Investment Program Toddler

Is an innovative financial tool, which - depending on the selected option - for 5, 10 or 15 years allows accumulate the capital necessary for this to take care of education or other important needs of your child. Teach your child to save, in future, had no financial problems. PIM will certainly be for him an excellent sample of the possibilities offered by skillful investment. Then, when your child grow up, will know how to treat the money to bring profits. The program can create only a parent or legal representative. Payments can be made by each member of the family, but also third parties. Any payment of capital increases your child's future.

Category A participation units are available in Investment Program Toddler.

Define the amount of the payment

You can also decide about the amount of payment to the Program. The minimum single payment it's only PLN 100, with the first payment is always a factor of three of the declared amount.

  • Money for the program may also pay other family members which makes the capital accumulated in the Program can enlarge rapidly.
  • You can choose more than one sub-fund. In this case, the minimum deposit to each of them is PLN 100.
  • Standing order from your bank account will make that you will not have to remember to monthly payments to the PIM.
  • Payments to the Program may be made systematically, in several installments, or even once.

Determine the duration of the Programme

  • You have three periods of saving. You can raise capital by 15, 10 or 5 years. If you have an older child, a better solution may be shorter and more intensive investment. if younger - you can save more and smaller amounts.
  • Costs of participation in PIM are downloaded in full from the first payment. Their height is the table in the Program Regulations. Each subsequent payment shall not entail additional costs.
  • During a free program you can repeatedly change the allocation of funds to be paid and convert units between sub-funds.

Define the level of investment risk

Consider how long you want to save, and how far back your investment risk tolerance. Build your investment plan, taking into account the following sub-funds included in the Millennium Fund. Open Investment (sub: Dynamic, Equity, Economic Trend, Stable Growth, Debt Instruments, Deposit)

What you should know about investing

  • Invest regularly
    This allows quickly pick up the value of their savings, by using the power of compound interest. Moreover you will average purchase price of shares, buying at different prices.

  • Invest long-term
    Periodic fluctuations in the share value will be less noticeable to you.

  • Invest wisely
    Diversify their investments. Choose different types of investment strategies.

  • Be aware of risk
    Focus on the sub-fund, the risk level is within your tolerance. The more risky investment strategy, the greater the susceptibility to fluctuations in the value of units in a short time.

Detailed terms and condition of participation in the Program are contained in the Investment Program Toddler Bylaws

Investing in mutual 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 SFIO) may be the Treasury, National Bank of Poland, the U.S. government, the European Central Bank or the European Investment Bank. The full description of Millennium Funds, including a description of risk factors is contained in prospectuses and Key Investor Information Documents of individual Funds are available in branches of Bank Millennium S.A., in the seat of Millennium TFI S.A and on the website

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


Investment Fund is an entity having legal personality and operating on the basis of the Act of 27 May 2004 on investment funds, conducting, exclusively, operations involving investing cash collected publicly or not publicly in securities and other property rights provided for 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 unitmay change on each valuation day.  

The following risks result from investing in investment funds:

  • Sector risk,
  • Credit risk,
  • Short-term price volatility risk,
  • FX risk,
  • Risk of not admitting issuer's securities to regulated market trading,
  • Liquidity risk,
  • Tax risk,
  • Legal risk,
  • Settlement risk,
  • Market risk,
  • Interest rate risk,
  • Risk of loss of capital,
  • Asset or market concentration risk,
  • Level of charges and fees,
  • Product complexity.

Risk description is provided in „Description of Risk Related to Financial Instruments and Products for Individuals in Bank Millennium S.A."1), as available in the Bank's outlets and on the Bank Web site

Detailed information on risks and investment strategy can be found in investment fund prospectuses.

Legal disclaimers

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.

Funds invested in the product are not covered by the deposit insurance scheme of the Bank Guarantee Fund.  

More details

For detailed information contact your nearest Millennium Financial Centres or call Linia Prestige.

801 12 7000
fixed line calls and mobile
+48 22 598 41 33
mobile and international calls