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Investment ABC

Find out the different types of investment and what they do so you can make smart decisions that meet your goals.

Open a financial instrument account

We remind you that investing involves risk and may result not only in profit but also in financial losses. AS Citadele banka provides a tool for transactions with financial instruments but does not provide investment portfolio management services, fund and asset management services, or individual investment advice on financial instruments or capital market recommendations. Such services are provided by the Citadele Group company IPAS CBL Asset Management.

Investment funds

  • Simpler funds don’t need large sums of money or experience to get started.
  • Your money is invested in multiple businesses and securities at the same time, reducing the risks.
  • Financial specialists take care of your money — you don’t have to be an expert.

Important. The value of an investment fund can grow or decline. Your investment is not guaranteed, and you could lose some or all of what you invested. Historic data does not guarantee future results.

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CBL Asset Management investment funds

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CBL Bond Funds

Funds in which money is invested in bonds — loans to businesses or countries. The aim is to provide a stable income and reduce risks. They are managed by a CBL team with many years’ experience.
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CBL Stock Funds

Funds which invest in the shares of the world’s largest businesses. The aim is to increase the value of the investment over the long term. Our team selects businesses whose value, they believe, will grow. 
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CBL Opportunities Funds

Funds in which money is divided between different sectors and countries. Suitable for both one-time investments and regular saving. Investments are adapted to what is happening in the market at that moment.
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Exchange-Traded Funds (ETF)

ETFs are funds which are traded on the stock market like stocks. Their prices usually follow an index or the price of an asset like gold, oil or other goods.
When you buy an ETF, you gain a ready-made portfolio of stocks or other assets, which can cover various countries, regions and sectors.

  • Convenient to trade with high liquidity.
  • Lower fees than buying shares one-by-one.
  • Extensive opportunities for investment across markets and industries.
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Important. The value of an investment fund can grow or decline. Your investment is not guaranteed, and you could lose some or all of what you invested. Historic data does not guarantee future results.

Stocks

  • You could earn more if a business does well.
  • Greater risk — prices fluctuate and profit is not guaranteed.
  • You own a share in the business, and you become a co-owner.

Remember. Stock prices may change, and there is no guarantee that your investment will profit. When you invest, there is always a risk of loss. Historic data does not guarantee future results.

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Bonds

  • You loan money to a business or country, and receive interest.
  • Usually lower risk than stocks — suitable for a stable income.
  • The investment period and terms are fixed from the beginning.

Important. The value of the bonds can shrink due to market conditions such as inflation or changes to the interest rates. If you sell before the end of the bond term, the price may be lower than the initial investment. There is also the risk that the borrower won’t repay their debt.

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Life insurance with savings in funds

  • You simultaneously build your savings and give yourself the protection of insurance.
  • Payments are invested in funds — you have the opportunity to earn, but you also risk losing part of your savings.
  • If an accident occurs, you or your loved ones receive an insurance payout.

Important. Some of your savings are invested in funds, whose value can change. There is no guarantee of a profit, and there is a risk that your savings may shrink.

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Financial instruments accounts administration

Service Fee
Financial instruments safekeeping fee (per month) 0.02% (min. 2 EUR), free of charge for all CBL Asset Management funds
External free of payment outgoing transfer of financial instruments (all markets) 100 EUR
External free of payment inward transfer of financial instruments (all markets) Free of charge
Internal transfer between two Citadele bank financial instruments accounts, (commission charged from transferor) 10 EUR
Receipt / transfer of financial instruments against payment (RVP/ DVP), Deregistration of financial instruments 50 EUR
Processing of financial instruments corporate actions orders and tax certification documents 35 EUR + actual expenses
Commission fee for negative balance of customer’s money financial instruments funds accounts (percent per annum) 24%
See full price list
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