IMGA PRSP FUNDS

PRSP Funds from IM Gestão de Ativos (IMGA) are investment vehicles carefully designed to meet the needs of long-term savings, with a view to adequately financing the entry into retirement age.

Based on a consistent and disciplined investment process, IMGA's RSP Funds respect a global and diversified investment philosophy, both in terms of the asset classes used and, in the regions, where their investment focus is located.


Investment Profile

Before subscribing to your PPR, you should be aware of your risk/investment profile. Whether you are an experienced or inexperienced investor, it is essential to always take into account your age, financial situation, financial objectives, investment terms and risk tolerance of your investments.

Remember that the greater the risk you are willing to take, the greater the potential returns on investments; on the other hand, if you start saving earlier, you may have more ambitious return and risk targets that translate into more interesting average rates of return as a result of the capitalization effect.

Therefore, you should choose the products that best suit your investment characteristics and that can correspond to your goals.

If you are up to 45 years old, the most advisable product will be the IMGA Investimento PPR/OICVM, whose component of investment in shares is higher, with a maximum of 55%, but with a diversification ensured at the level of other available asset classes, such as bonds, real estate, currencies and other alternative classes.

If you are already over 45 years of age, a product with less volatility and greater stability will be advisable so that periods of greater risk do not translate into negative returns. In this case, IMGA Poupança PPR/OICVM will be the right product for you.

 

IMGA Poupança PPR/OICVM

IMGA Investimento PPR/OICVM

Being suitable for investors with reduced risk tolerance, the Fund essentially invests in public and private debt bonds, of fixed interest rate and indexed interest rate, issued by entities whose credit quality shows, at the time of its acquisition by the Fund, ratings equivalent to the higher levels (investment grade) of rating agencies.

- Monthly deliveries with a minimum of € 25.00
- Unique deliveries with a minimum of € 100.00
- Redemption Fee: 0%
- Tax Advantages (conditions provided for by law)
- Retirement supplement

The Fund is suitable for investors with tolerance to withstand possible capital devaluations in the short term. It essentially invests in public and private debt bonds, of fixed interest rate and indexed interest rate, issued by entities whose credit quality has, at the time of its acquisition by the Fund, ratings equivalent to the higher levels (investment grade) of rating agencies.

- Monthly deliveries with a minimum of € 25.00
- Unique deliveries with a minimum of € 100.00
- Redemption Fee: 0%
- Tax Advantages (conditions provided for by law)
- Retirement supplement

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