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Combine saving with investment

- if you want to make e.g. a 5000 PLN payment - you put half of the funds (2500 PLN) into a 3-month deposit with 1.5% p.a. and invest the rest in Millennium Investment Programme
- choose your investment plan: Stable, Moderate or Dynamic
- after 3 months you receive funds from the deposit, increased by accrued interest; your investment is continued in Millennium Investment Programme, giving you a chance for more
- you always have access to your money, i.e. you can reach it at any time (withdrawing the deposit results in the loss of interest; withdrawal of funds from the investment within 24 months from opening involves handling fees)
Programme details and fees
More information on benefits, restrictions and risks involved with selling a suite of products (cross-selling) can be found on MiFID subpage in Cross-selling section.
Check three ready-made Plans of Millennium Investment Programme
How to start investing?
Meet with us. You'll receive the necessary information and open the Millennium Investment Program in Duet in any Bank Millennium's branch.
Details and fees Millennium Investment Programme
- Programme investment time
You don't have to define how long you want to invest. After 5 years from the first payment the subfunds making up the Plan will change into separated sub-funds.
The investment period is the period from the date of execution of the order to purchase individual sub-fund participation units under the programme to the date of execution of the order to buy back these units.
Discover our Plans

Stable Plan is a solution for people who accept a low risk level of losing capital and a low profit potential. The Plan consists of three Millennium TFI subfunds:
- 50% Millennium Classic Bond FIO
Invests in e.g. treasury bonds and corporate bonds with high creditworthiness - 30% Millennium Debt Instruments FIO
Invests mainly in Polish and foreign treasury bonds - 20% Millennium Corporate Bond SFIO
Invests in corporate bonds also through global investment funds
Moderate Plan are sub-funds that allow for higher profits than on a standard deposit. For people accepting a moderate level of risk of capital loss and periodic fluctuations in the value of investments. It consists of three subfunds of Millennium TFI:
- 45% Millennium Global Equity SFIO
Invests in small and large company shares from all over the world - 35% Millennium Debt Instruments FIO
Invests mainly in Polish and foreign treasury bonds - 20% Millennium Classic Bond FIO
Invests in e.g. treasury bonds, corporate bonds with high creditworthiness


Dynamic Plan is an option with a high profit potential, but also associated with a high risk. The Plan includes Millennium TFI sub-funds with a high level of risk of losing some or all of their capital:
- 60% Millennium Global Equity SFIO
Invests in small and large company shares from all over the world - 25% Millennium Dynamic FIO
Invests in smaller and innovative Polish company shares - 15% Millennium Equity FIO
Invests mainly in large and well-known Polish company shares
What is worth knowing?
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Earlier withdrawal of funds
You always have an access to your funds. Remember that withdrawing a deposit results in the loss of interest. Any withdrawal of funds from the investment within 24 months from opening involves handling fees.
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Plan change during ongoing investment
Selected plan is assigned to your programme. In order to change the investment strategy, you have to withdraw the funds and open new Millennium Investment Programme.
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Increasing your investment
You can always make another payment into your plan in investing programme. Remember that the deposit is made for specific amount of money and specific period so you cannot add additional funds to it.
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Opening more than one Duet
You can open multiple products. Your funds will be divided into deposit and investing parts.
- Table of handling fees - in Polish
- Price Table - Interest Rates
- Stable Plan's Fact Sheet - in Polish
- Moderate Plan's Fact Sheet - in Polish
- Dynamic Plan's Fact Sheet - in Polish
- Millennium Investment Programme Regulations - in Polish
- Information sheet for depositors (in Polish)
- Program Inwestycyjny Millennium w Duecie regulations (in Polish)
- Classic Bond Subfund - key information for investors - in Polish
- Debt Instruments Subfund - key information for investors - in Polish
- Corporate Bond Subfund - key information for investors - in Polish
- Equity Subfunds - key information for investors - in Polish
- Dynamic Subfunds - key information for investors - in Polish
- Global Equity Subfunds - key information for investors - in Polish
- Millennium FIO Prospectus - in Polish
- Millennium SFIO Prospectus - in Polish
- Millennium SFIO AFI Information - in Polish
- Program Inwestycyjny Millennium w duecie - połączenie oszczędnościowej lokaty terminowej z Programem Inwestycyjnym Millennium
Important documents
- Millennium Investment Programme Regulations - in Polish
- Information sheet for depositors (in Polish)
- Program Inwestycyjny Millennium w Duecie regulations (in Polish)
- Subfundusz Instrumentów Dłużnych – Kluczowe Informacje dla Inwestorów
- Subfundusz Obligacji Korporacyjnych – Kluczowe Informacje dla Inwestorów
- Subfundusz Akcji – Kluczowe Informacje dla Inwestorów
- Subfundusz Globalny Akcji – Kluczowe Informacje dla Inwestorów
- Prospekt Informacyjny Millennium FIO
- Prospekt Informacyjny Millennium SFIO
- Informacja AFI Millennium SFIO
- Program Inwestycyjny Millennium w duecie - połączenie oszczędnościowej lokaty terminowej z Programem Inwestycyjnym Millennium
FAQ
- How to start investing in Bank Millennium?
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In order to get access to investment products in Bank Millennium, you have to complete a questionnaire (appropriateness assessment) and sign Framework Agreement on provision of financial services and the agreement for access to services via electronic banking channels. Thanks to your answers given in the questionnaire we check your knowledge and investment experience and assess whether the selected investment product is adequate for you and compatible with your needs, traits and goals.
You can fill the questionnaire and sign the agreement in Millenet, mobile app or any Bank Millennium's branch.
- What Millennium Investing Programme in Duet is?
-
It's a product which combines saving and investing in one. You put a half of the funds into a 3-month term deposit with fixed interest rate 1.5% p.a. and invest the rest in one of Millennium Investment Program's plan: Stable, Moderate, Dynamic.
- Am I allowed to withdraw the funds at any time?
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Of course. You can always withdraw funds earlier - both from deposit and investment part. In case of deposit withdrawal before its completion date, the interest will not be accrued. If you withdraw funds from investment part before 12 months - we'll charge a redemption fee of 1% of the redemption amount, in period 12-24 month - we'll charge a redemption fee of 0.05% of the redemption amount. After 24 months from opening you can withdraw funds without fee.
- What amount of money I need to open Millennium Investment Programme in Duet?
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You can open it starting with 2000 PLN (1000 PLN goes to deposit, 1000 PLN goes to Millennium Investment Programme).
- How many products can I open?
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No limit. You can open any number of products.
- What are my funds invested in under the Millennium Investment Programme?
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Millennium Investment Programme consists of three ready to purchase investment plans (Stable, Moderate and Dynamic) which differ from each other in risk and reward profiles. Each of them offer funds diversification, i.e. simultaneous investment in 3 selected subfunds of Millennium TFI. Thanks to this, you limit the risk of investment, spreading it on various investment strategies, and you benefit from the potential of global markets at the same time.
You decide which plan meets your investment expectations.
Through the Millennium TFI investment funds you have the opportunity to invest in capital market instruments. Depending on the plan, these will be shares of Polish and global company shares, treasury or corporate bonds.
More details of each plan investment strategy and particular investment funds can be found in Plan's Fact Sheet and KIID documents.
Important information
- Risks
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.pllink opens in a new window.
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. In cases, in which the Fund’s Articles of Association provide for the possibility of investing more than 35% of a Subfund’s assets in securities - the issuer, surety or guarantor of these securities may only be the State Treasury, NBP, US government, European Central Bank or the European Investment Bank.
Individual Plans available under the Millennium Investment Programme may not be consistent with your knowledge, experience, financial situation, risk tolerance or investment objectives.
At the product selection stage, taking into account the answers provided in the investment survey, we always provide information whether the product is compatible with your features, goals and needs. In the event of non-compliance or incomplete compliance of the product with your characteristics, goals and needs, we will give you an appropriate information, and the purchase can only be made based on your initiative.
Investment Fund – is an entity with legal personality operating under the Act of 27 May 2004 on investment funds and management of alternative investment funds. An investment fund’s sole operation consists in investing funds collected publicly or privately in securities, money market instruments, and other property rights stipulated in the Act.
In return for payments into the fund investors receive participation units. Their number shows proportional share held by the investor in the investment fund assets. In specified time intervals the fund determines the value of participation units i.e. calculates „net value of fund's assets" assigned to a single participation unit. For this purpose, the fund determines the value of its investment portfolio and divides it by the number of participation units allocated to all participants. The value of participation unit may change on each valuation day.
The following risks are associated with investing 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 (KIID), available together with the Funds’ fees table in Bank Millennium branches, in the offices of Millennium TFI as well as online at link opens in a new window.
Funds deposited on term deposit in the Bank, the total value of which does not exceed the equivalent of 100,000 EUR, 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 Laws 2016.996 as amended). Eligible for protection are deposits and receivables of entities indicated in art. 20 of the a/m Act.
Funds invested in investment funds are not protected by the Banking Guarantee Fund, in keeping with the Act of 10 June 2016 on Banking Guarantee Fund, system of protection of deposits and compulsory restructuring.
All and any information contained in this commercial publications 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 23 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 (KIID), 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. Offering and trading of financial instruments may be done only in compliance with relevant legal regulations.
MiFID
- Markets in Financial Instruments Directive
MiFID (Markets in Financial Instruments Directive) is the European Directive concerning the market of financial instruments and products, which sets down a uniform legal framework for banks, brokerage houses as well as other brokerage operators in the European Union as well as in Iceland, Norway and Lichtenstein.
The MiFID Directive aims to enhance and harmonise Client protection in banks, increasing consistency and transparency of the operation of banks as well as increasing competitiveness on the financial instruments market.
- Look here to find basic information about MiFID. More
- Read about Client classification rules and the Bank's obligations. More
- We will check, which financial instruments and products and investment services are appropriate for you. More
- Read about the nature of financial instruments and products and related risks. More
- We operate in a reliable way and in the Clients' best interest. More
- Look here for all documents about MiFID in Bank Millennium. More
Contact us
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