Mutual funds | NKBM

Investments in mutual funds enable the achievement of potentially higher returns than with conventional savings products. In Nova KBM, you can access a wide range of KBM Infond, Raiffeisen Capital Management and BNP Paribas funds.

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MUTUAL FUNDS

Investments in mutual funds make it possible to achieve potentially higher returns than with conventional savings products. In Nova KBM, you can access a wide range of Sava Infond, Triglav Funds, Raiffeisen Capital Management, and BNP Paribas funds.

Monitor

Monitor the value of fund units on a daily basis:

MUTUAL FUNDS EXCHANGE RATES

Simple

The online bank Bank@Net and mobile bank mBanka@Net now also enable easy transactions with Sava Infond and Raiffeisen Capital Management (RCM) mutual funds.

For Triglav Funds, the online and mobile bank currently offers an overview of the balance and the purchase of existing funds.

What is a mutual fund?

A mutual fund represents the funds of investors, which are carefully invested in various securities in the management company (DZU).

shares,
bonds and
other financial instruments
from different world regions and industries.

The mutual fund's management rules define the fund's investment policy, which determines which securities and in what proportions can make up the fund's portfolio.

How to invest?

You invest in a mutual fund by buying units of the fund. The value of a unit of property (VEP) changes daily.

Monitor the value of fund units on our new website daily:

MUTUAL FUNDS EXCHANGE RATES

Profit and payouts

Mutual funds are not a banking service and do not provide guaranteed returns. The movement of VEP largely depends on the state of the securities market.

Investing in mutual funds does not represent a tie-up of funds, as is typical with bank deposits, so you can request the payment of all or part of the funds at any time.

How to transfer funds between funds?

Fund transfers between mutual funds:

of the umbrella fund INFOND are free and without immediate taxation. Capital gains are taxed only upon disbursement of funds from an individual fund to the investor's account.
RCM and BNP are very cost-effective.
of the umbrella fund TRIGLAV SKLADI is free and without immediate taxation. Capital gains are taxed only upon disbursement of funds from an individual fund to the investor's account.

GENERAL CHARACTERISTICS

The mutual fund represents the funds of investors, which are carefully invested in various securities in the management company (DZU), e.g. stocks, bonds and other financial instruments from different world regions and economic sectors.

The mutual fund has a defined investment policy in the mutual fund management rules, which determines which securities and in what proportions can make up the fund's portfolio - in most cases, the name of the fund already tells in which area or region, the fund deposits funds.

You invest in a mutual fund by buying units of the fund.

The value of a unit of mutual fund property changes daily . Every business day, the fund's net worth (NVF) is calculated based on the value of the securities in the fund's portfolio. ČVS is divided by the number of property units issued and thus the value of the property unit (VEP) is obtained. Fund unit values are published:

KBM Infond daily in all Slovenian dailies, on financial web portals and at this link ;
Raiffeisen Capital Management at this link ;
GNP at this link .

Fund transfers between mutual funds:

of the umbrella fund INFOND are free and without immediate taxation . Capital gains are taxed only upon disbursement of funds from an individual fund to the investor's account.

Mutual funds are not a banking service and do not provide guaranteed returns. The movement of the point value of an individual mutual fund largely depends on the state of the securities market.

Investing in mutual funds does not represent a tie-up of funds, as is typical with bank deposits, so you can request the payment of all or part of the funds at any time .

How to get mutual funds?

Nova KBM

If you need expert advice beforehand, book a consultation and we will help you find the best solution for you.

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You can also visit us at the nearest branch or post office *. (*Contract post offices are excluded.)

PRICE LIST OF REFUNDS AND COMMISSIONS
SAMPLE SUITABILITY AND APPROPRIATE QUESTIONNAIRES

 GENERAL INFORMATION

 WHAT DO YOU NEED?

LIMITATION OF LIABILITY

 GENERAL INFORMATION 

You can use different payment methods to save or invest funds in mutual funds:

individual or one-time payments,
monthly payments (an option of concluding a permanent loan/direct debit),
a combination of both options (you pay the larger amount once, but you also enter into a monthly recurring/direct debit).

We do not charge a fee when paying into Infund's mutual funds with a payment order at Nova KBM branches.

 WHAT DO YOU NEED? 

an extract from the court register, which is not older than three months,
tax number of the legal entity,
business account number,
personal document of the legal representative,
tax number of the legal representative,
a form with data on natural persons who have at least 25% of the management rights in the legal entity,
LEI (Legal Entity Identifier) code.

For more detailed information on the arrangement of contractual documentation of Legal Entities, we are available in the Department of Investment Banking and Custodial Services.

LIMITATION OF LIABILITY 

When investing in mutual funds, Nova KBM d.d. acts as an intermediary. An investment in a mutual fund is not the same as a bank deposit and is not included in the deposit guarantee system. When buying units of a mutual fund, the investor assumes the risk that when they are sold, he will get less than he invested in them.