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This Fund endeavors to preserve the initial value of assets and increase their value by at least 5.55% (average annual return: 2.20%) between its date of establishment and its maturity date, being 8 April 2026, by predominantly investing in Sovereign Bonds of France, Germany, Italy and Romania, but also in other EU member states to a minor extent. The Fund will not invest in Equity Markets or Convertible Bonds.
This Fund is primarily designed for investors aiming to protect the nominal value of their investments after the Fund’s maturity date over a period of 2.5 years and is not designed for investors seeking to have their units repurchased before the Fund’s maturity date.
The initial offering of units will take place from 2 October 2023 until 31 October 2023, whereafter the Fund will no longer accept any investments.
An example of investment:
Amount invested during the initial offering of units: EUR 10,000
Entry fee charged (1%): EUR 100
Target value at Fund maturity: EUR 10,555
Features:
A principal protected fund with an annual return of 2.2% (a total of 5.55%) over a period of 2.5 years.
Terms & Conditions:
The minimum payment to the Fund is EUR 1000 and it must be made during the initial offering of units. It is not possible to invest in the Fund via a standing order. On completion of the initial offering of units, no investments in the Fund will be accepted.
Prices:
Entry fee: 1% during the initial offering of units
Exit fee: 3%
Depositary fee: 0.1 % but on less than EUR 400 per month
The management and depositary fees are included in the unit price. The entry fee is accrued at issuance of units during their initial offering. The exit fee is accrued when units are repurchased. No exit fee is payable after the Fund’s maturity date.
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 may invest in funds on behalf of his/her minor child by arranging ZABA Link free of charge in the name of the person being represented.
The Fund only invests its assets in interest-bearing instruments, that is, financial products generating interest income known in advance. This allows it to protect the target amount to be achieved on a specific future date, which in this case is the Fund’s maturity date, 8 April 2026. Please note that the principal amount may during the Fund’s lifecycle be temporarily lower than the initial principal amount (as a result of market fluctuations) and that such principal protection only applies at maturity of the Fund.
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
The 5.55% target return at the Fund’s maturity is based on the amount invested – in other words, an investment of EUR 10,000 will be worth at least EUR 10,555 after the Fund’s maturity and after the investment target is achieved.
You may do so at any time; however, it is not advisable to have your units repurchased before the Fund’s maturity date because of the 5% exit fee. As of the Fund’s maturity date, no exit fee will be payable.
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