An efficient and automated route
Smart Money is a portfolio management service that is made up of exclusive underlying funds called Smart Funds. These funds aim to provide a return that is very similar to that of an index, as efficiently as possible.* By channelling investment through funds, you can access opportunities that are generally closed to the individual investor.
Access to different markets and assets from just €500.
Transparency in costs: fixed annual fee of 0.73% (VAT included) of your average portfolio balance.**
An automated, easy, quick and streamlined system.
* The value of the investment in the funds in which the portfolios may invest is subject to market fluctuations, and therefore may incur losses.
** The price does not take into account the costs and expenses of the underlying funds. These are implicit in the daily valuation of the investment funds.
Track your investments
From the CaixaBankNow online platform, you can view all your information, updated daily:
- Balance and any gains
- Performance statistics
- Distribution of assets
- Composition of the portfolio
You will also receive regular alerts to keep you informed of the progress of your investments.
How does Smart Money work?
Answer a few questions, such as how much you want to invest or what risk you are willing to take.
We will advise you on the best investment portfolio for you.
Sign up and monitor your portfolios from the CaixaBankNow online platform.
Do you have questions about Smart Money?
Smart Money is a discretional portfolio management service in which a digital investment adviser will offer you the portfolio that is right for you based on your knowledge, experience and investing profile.
Answer some questions that the digital adviser will ask you such as how much you want to invest or what the risk you are willing to take is. Let us recommend the best portfolio for you. Sign up and monitor your portfolios through CaixaBankNow. This service is available via the website and app.
You can invest from €500. There is no maximum investment amount.
Smart Money portfolios have a fixed annual cost associated with the discretionary portfolio management service, and costs and expenses associated with the funds that are in the managed portfolio. The costs and expenses associated with the funds in the portfolio include recurring costs, such as the management fee and the depositary fee, which are discounted when the net asset value of each fund is calculated. Every year, each customer will receive a report informing them of the actual costs and expenses of their portfolio for the previous year.
You can withdraw all the money from a Smart Money portfolio from the CaixaBankNow website and app, by clicking on the "Withdraw" option in the options menu of the portfolio. The net asset value of the portfolio may be lower than the amount invested.
The value of the investment in the funds in which the portfolios may invest is subject to market fluctuations, and the possibility thus exists that some of the money invested may be lost. Past returns or costs do not represent future rights.
Yes, this transaction is available on the CaixaBankNow website by clicking on the Smart Money options menu and selecting "Transfer to one of my CaixaBank funds".
Not a customer yet?
Become a customer in just 5 steps and sign up for Smart Money through CaixaBankNow.