Financial planning

Anyone wants to have enough money for the necessities of a comfortable life, but also for achieving some higher goals, wishes, or aspirations – education, travel, gifts, money for retirement, health insurance, etc. To materialize these goals, you need to plan your finances – it is not enough to live “from one day to the next.”

Why invest?

• You can achieve higher gains compared to saving money in bank deposits, despite the fluctuations of financial markets

• You consolidate your capital and you can achieve your long-term personal savings goals

• You protect your capital from the inflation rate or from the negative interest rates

Before you invest

Throughout life, each person's saving goals change. You can save money for a car, a home, an exotic vacation, children's education, or for retirement.

Before making an investment, start with an analysis of the current situation and answer the following questions yourself:

• What monthly expenses do I have? Make a list of all the expenses that can occur in a month: recurring ones (utility bills, food costs, housekeeping, insurance, etc.) and also allocate an amount for possible extraordinary expenses!
• How much can I save, month by month? What do I want to save for?
• Where do I want to be financially in 5, 10, 20 years? What goals do I aim to achieve and in what time frame?

See the evolution of funds

Who can invest?

Any individual of legal age who meets the eligibility criteria set out in the internal regulations of the Management Company regarding requirements and prudential measures derived from the applicable legal framework on anti-money laundering and counter-terrorism financing, international sanctions, taxation, and other legal and compliance requirements, including reputational criteria and restrictions applicable to certain jurisdictions.

You can invest in the open-end investment funds managed by us if you reside in one of the countries listed below:

Romania, Austria, Belgium, Bulgaria, Cyprus, the Czech Republic, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Italy, Lithuania, Luxembourg, Latvia, Malta, the Netherlands, Poland, Portugal, Sweden, Slovenia, Slovakia, Iceland, Liechtenstein, Norway, Turkey, the United Kingdom, the United States of America, Canada, Australia, New Zealand, the Republic of Moldova, Switzerland

At the same time, to become an investor, you must hold an identity document that is valid at the time of joining. Accepted identity documents are:

A. If you are a resident:

• Identity card
• Electronic ID card - electronic identity card
• Permanent residence card

B. If you are a non-resident:

• Identity card
• Passport
• Electronic ID card – Electronic identity card
• Blue Book
• Permanent residence card
• Temporary residence permit
• Permanent residence permit
• Long-term residence permit
• Residence card for family member
• Non-resident identity card
  
  

If you have residence in a country other than Romania, make sure you have and have communicated to us your TIN (tax identification number from your country of residence) and NIF (tax identification number issued by ANAF), for an uninterrupted experience.

Any legal entity registered or enrolled in one of the member states of the European Union and other countries belonging to the European Economic Area may invest in the investment funds managed by us.