About the product

DuetPlus can be set up starting from PLN 2000, investing the money as follows:

  • 50% of the money goes to a generously priced 3- or 6-month deposit,
  • 50% of the money is invested in a selected Millennium SFIO subfund.

Additional information about DuetPlus:

  • Choose between 5 Millennium TFI Subfunds with various investment strategies available under Millennium SFIO fund.
  • B-category participation units available. 
  • Participation units can be exchanged an unlimited number of times in Millennium SFIO fund.
  • If an order is placed for repurchase of Subfund participation units acquired under DuetPlus, a handling fee may be collected in keeping with the valid Table of Handling Fees of Millennium Funds
  • If complete or partial redemption of participation units acquired under DuetPlus is made before the date of maturity of the associated term deposit, the interest rate on the part constituting the deposit shall be reduced to 0.01% on the entire duration of the deposit.

See more information about Millennium TFI funds

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Interest rate

The term deposit part

DepositInterest rate
3-month deposit1.00% per annum
6-month deposit1.00% per annum

Millennium SFIO subfunds available in DuetPlus:

Quotations of mutual funds managed by Millennium TFI


Handling fees involved with DuetPlus:

  • If an order is placed for repurchase of Subfund participation units acquired under DuetPlus, a handling fee may be collected depending on the period of the investment.
  • Fees involved with an investment in Millennium funds are stipulated in the valid Table of Millennium Funds Handling Fees..


Financial transactions involve risk presented in “Description of Risk Involved with Financial Instruments and Products for Private Persons in Bank Millennium S.A.", available in branches and on the Bank’s website www.bankmillennium.pl.

Investing in funds involves risk of a loss as well as the obligation to pay handling fees and income tax. The Fund does not guarantee attainment of the investment goal or a specific investment result. The net value of funds’ assets is highly volatile due to the composition of the investment portfolio. The issuer, surety or guarantor of securities, which make up more than 35% of assets of Millennium Funds (except Millennium SFIO) may be the State Treasury, NBP, US government, European Central Bank or the European Investment Bank.

  • What is a mutual fund

    Mutual Fund – is an entity with legal personality operating under the Act of 27 May 2004 on mutual funds. A mutual fund’s sole business is to invest monies collected publicly or privately in securities and other property rights stipulated in the Act.

    In exchange for money paid into the fund the investors receive participation units. Their number reflects the proportional share of a participant in the mutual fund’s assets. With a pre-defined frequency the mutual funds determines the value of participation units i.e. calculates fund assets net value per participation unit. For this purpose the fund valuates the investment portfolio and then divides the amount by the number of participation units due to all participants. The value of a participation unit may change during each valuation day.

  • Following risks are involved with an investment in mutual funds

    • Sector risk,
    • Credit risk,
    • Risk of short-term price changes,
    • FX risk,
    • Risk of non-admission of the issuer’s securities to trading on the regulated market,
    • Liquidity risk,
    • Tax risk,
    • Legal risk,
    • Settlement risk,
    • Market risk,
    • Interest rate risk,
    • Loss-of-capital risk,
    • Risk involved with concentration of assets or markets,
    • Amount of fees,
    • Product complexity.

    Prior to making an investment the information about funds should be read, including financial data and description of risk factors, which are  contained in Prospectuses and in Key Information for Investors (KII), available together with the Funds’ fees table in Bank Millennium branches, in the offices of Millennium TFI SA as well as online at www.millenniumtfi.pl.

    Conclusion by the customer of transactions involving financial instruments is the basis for consideration that the customer has read the terms and conditions of the transaction as well as the related risk and has accepted them.

  • Information about BFG protection

    Funds deposited on accounts in the Bank, the total value of which funds does not exceed the equivalent of EUR 100,000, irrespective of the number of accounts held in the Bank, are protected by Banking Guarantee Fund, in keeping with the Act of 10 June 2016 on Banking Guarantee Fund, system of protection of deposits and compulsory restructuring (Journal of Laws2016.996). Eligible for protection are deposits and receivables of entities indicated in art. 20 of the a/m Act. Meanwhile funds invested in Millennium TFI mutual funds are not protected by Banking Guarantee Fund.

  • Other important information

    All and any information contained in this COMMERCIAL PUBLICATION is for information purposes only and does not constitute an offer, or a recommendation or an invitation addressed to anyone (or any group of persons whatsoever) to conclude a transaction involving the financial instruments presented herein. In particular the information contained in this publication does not constitute an offer in the meaning of the Civil Code of 23rd April 1964 nor is it a service of investment, financial, tax, legal or any other advice. Any investment decision should be taken on the basis of information contained in Prospectuses and in Key Information for Investors (KII), not on the basis of the abbreviated description contained herein.

    Dissemination, distribution and trading of some financial products may be subject to restrictions with respect to certain persons and countries, in keeping with relevant legislation. It is for the customer to demonstrate legal capacity and authority to invest in the financial instrument. Offering and trading of financial instruments may be done only in compliance with relevant legal regulations.

    Information contained in this publication shall be made available to the recipient on an exclusive basis. The recipient is not authorised to copy or send and make the information available in whole or in part in any other way to third parties (except its sending to professional advisors) without the Bank’s prior written consent.

Markets in Financial Instruments Directive

What is MiFID?

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Client classification

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Appropriateness assessment

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Risk description

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Conflict of interests

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Look here for all documents about MiFID in Bank Millennium.