{"id":26796,"date":"2025-02-11T09:00:00","date_gmt":"2025-02-11T08:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=26796"},"modified":"2025-01-13T16:47:35","modified_gmt":"2025-01-13T15:47:35","slug":"guaranteed-funds-what-are-they-how-they-work","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/guaranteed-funds-what-are-they-how-they-work\/","title":{"rendered":"Guaranteed Funds: What are they and how they work"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>In an economic context of great uncertainty, inflation, and low-interest rates, guaranteed investment funds can be a good option for investors who want to diversify their savings and, at the same time, ensure a certain return on their investment.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As the name implies, <\/span><b>guaranteed funds guarantee all or part of the capital invested, as well as a predetermined return over a period of time<\/b><span style=\"font-weight: 400;\">. This profitability is generally referenced to the evolution of a stock market index, such as Ibex-35, and will depend on certain previously established circumstances being met.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, it should be borne in mind that <\/span><b>with the funds offered by Spanish banks, guaranteed returns are not always assured<\/b><span style=\"font-weight: 400;\">. The Comisi\u00f3n Nacional del Mercado de Valores (CNMV) <\/span><a href=\"http:\/\/www.cnmv.es\/DocPortal\/Publicaciones\/Fichas\/GR09_Fondos_Garantizados.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">defines<\/span><\/a><span style=\"font-weight: 400;\"> these products as funds that ensure that, at least at a certain future date, all or part of the initial investment will be preserved, and in some cases, they may also offer a certain guaranteed return.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because of the low risk involved, these funds usually provide a low return and are intended for investors who do not want to worry about their money or investments, but <\/span><b>are nevertheless a good alternative to fixed-term deposits<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Types of guaranteed investment funds<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">There are three different categories of guaranteed investment funds, depending on whether they guarantee the totality of the initial investment. <\/span><b>Guaranteed fixed-income funds promise<\/b><span style=\"font-weight: 400;\"> investors, as of the maturity date,<\/span><b> the recovery of the initial capital and also a predetermined fixed return<\/b><span style=\"font-weight: 400;\">. These funds are particularly suited to investors with an investment horizon of between six months and three years, who value a high degree of stability for their investments at the expense of performance.<\/span><\/p>\n<p><b>Guaranteed equity funds<\/b><span style=\"font-weight: 400;\">, on the other hand, <\/span><b>only secure the initial investment as of the maturity date<\/b><span style=\"font-weight: 400;\">. In addition, they offer the possibility of returns linked to the performance of various financial assets or indexes. However, the investor has to bear in mind that if the performance is not as expected, the return may be zero.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There is a third category, <\/span><b>partial guarantee funds, which, unlike the previous two, do not insure the entire initial investment<\/b><span style=\"font-weight: 400;\">, but a percentage, usually 90%. This higher risk is compensated by the possibility of a higher return on maturity, also linked to the evolution of equity instruments, currencies, or other assets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Low-interest rates have popularised <\/span><b>guaranteed equity or partial equity funds, which offer a good balance between security and profitability<\/b><span style=\"font-weight: 400;\"> compared to more conservative funds, such as fixed-income funds, which are very safe but also offer very low profitability. But as always, before making an investment it is vital to assess the risk we are willing to take and to clearly define our investment objectives.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The question, therefore, is: is there any fund that generates high returns and guarantees 100% of the investment and returns?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>If you want to know more about superior options to make your money profitable, go to <\/b><a href=\"https:\/\/www.11onze.cat\/en\/?page_id=26828\" target=\"_blank\" rel=\"noopener\"><b>Guaranteed Funds<\/b><\/a><b>. From 11Onze Recomana we propose you the best options in the market.<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>If you liked this article, we recommend you read:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/precious-metals-safe-haven-savings\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/01\/THUMBNAIL_METALLS_PRECIOSOS_REFUGI_ESTALVI-800x533.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Savings<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Precious metals<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">Financial investments always involve risks, but if we want to make our savings profitable<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/etf-investment-trend\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/THUMBNAIL_QUE_SON_ETFS-800x534.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Invest<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>ETFs, the new investment trend<\/strong><\/p>\n              <span class=\"card-time\">2 min read<\/span>\n              <p class=\"card-text small\">We bring you a new financial concept: ETFs or exchange<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/government-bonds-gold-best-buy\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/02\/THUMBNAIL_BONS_NACIONALS_COM_ENDEIXEN-800x535.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Invest<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Government bonds or gold<\/strong><\/p>\n              <span class=\"card-time\">5 min read<\/span>\n              <p class=\"card-text small\">Gold is traditionally regarded as the best asset for inflation<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":26790,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[20],"class_list":["post-26796","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-finances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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