1.5% p.a. and a chance for more

Gain attractive interest rate – combine saving with investing

Legal note

Millennium Investment Program in Duet offers many benefits:

  • Minimum payment from 2000 PLN with 50/50 split (you put first half of the funds into a term deposit and invest second half in Millennium Investment Program)

  • Gain 1.5% p.a. on 3-month deposit

  • No fee for opening, payments and running the programme

How to get an attractive interest rate?

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

<b>Stable</b>

Stable

low profit potencial
low risk
Check details
<b>Moderate</b>

Moderate

moderate profit potential
reasonable risk
Check details
<b>Dynamic</b>

Dynamic

high profit potential
high risk
Check details

How to start investing?

Online application

Millennium Investment Program in Duet is available in the mobile app and Millenet

Start now

Choose the nearest branch

Find the branch

Details and fees Millennium Investment Programme

Programme fees
Handling fees on withdrawals
For opening 0 PLN
Withdrawal up to 12 months 1%
For maintenance 0 PLN
Withdrawal from 12 to 24 months 0,5%
For next payments 0 PLN
Withdrawal after 24 months 0%
Programme fees
For opening 0 PLN
For maintenance 0 PLN
For next payments 0 PLN
Handling fees on withdrawals
Withdrawal up to 12 months 1%
Withdrawal from 12 to 24 months 0,5%
Withdrawal after 24 months 0%
  • 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

You can choose from 3 ready-made plans managed by Millennium TFI experts

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?

  • 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.

  • 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.

  • 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.

  • Opening more than one Duet

    You can open multiple products. Your funds will be divided into deposit and investing parts.

Important documents

FAQ


  • 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.


  • 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.


  • 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.


  • You can open it starting with 2000 PLN (1000 PLN goes to deposit, 1000 PLN goes to Millennium Investment Programme).


  • No limit. You can open any number of products.


  • 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.


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