Products adapted to our clients´needs

A great number of products are found in financial markets, each with a complexity of its own, a risk, a specific cost, a greater or lesser liquidity, and fiscal relationship. Thanks to our independence we are able to choose those products which we consider best suited to our clients´s needs, regardless of their suppliers.

Product selection

Not all products are suitable for our clients. Those liable to be recommended are chosen according to their complexity, liquidity and risk. DPM Finance may recommend any of the following products:

This is an operation by which a financial institution, in exchange for keeping a certain amount of money frozen during a period of time, reports a profitability which may be fixed or variable, in money or otherwise.

Treasury bills are short term (maximum 18 months) fixed income assets issued by the State through the Treasury, implemented exclusively by means of account inputs. These assets are issued regularly by the Treasury through competitive auctions, as a way to finance the State.

Repos are temporary purchases of Treasury assets. Their main characteristics are the following:

The investor buys Treasury assets at a given price from a financial institution, while the latter accepts the obligation to buy them back after a certain period of time (generally under a year) at a price previously fixed.

Consequently, the yield of the investment shall be the difference between the purchasing and selling values. As both prices are agreed upon when the operation is settled, the buyer knows exactly the profitability that the investment will generate.

These are financial instruments issued upon fixed income assets, by States, Autonomous Communities and other public entities, both Spanish and foreign. As a rule they are liquid assets with a lower credit risk than private fixed income instruments. There are diverse types of public debt, which differ in terms and characteristics.

These are the aggregate of private fixed income assets issued by companies from the private sector, representing loans that these entities receive from investors. As a consequence, fixed income assets do not confer rights of a political nature to their holders, only economic rights. Their characteristics vary considerably from one institution to another, even between assets from the same company. These differences may be the date of expiry, interest rate, frequency of coupons, redemption prices and other conditions of the issue, as well as the convertibility options if there were any, the order of precedence of rights in case of liquidation, and the guarantees offered.

RShares represent a proportional part of a society´s capital. Since they are variable income assets it is not possible to know for certain what the profitability of the investment shall be. Both the price at which they may be sold and the dividends to be received during the period in which they are held are uncertain.

IICs, like any other financial product, carry certain risks. Their nature and range are defined in the corresponding informative brochure (DFI/KID) and from the assets in which the client invests his patrimony. Consequently, choice between the different types of funds must be made bearing in mind the client´s financial capacity and his desire to assume risks, as well as the scope of the investment. The variety of institutions for collective investment is very ample, for the markets in which their investments are placed, sectors, geographical areas, exchange rates, currency, etc.

A retirement plan is a savings-social welfare collective agreement by which deposits are made which add up and remain permanently invested in financial assets, with the purpose of building up a savings account (consolidated rights) to be collected when the eventualities that have been anticipated occur (retirement, demise, disability, dependency).

Savings Life products are those which allow for a client to obtain profitability from his cash, with fiscal advantages. Usually a life insurance policy is added.

Structured Bonds are products which combine a position with a fixed income or deposit financial instrument, with a derivative referred to different underlying assets. For this reason their profitability is conditioned by the structure utilized, which is determined by the combination of both positions and by the specific type of derivative.

ETFs, ETNs and ETPs are funds, notes and products quoted in stock markets. Due to their diversity and the possibility of using derivatives, they may become highly complex, a fact which demands ample financial knowledge and a close follow-up by the investor.

Derivatives are sophisticated products which in some cases carry the risk of total loss of the investment, and in other cases involve assuming obligations that may imply losses. Therefore, investing in them requires specific knowledge, both of the products and the way the negotiation systems operate, as well as a strong disposition to assume high risks, plus an ability to deal with them.

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Quality 100
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