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ZB global 20 is a balanced euro-denominated fund for investors who wish to generate income from interest-bearing assets and appreciation (achieving capital gain) over the recommended holding period (2 years or more) by investing assets in the markets of the Republic of Croatia, EU and OECD, primarily by investing into bonds (at least 50% of the net asset value of the Fund), into money market instruments and deposits, and a smaller portion of the assets into global equity markets (max. 20% of the net asset value of the Fund).
By adjusting the portfolio structure to market conditions, the Fund will primarily invest into government bonds and money market instruments, as well as corporate and municipal bonds, while a small portion will be invested into equity markets through direct investments or investment funds.
Features:
unit price expressed in EUR
low to moderate risk
investing assets in the markets of the Republic of Croatia, EU and OECD
intended for investors who at least understand the basics of investment funds, who can accept that the value of their investment may drop below the invested value during the investment period, who do not expect guarantees or investment protection, and whose goal is to increase the value of their investment during the recommended holding period
flexible exposure to global equity market between 0 % and 20 %
Benefits:
payments and payouts in EUR
simple and quick purchase, sale and swap of units using our free service, ZABA Link
a high portfolio diversification, which decreases the risk of the investment value decline
a balanced securities portfolio structure – a possibility to achieve higher yield provided by stocks, with stability provided by investments into bonds
a possibility to achieve higher yield in relation to standard types of saving or bond funds
Risks:
Investment into funds includes taking certain risks. Considering its investment strategy, the ZB global 20 fund is characterised by low to moderate risk, but this level of risk is not guaranteed and may change over time.
Terms and prices
Minimum payment in EUR for one-time payments is EUR 50. The minimum payment into the Fund for payments based on an investment plan (a standing order) is EUR 15.
Prices
Entry fee:
none
Exit fee:
0.50 % for investments up to 6 months
0.00 % for investments for 6 months or more
Depository fee:
0.20 %
Management fee:
1.50 %
The depository and management fees are included in the unit price.
The exit fee is charged when units are sold.
Arrangement
Units in ZB Invest funds are available for purchase at any branch of Zagrebačka banka or via online banking (e-zaba and m-zaba) using the free-of-charge ZABA Link service. ZABA Link may be arranged at any branch of Zagrebačka banka. Further information about this service is available at the ZABA Link website.
Of course. A parent (legal representative) may invest in funds on behalf of their minor child by arranging the free service, ZABA Link, in his or her name.
Activation
ZABA Link is a free service with which the Bank enables its clients, natural persons and businesses, to effect quicker, simpler and safer ZB Invest transactions. After arranging this service, clients may effect transactions simply and quickly through online banking (e-zaba, m-zaba), or check their balance and unit transactions. There are also many other benefits. Arrange the ZABA Link service in the nearest Bank branch and manage your investments even faster and easier.
Use
If you have arranged ZABA Link, the Bank's free service, you can check your unit balance in any Bank branch or using online banking (e-zaba, m-zaba). To clients who arrange electronic delivery of reports (by email), ZB Invest offers additional reporting email alert. Email alarms may be used to monitor the value of your investments in the funds managed by ZB Invest, and also to receive notifications on unit price changes (unit price increase or decrease) and unit balance. Alarms are sent by email when conditions are met, i.e. the defined percentage growth or drop of unit price.
At any time. When investing in a fund, the investment period is not defined, so the funds may be withdrawn from the fund at any time. When purchasing (selling) units, depending on your needs, you may request the sale of all of your units or define the amount of funds to be paid out. Unit purchase can be simple and quick if you use the free service ZABA Link.
The investor will receive the amount of sold Fund units no later than seven work days from the receipt of a valid request for sale in cash funds (usually the next work day).
Investing into investment funds enables higher yield compared to standard types of saving because of the direct access to domestic and global money and capital markets. By purchasing units in an investment fund, you invest your money together with other investors with a relatively small stake in different types of assets. ZB Invest offers various attractive investment funds and investment products which, with professional management and appropriate yield, may meet the needs of any investor, primarily depending on their investment goals, investment horizon and risk appetite.
Most people can achieve an increase in the real value of their assets and thus improve their financial security if they save and invest in capital markets over a longer period of time. When you invest your money, your money works for you. For example, if you make a term deposit or buy a bond, you earn interest. If you buy a stock of a company paying dividends, you earn the dividend, and if the price of the stock rises, you earn the difference in the price as well. Historically speaking, investments in stock on financial markets have been treated as a means of protection against the negative effects of inflation. If you hide your money under your mattress, it doesn't work for you and you'll never have more than the amount you have hidden away. Money you invest generates more money because of interest and dividends, or due to positive changes in the price of stocks, bonds or fund units. You can start with relatively small (monthly) amounts. It's never too early for investments.
Security
The safety of an investment depends on the investment strategy of a particular fund. For example, a fund investing in deposits and short-term bonds is characterised by low fluctuations in price and low investment risk, unlike equity funds, which have higher fluctuations in unit price, the possibility of achieving higher yield, but also the possibility of larger price drops.
Investment into funds includes taking certain risks. In general, the risk is the probability or possibility to achieve a lower yield than expected, or even a negative one.
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