SuperDuet

Benefits

If you want to significantly multiply your savings go for our offer. Now SuperDuet - combining the key advantages of a term deposit and a mutual fund - brings you even more benefits. The more attractive offer gives you greater flexibility in managing your funds and increasing yields.

What is the SuperDuet Deposit investment all about?

Part of the money is invested in a term deposit, the remainder is placed in one of the Millennium mutual funds.

Now it's your decision:

• how long will the deposit be: 3, 6 or 12 months,
• in which of the  Millennium mutual funds will your money be invested: FIO Dynamic Subfund,  FIO Equity Subfund, FIO Balanced Subfund, FIO Stable Growth Subfund, FIO Deposit Subfund
• how much you want to invest. Total minimum investment amount is only PLN 2000!
  

The deposit:

• attractive fixed interest rate of the deposit up to even 7%
• security guaranteed by the fixed interest rate, which gives certainty of yield regardless of changes of market interest rates.

The mutual fund:

• possibility of gaining above-average returns in the long term,
• possibility of withdrawing the funds without losing the accrued returns.

Which fund to chose?

Choose one of the funds depending on the expected yield, planned duration of the investment and tolerance of stock price volatility.
 

Millennium Funds in SuperDuet

Description of funds proposed in the SuperDuet offer:

Millennium FIO Dynamic Subfund
The Subfund may invest up to 100% of its assets in shares of small and medium companies, wherein the share of the shares in the Subfund's portfolio cannot be lower than 65%. These companies have WIG share lower then 2%. Capitalisation of stock market lower than EUR 1 bn is used for companies from other indexes or stock exchange. The remaining means are invested by the subfund in other financial instruments, in particular in other equities, treasuary securities issued by the State Treasury or issuers of high creditworthiness. The subfund is recommended for persons who expect high rate of return at higher level of risk. It is aimed at these Customers who plan their investment for a period of several years, therefore periodical fluctuation of prices of Participation Units do not create substantial risk.

Millennium FIO Equity Subfund

The Subfund may invest up to 100% of its assets in stocks, wherein the share of stocks in the Subfund's portfolio cannot be lower than 65%.  The remaining means are invested by the fund in other financial instruments, in particular in treasury securities issued by the State Treasury or issuers of high creditworthiness. The subfund is recommended for persons who expect high rate of return at higher level of risk. It is aimed at these Customers who plan their investment for a period of several years, therefore periodical fluctuation of prices of Participation Units do not create substantial risk.

Millennium FIO Balanced Subfund
The Subfund may invest up to 70% (however no less than 30%) of its portfolio in stocks. The remaining means are invested by the subfund in other financial instruments, in particular in treasury securities issued by the State Treasury or issuers of high creditworthiness. The subfund is recommended for persons who expect higher returns with moderate investment risk. We recommend it to persons who intend to invest money with long-term and medium-term perspective. Recommended period of investment: more than 2 years.

Millennium FIO Stable Growth Subfund

The Subfund invests means in treasury securities issued by the State Treasury or issuers of high creditworthiness (at least 55% of the means) and in stocks issued by companies whose financial situation is stable (10% - 40%). The subfund is recommended for persons, companies with legal personality and entities with no legal personality who are interested in investment products, portfolios of whom include much more bonds than stocks. It is recommended for these customers who are interested in medium-term and long-term saving.

Debt Securities Subfund - ensures stable growth of the value of entrusted assets at a a minimum level of risk. The subfund invests the collected assets in debt securities, mainly in bonds issued by the Polish State Treasury and other entities with high credit rating.

Millennium FIO Deposit Subfund

Subfund protects the real value of assets collected by the Subfund at a minimum level of risk. The Subfund's assets are invested mainly in financial instruments with up to one-year maturity (e.g. treasury bills issued by the Polish State Treasury or other entities with high credit rating).

The individual net rate of return of a Fund participant depends on the date of sale and date of redemption of participation units and the payment of handling charges as well as deducted capital gains tax. Information about the Fund , including a description of risk factors, is contained in the prospectus and it's brief, which are available together with the Fund's fees table in branches  of Bank Millennium S.A.,  the seat of Millennium TFI S.A., at ul. Stanisława Żaryna 2A in Warsaw as well as online at www.millenniumtfi.pl. The Fund may also invest above 35% of the value of its assets in securities, whose issuer, surety or guarantor are: State Treasury, NBP, a Polish local authority, an EU Member State, a local authority of an EU Member State, an OECD Member State or an international financial institution, of which Poland is a member or at least is one EU Member State.

Investing in the Fund involves the risk of a loss. The Fund does not guarantee attainment of the investment objectives or a specific investment result. Due to the composition of the investment portfolio the value of net assets of the Fund as well as the value of its participation units is subject to high volatility.