies between the purchase date (subscription) and the redemption rate (sale), and they can be positive or negative, depending on the performance of the net asset value.
  • Fees: in return for professional investment management, fund holders pay fees, which are charged directly to the fund (deducted from the net asset value of the fund). These include management and deposit fees. Some funds also charge fees for subscription and/or the redemption of participations.
  • Taxation: Tax is not payable until the participations are redeemed.
  • For private individual residents, tax is not charged when switching investment funds, only when redeeming participations, charged on any capital gains obtained, attributed as capital gains or losses in the taxable savings base, which means that gains can be offset by losses.
  • Benchmark: This is the reference index that measures the market in which an investment funds invests. The majority of funds have one benchmark against which they measure their returns.
  • A quartile: All funds trading on the same market are divided into four equal parts according to their returns. The best-performing funds are in the first quartile, and the worst-performing ones are in the fourth quartile.
  • VaR (Value at Risk): This is a risk measurement for a fund or portfolio of funds. It indicates the maximum loss your investment can make in a given period, with a level of confidence. It is calculated using statistical data of past performance.
  • The Sharpe ratio: This measures the ratio between the Returns and Past Volatility of an Investment Fund. It is calculated by dividing the returns of a fund minus the risk-free interest rate by the volatility or standard deviation of those returns during the same period. The greater this ratio, the better the fund returns in relation to the investment risk.

Investment funds operation:

  • Subscription (purchase) of participations.
  • Redemption (sale) of participations.
  • Transfers between different funds (redemption of an investment fund and immediate subscription to another). Watch out for funds that charge a fee for redemption and/or subscription.

You can carry out these operations through your branch or from the comfort of wherever you are, through phone banking (with the exception of subscription) or electronic banking through your online broker.

Before investing:

  • Current situation: Analyse your current financial situation to know how much capital you have. (With our funds, you can invest from as little as €100)
  • Investment aim: Know the aim of your investment (save for the future, retirement, children's education...)
  • Time horizon or duration of the investment: The timeframe during which you can or wish to invest your money.
  • Risk profile: You must define your investor profile, in other words, the risk you are able and willing to take (conservative, moderate, aggressive) and the estimated returns you wish to obtain. (Remember, the greater the risk, the greater the potential returns as a general rule, but also the greater the chance of making a loss.)

To determine which fund best meets your needs, it is important to read the fund prospectus or key investor information document (KIID), which contains all the relevant information for each fund (level of risk, expenses, minimum amount, investment policy...) 

When to invest.

  • Gain a good understanding of the product you are investing in: fees, terms, possible returns and associated risks.

After investing:

  • Monitor your investment. Control possible losses, returns, expiration periods, etc. Or the right time to liquidate those assets

You can find out all the information you need using our Fund Search (in Spanish).

Depending on their investment policy, there are different types of funds available:

  • Fixed Income Funds: these invest the majority of the fund's assets in fixed income instruments, such as bonds, debentures, letters and promissory notes.
  • Variable Income Funds: these invest the majority of the fund's assets in company shares.
  • Mixed Funds: these invest part of the fund's assets in fixed income assets and part in variable income assets.
  • Global funds: these have the freedom not to fix in advance the percentages they will invest in fixed income or variable income assets, the currency in which the assets in which they invest are denominated, or the geographic spread of the investment.
  • Guaranteed funds: they guarantee, on a certain date, known as the guarantee maturity date, the value of the initial investment plus fixed or variable returns. These funds offer peculiar characteristics that should be known and understood before subscribing to them.
  • Investments do not have to be large; check the minimum amount for each fund.
  • Managed by prestigious investment firms.
  • The market is regulated and supervised by the CNMV.
  • Portfolio diversification: although our investment might be small, it is diversified in different assets.
  • You can access markets that individuals cannot invest in for themselves.
  • Tax advantages: For private individual residents, tax is not charged when switching investment funds, only when redeeming participations, charged on any capital gains obtained, attributed as capital gains or losses in the taxable savings base, which means that gains can be offset by losses.
  • Daily fund valuation.
  • Transparency:  Periodic information regarding the investment performance. Find out on our webpage and through our search facility (in Spanish).

What should you keep in mind?

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Taxation

At different stages in your life, financial availability might lead you to change funds. Not to worry; you can transfer your investment from one fund to another without paying tax on it.

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Diversification

Different funds offered for different investor profiles.

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Accessibility

Investment funds offer access to markets that you would not be able to access individually.


View the fund brochure and the Key Investor Information Documents (KIIDs) through the online broker at www.grupocooperativocajamar.es or at any of our branches. You can also check the brochures for all the funds with the CNMV.