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  • Offer: investment in a fund and a term deposit with a specia...

Offer: investment in a fund and a term deposit with a special interest

In the period of 4 June – 31 December 2018, you can use our new investment solution: investment in a fund and a term deposit with a special interest. You can use the investment solution if it turns out to be suitable for you during the consultation. At a meeting with a private advisor, you will look over your current situation, set investment goals for the future, find out your risk tolerance, and find suitable solutions.

The offer includes:

  • Personal consultation at our branch or via a video meeting, during which the suitability of a fund investment will become clear.
  • The opportunity to use an investment solution if investment in one of the following funds turns out to be suitable for you and if you make an investment in the extent of the sum given in the personal recommendation:
    • SEB Strategy Balanced;
    • SEB Strategy Opportunity;
    • SEB Strategy Growth;
    • SEB Sustainable High Yield Fund; or
    • SEB Global Chance/Risk Fund.
    The investment solution comprises an investment in a suitable fund in the extent of the sum given in the personal recommendation and a term deposit with a higher interest in the extent of the sum of the fund units purchased in accordance with the fund recommendation. You can make the term deposit for six months (180 days) with the interest rate of 0.6% (annualised) or for twelve months (360 days) with the interest rate of 0.7% (annualised).

When purchasing fund units and concluding an agreement of a term deposit, the usual conditions of respective transactions apply (published on the website of AS SEB Pank).

You can always purchase fund units without concluding an agreement of a term deposit. However, concluding an agreement of a term deposit with a special interest rate is only possible when all the requirements set in the offer are fulfilled.

The pre-agreement information about the fees and costs of purchasing fund units is published on the website of AS SEB Pank at www.seb.ee/eng/investor-protection. There are no associated costs with concluding an agreement of a term deposit with a special interest rate.

We would like to draw attention to the fact that:

  • with the term deposit, the deposit is returned and you are paid the agreed interest on the closing date of the agreement.
  • when purchasing fund units, you are investing into securities. The security of the money invested in fund units is not guaranteed, as the value of the investment can either rise or fall and the investment can result in profits or losses, respectively.
  • The interest of the term deposit and the return on sales of the fund units are taxable income. The taxation of investment income can be postponed by having an investment account.

Important information

The interest of a term deposit is annualised. For example, if you deposit 1,000 euros for 12 months with the annual interest rate of 0.7%, you will earn 7 euros after 12 months. Or if you deposit 1,000 euros for six months with the annual interest rate of 0,6%, you will earn 3 euros after six months.

The information given here should not be interpreted as investment advice, investment recommendation or other investment or ancillary service. Before making an investment decision, you should carefully consider the financial, legal, regulative, accounting, and taxation issues related to the intended investment and assess all the risks associated with the investment and the appropriateness and suitability of the investment. If necessary, detailed advice should be sought from professional tax and investment advisors. General information on investing and securities is available on the website of AS SEB Pank at www.seb.ee/eng/investor-protection.

Detailed information on the funds, including the fund rules, public offer prospectus, key information document or simplified prospectus, financial reports, and other important information are available on the website of AS SEB Pank at www.seb.ee/eng/investments-and-deposits/investment-funds. Before making an investment decision, we kindly ask you to review the documents and other information available on the fund on the aforementioned website.

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