1. What is imagin&Invest?

imagin&Invest is a discretionary portfolio management service in which a digital investment advisor will offer you the portfolio most suited to you based on your knowledge, experience and investment profile.

3. How does imagin&Invest work?

Answer a few questions that the digital advisor will ask you, such as how much you want to invest and the risk you are willing to take. Let us recommend the best portfolio for you. Sign up and track your portfolios in imagin. This service is available through the app.

4. How much money can I invest with imagin&Invest?

You can invest as little as €500. There is no maximum investment amount.

5.Can I withdraw money from the investment portfolios at any time?

Yes, from the portfolio menu by selecting the option Withdraw money, customers will be able to initiate the redemption of their portfolio. Partial redemptions are not allowed, you must withdraw the full amount of your investment.Withdrawing your investment before the recommended time horizon increases the risk of losing capital.

6. MiFid Test: What is it and why do I need it?

These are tests that are carried out so that the entity knows the knowledge and experience of its clients in the financial markets. In addition to their financial situation, their capacity to assume risk and their investment objectives, so that it can offer each customer the most suitable investment products for their profile.

Let it flow.
Your portfolio is now automatic

We recommend the portfolio that best suits
your profile with imagin&Invest portfolios. ¹

An investment portfolio for you

See all the advantages we offer to make investing simpler.

The value of the investment is subject to market fluctuations; therefore, there is a possibility of incurring losses. Past returns are not a guarantee of future results.

Tailored to your profile

You answer some questions and your portfolio will manage everything for you.

Customised portfolio

Your wallet is automated and fits the market movements.

Transparent costs

Fixed annual fee of 0.73 % VAT included of your average portfolio balance. ²

Without leaving the app

Manage everything from the same app.

Find out more! Find out more!

How do I open a portfolio?

We make it easy to choose a portfolio that is right for you.

imagin invest app

Go to imagin&Invest and decide how much to invest (€500 minimum).

Find a product that's right for you by taking the MiFID test.

Choose one of our recommended portfolios.

Track your investments 100 % from the app.

How can I take out my money?

You can sell or buy whenever you like, but remember that withdrawing the money before the recommended date increases the risk of losing capital. You can withdraw all or part of your investment in the portfolio.

What is MiFID?

The Market in Financial Instruments Directive is a European guideline that all investment firms must follow and that is designed to protect investors, mainly retailers (like you). This way, companies that adhere to it guarantee that their customers do not invest in assets that are not suitable or convenient for their profile.

FAQS

1. What are imagin&Invest portfolios?

It's 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.

2. Where can I find the imagin&Invest portfolios in the app?

To find the imagin&invest portfolios, take the following menu tree: "Products" "MyMoney" "Invest" "imagin&Invest".

3. Can I add money to it once I open it?

Yes, you can add money to your portfolio whenever you want. If the amount you want to add exceeds the maximum investment amount you had set, you can answer a few questions to raise it, or lower the amount of the contribution to avoid reaching the maximum.

4. What is the MiFID test for?

The tests are used to protect customers, since MiFID II regulates whether retail customers have sufficient experience and/or knowledge to understand the characteristics and risks associated with trading in investment funds.

5. How can I keep track of my portfolio?

There is a control panel that gives you complete access to your portfolio so that you can track your investment at any time, where you can decide whether to add more money, cash in all or part of your investment, get information on how your assets are trending, your estimated returns and the funds that make up your portfolio.

We are what we do

We have been a Certified B Corporation™ since 2020. Discover more here.

IRN: 6514-2024/17317
imaginBank de CaixaBank, S.A.

1. imagin&Invest is the trade name of SmartMoney at imaginBank; Smart Money is a discretionary portfolio management service for investment funds provided by CaixaBank, S.A. and delegated to CaixaBank, A.M., SGIIC, S.A.U., No 15 in the CNMV register. CecaBank, S.A., with CNMV registration number 236, is the depositary of the funds in which the portfolios invest. CaixaBank must determine that the service is suitable for the customer before signing with him/her the management contract. You can view the prospectuses, as well as the key investor information documents of the investible funds at www.caixabankassetmanagement.com, caixabank.es, and in the Official Registers of the CNMV.

2. Fee subject to VAT of 21% or current rate. The price does not take into account the costs and expenses of the underlying funds as they are implicit in the daily valuation of the investment funds.