Program Inwestycyjny Przyszłość +

About the Investment Programme

Przyszłość + Investment Programme is an innovative financial solution for all people who want to secure the best possible future for themselves and their family.

The programme permits saving regularly and investing the accumulated money on global capital markets.

Offer

Choose a minimum 2 out of 6 Millennium SOIF subfunds.

If you don’t know which subfund to choose, read the Fund card taking special notice of gain potential and investment risk level.

Investing in funds involves risk of loss as well as the obligation to pay fees and tax. The Fund does not guarantee the investment objective or specific investment result. The value of net assets of Millennium Funds is or may be characterised by high volatility due to the composition of investment portfolios. The issuer, the guarantor or the guarantor of securities representing more than 35% of the assets of Millennium Funds (excluding the Millennium SOIF) may be the Treasury, National Bank of Poland, the U.S. government, the European Central Bank or the European Investment Bank.

The indicated rates of return of funds are based on historical data and do not constitute a guarantee of attaining similar results in the future. An individual net rate of return of a fund participant depends on the date of sale and repurchase of participation units as well as administrative fees and income tax paid.

Prior to making this investment one should carefully read information about the funds, including financial data and description of risk factors, which are contained in the prospectuses and Key Information for Investors (KII), available together with the funds’ schedule of fees in branches of Bank Millennium, in the offices of Millennium TFI SA and on the website http://www.millenniumtfi.pl.

Amounts invested in the product are not covered by the guarantee system BFG.

Source: Analizy Online S.A. and Transfer Agents cooperating with the Bank.

Calculator

Fees

Fees charged for redemptions
  During first 5 years from start date After 5 years from start date
First redemption from the Programme constituting no more than 10% of accumulated assets 0 PLN 0 PLN
First redemption from the Programme constituting more than 10% of accumulated assets 1%
Every next redemption, irrespective of value
First redemption from the Programme constituting no more than 10% of accumulated assets
During first 5 years from start date 0 PLN
After 5 years from start date 0 PLN
First redemption from the Programme constituting more than 10% of accumulated assets
During first 5 years from start date 1%
After 5 years from start date 0 PLN
Every next redemption, irrespective of value
During first 5 years from start date 1%
After 5 years from start date 0 PLN

How to open

You can open Przyszłość + Investment Programme in a few easy steps online

We have designed a simple and intuitive process that will allow you to learn the basics of investing, and to buy tailored products at the comfort of your home.

  • 1 Log in to Millenet, sign required documents and activate online access.
  • 2 Choose your investment strategy. You can create your own programme or customize one of the pre-existing options – completely online.
  • 3 Manage your investments online. Add, remove and change funds depending on your needs at the comfort of your home
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Take advantage of Bank Millennium investment products. It’s easy and comfortable - see for yourself!

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Documents

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.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 an investment fund

    lnvestment Fund – is an entity with legal personality operating under the Act of 27 May 2004 on investment funds. An investment 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 investment fund’s assets. With a pre-defined frequency the investment 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.


  • The following risks are involved with an investment in investment 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.


  • Information about BFG protection

    An investment in Program Inwestycyjny Przyszłość + is not protected by Bank Guarantee Fund, in keeping with the Act on Bank Guarantee Fund, Deposit Guarantee Scheme and Resolution dated 10 June 2016.


  • Other important information

    Any and all information contained in this COMMERCIAL PUBLICATION is purely of information nature and constitutes neither an offering in the meaning of the Act of 23 April 1964 Civil Code, nor an invitation addressed to anyone (or any group of people) to conclude transactions on financial instruments presented in it. In particular the information is not 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, Program Inwestycyjny Przyszłość + as well as Key Information for Investors (KII), and not 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

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 financial instruments and products and investment 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.

Documents

Look here for all documents about MiFID in Bank Millennium.