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This information is provided by BBVA Mediación, Operador de Banca-Seguros Vinculado, S.A..

BBVA Multi3stratégia Portfolios

A service that combines three strategies.

We monitor your investment to help you achieve your goals

  • We manage your investment.
  • We built a portfolio suitable for your profile and adapted to your personal needs and circumstances.
  • We adjust your investment to market behavior.

The step towards professional management of your investment

By opening a BBVA Multi3stratégia Portfolio, you are delegating management to a team of specialists who monitor the market and adjust the portfolio to your profile, with the goal of optimizing your investment.

With this joint investment service, we combine a portfolio made up of three PPR funds that invest in a selection of investment funds managed by leading international asset managers, with the support of the BBVA Quality Funds team, which analyzes, compares and recommends funds based on its robust fund selection methodology.

  • Diversification

    With a single BBVA Multi3stratégia Portfolio, you can distribute your investment across more than 40 assets.

  • Agile management

    We adapt your BBVA Multi3stratégia Portfolio to market changes.

  • Liquidity

    You will be able to access your money, including any accumulated capital gains or losses, within 48 to 72 hours.

  • Taxation

    You will only be taxed when you produce a full or partial refund of your BBVA Multi3stratégia Portfolio.

This is how the BBVA Multi3stratégia Portfolios work

  • Adapted to you. Before subscribing to a BBVA Multi3stratégia Portfolio, as this is a joint subscription service, you will take an eligibility assessment test that will allow you to choose the profile that best suits you based on the information you provide.
  • We build your portfolio. Based on your profile, you have access to a BBVA Multi3Strategy Portfolio composed of three PPR funds that, in turn, invest in assets with different risk levels, weighted according to the risk profile you have chosen.
  • We adjust your investment. Our team of professionals constantly adjusts your investment so that you can take advantage of market opportunities.

You can track your investment online, receive monthly updates, and have a manager available to answer any questions you may have.

Are you looking to invest through funds managed by leading industry firms?

Speak to us and discover how BBVA Multi3stratégia Portfolios, managed by experts, allow you to access funds from international asset managers through 3 PPR funds.

How is a BBVA Multi3strategia Portfolio structured?

It will consist of three PPR funds, whose investments are diversified across funds managed by internationally recognized asset managers.

  • PPR Fund with a Capital Strategy

    THE M3 Capital PPR has a conservative profile that aims to preserve savings.

  • PPR Fund with an Accumulation Strategy

    The M3 Acumulação PPR has a moderate risk profile and seeks dividend generation to provide recurring income.

  • PPR Fund with an Investment Strategy

    The M3 Investimento PPR has an aggressive profile that seeks assets with greater growth potential, taking on more risk.

Risks

  • Please note that the PPR funds in which your BBVA Multi3stratégia Portfolio invests are products that carry a certain level of risk. If the performance of the markets in which you invest does not go as expected, losses may occur, and you must be prepared to accept the financial risk arising from the performance of your portfolio. 

How does the portfolio fit your risk profile?

  • When we diversify your investment, we take into account the risk you can assume and limit your investment to the highest-risk fund, the M3 Investimento PPR with the Investment Strategy.

    • If your risk profile is low, we will invest up to 25% in the highest risk fund.
    • If your risk profile is medium, we will invest up to 45% in the highest risk fund.
    • If your risk profile is high, we will invest up to 65% in the highest risk fund.
    • If your risk profile is very high, we will invest up to 95% in the highest risk fund.

Costs and fees

  • Management fee

    • M3 Capital PPR: 0.25%.
    • M3 Acumulação PPR: 0.45%.
    • M3 Investimentos PPR: 0.65%.

    This fee includes the 0.05% deposit fee and is deducted from the unit value of each Fund.

  • Service provision fee

    • 0.65% per year for Low and Medium risk profiles (minimum €90).
    • 0.75% per year for High and Very High risk profiles (minimum €90).

    The fee is charged semi-annually.

  • Other costs

    • Stamp duty at the rate in force on the service fee.

Legal Notice

This communication is of an advertising nature and is issued by BBVA Mediación, Operador de Banca-Seguros Vinculado, S.A. (BBVA Mediación). BBVA Mediación, a company incorporated under Spanish law, with its registered office at Calle Azul, number 4, 28050 Madrid, and a representative office in Portugal at Avenida da Liberdade, number 222, Lisbon, tax registration number 980 638 364, registered with the Insurance and Pension Funds Supervisory Authority (ASF) under code OV-0060, as can be verified on its website, is the entity responsible for marketing individual subscriptions to BBVA’s Open-Ended Pension Funds, including Retirement Savings Plans (PPR), using for this purpose the distribution network of Banco Bilbao Vizcaya Argentaria S.A., Portuguese Branch. The management entity for the Open-Ended Pension Funds is BBVA Fundos – Sociedade Gestora de Fundos de Pensões, S.A., with its registered office at Avenida da Liberdade, number 222, in Lisbon, with the single registration and company number 502802014 at the Lisbon Commercial Registry, authorised for this purpose and subject to the supervision of the ASF, where it is registered under code 3816, as can be verified on its website. The Information Documents (ID) and Management Regulations are available at any BBVA branch, at www.bbvaassetmanagement.com/pt, www.bbva.pt and www.asf.com.pt.

This information does not constitute the provision of any advice, nor does it represent a recommendation for the purposes of the applicable legal framework. It also does not constitute legal, tax, or any other type of advice regarding any specific product.  You should still consult the pre-contractual and contractual information required by law relating to the BBVA Multi3stratégia Portfolios service; we recommend that you read this carefully if you are interested in taking out this service. The marketing of the BBVA Multi3straégia Portfolios service is handled by BBVA Mediación. The value of the units held varies in line with changes in the value of the assets comprising the pension savings plans’ assets, and there is no guarantee of capital or returns.

The reimbursement of PPRs is subject to the legally established conditions and can be made at any time, under the contractually established terms, with the tax consequences provided for in the Tax Benefits Statute. 

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