Saving products of Millennium TFI

Investing long-term and regularly permits making full use of the periods of best climate on capital markets as well as minimising the effects of temporary fluctuations.

Wygodny Portfel Investment Programme

Wygodny Portfel Investment Programme is a solution for people who:

  • Want to grow their money and secure the future of themselves and their family,
  • Seek a solution, which provides access to the broad range of mutual funds of various managers under a single agreement,
  • Seek solutions, which will increase the quality of their life in the future.
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Investment deposits

  • 100% of capital protection on day of maturity of the deposit
  • Indirect access to the local and foreign FX, shares, commodities or goods markets
  • Interest rate depends on value of underlying instrument identified in Investment Deposit T&C, which may be i.a. currency, commodities, shares, market indices
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Any information contained in this publication is for information only and does not constitute an offer, recommendation or any invitation sent to anyone (or any group of people) to conclude a transaction on financial instruments presented in it. In particular, information contained in this publication does not constitute an offer within the meaning of the Civil Code Act dated 23 April 1964 and is not a service of investment, financial, tax, legal or any other advice.

The terms contained in this publication are for orientation. Any prices and/or specimen transactions are for illustration purposes only and do not constitute an offer of concluding a transaction on such terms or the indication that a transaction on these terms is feasible. Moreover, no calculations or results presented in this publication guarantee future profits. The actual terms of a transaction on financial instruments will be based on market terms established at the moment of its conclusion. Any available price quotations or analyses contained in this publication have been prepared on the basis of assumptions and parameters reflecting the assessment or choice made by the Bank. The Bank shall provide no guarantee of precision, completeness or reasonableness of such quotations or analyses.

The recipient of the information in this publication shall exclusively bear the risk of its using in particular with respect to investment decisions on its basis.

Financial transactions are connected with risk detailed in the „Description of the Risk Connected with Financial Instruments or Products at Bank Millennium S.A.", available from the Bank's outlets and website Anyone who purchases a financial instrument shall accept and bear liability under tax obligations resulting from binding regulations. In view of the above risks and circumstances the Bank's clients should have sufficient knowledge and experience to assess the nature of each financial transaction entertained by them and them associated risk. If in any doubt, clients should use the services of a tax, legal or investment advisor. The Bank shall communicate any additional information which will be validly asked for by the Client to enable him the assessment of the risks and nature of the transaction.

The Client's conclusion of a transaction on financial instruments constitutes grounds for recognition that the Client has familiarised himself with the terms of the transaction and associated risks and accepted them.

The dissemination and distribution of certain financial instruments and trading in them may be subject to certain limitations with respect to certain persons and states, in accordance with appropriate legislation. It is up to the client to demonstrate the legal capacity or rights to invest in a given financial instrument. Financial instruments can be offered and traded exclusively in compliance with the appropriate provisions of law.

The information in this publication shall be made available exclusively to its Recipient. The Recipient must not copy, reproduce nor communicate or make it available to third parties in any other way, in full or in part (except to his professional advisors) without the Bank's prior written consent.

Money invested in: Millennium Fundusz Inwestycyjny Otwarty, Millennium Specjalistyczny Fundusz Inwestycyjny Otwarty, Produkty Oszczędnościowe Millennium TFI, Program Inwestycyjny Wygodny Portfel is not protected by the statutory guarantee scheme of Bank Guarantee Fund. Money invested in investment deposits is protected by BFG in keeping with the Act of 10 June 2016 on the Bank Guarantee Fund, Deposit Guarantee Scheme and Resolution.

Markets in Financial Instruments Directive

What is MiFID?

Look here to find basic information about MiFID.

Client classification

Read about Client classification rules and the Bank's obligations.

Appropriateness assessment

We will check, which investment products and services are appropriate for you.

Risk description

Read about the nature of financial instruments and products and related risks.

Conflict of interests

We operate in a reliable way and in the Clients' best interest.


Look here for all documents about MiFID in Bank Millennium.