SIGHT DEPOSITS
These are totally flexible financial products that allow you to save money and carry out your charges and payments; your account will accrue interests depending on your account balance.
There are two categories:
Current Account
It is a deposit that allows you to have your funds at your disposal directly at your branch, through our web page ruralvia.com, by means of our cards at any ATM, or, if preferred, by chequebook.
Saving Account
It is a deposit with a passbook that allows you to control your income and payments and by which you will see your savings growing
Our Products:
- Golden service
Caja Rural has designed especially for its foreign clients the “Golden Service”, with useful added services and additional advantages
- Rentamas
For clients of any age looking for maximum profitability for their savings from the first cent without losing accessibility and security.
Accrued interests remuneration will be carried out on a monthly basis depending on your account balance.
- Currencies Deposit Accounts
As this product is a deposit, not a share account or a complex financial product, you will be able to invest with no risk over the invested amount, in US Dollar, Sterling Pound or Swiss Francs with a high profitability, which will depend on the interest rate of your own country.
Keep peace on mind as a result of the confidence you hace in your country, your own currency and getting incomes in the period you choose
FIXED TERM DEPOSITS
It is a deposit for a previously established fixed term
that generates certain interests.
Advantages
Flexible duration. You can choose the most convenient period for you. Furthermore, you will choose the periodicity of accrued interest remuneration;
Immediate availability in case of need;
Income convenience and transparency in just one account;
Profitability in all fixed term products.
Our Products
Structured Deposits
Specially designed for those looking for more profitability, higher than that offered by traditional fixed term products.
They are generally long term products guaranteeing the whole capital, even a minimum profitability, plus a variable additional profitability calculated on a given index....
(stock-exchange indexes such us IBEX, Dow Jones, Nasdaq 100, Eurostoxx 50, Dax, securities, investment funds, etc.).
Nevertheless, there are multiple examples of guaranteeing your capital, interest calculation, tax advantages, etc.
In Caja Rural we have a wide experience on selling these products increasingly demanded by particular investors.
For that reason, you will have more and more possibilities to choose from.
Standard Term Deposits
For conservative clients looking for safe profitability, with guaranteed capital.You can choose the term that better fits your needs from one to thirty-six months.
Growing Deposits
Designed for conservative clients looking for safe profitability, with guaranteed capital.
They will also see their savings growing every six months.
Cuneta +65
It looks for maximum profitability with immediate availability and monthly interest remuneration.
Fixed term product designed as a perfect complement to your pension savings.
INVESTMENT FUNDS
Technically speaking, they are named “Instituciones de Inversión Colectiva” (Collective Investment Institutions).
It comprises the wealth belonging to several investors called PARTÍCIPES –Participants-.
They invest in both fixed and variable income, national and international financial markets, depending on the investment policy, and the nature of each fund.
Investment Funds Advantages:
When investing in this type of Fund, a certain amount of shares are given to you. The value of these shares is changed daily so that the profitability rises as the value increases.
Profitability.
You will obtain certain profitability depending on the investment policy of the chosen fund.
Liquidity.
At any time you will be able to end the investment recovering the invested money.
Diversification.
Thanks to the Investment Funds the Participant can diversify his/her financial assets.
Specialization.
Assets management is carried out by professional Entities specialized in the financial markets they deal with.
Efficiency.
By means of these Investment vehicles, the Participant can enjoy the advantages of institutional investors since they can deal with fewer unitary costs due to the fact that they deal with higher volumes.
Universality.
Investment Funds trade in all national and international markets where the participation of single investors is forbidden or allowed only under a high-cost.
INVESTMENT SAVINGS INSURANCE
They combine the advantages of life insurance and long/half term investments, with high profitability and the possibility of disposing of the invested capital before the agreed term is finished*.
The client is the Insurance Holder; that will allow him to enjoy the established insurance covers. Furthermore, it allows the client to enjoy tax benefits (only for Residents in Spain).
Our Products:
Single Premium Insurance
The client invests only one quota at the moment of the contraction.. The invested capital and a high profitability is guaranteed.
Rural Capital Renta
The client obtains a monthly income during his/her lifetime due to the indefinite nature of this product. It guarantees your peace of mind since you will not have to worry about your money. Furthermore, it has been designed for investors over fifty years old.
Fleximax Savings Insurance
An insurance to plan your savings, by periodical and extraordinary contributions, offering a guaranteed minimum interest plus a variable profitability.
It also offers total or partial liquidity from the first year on.
Investment Plan
The contribution made by the client is invested in investment funds, in a wide range of markets.
It allows you to make transfers within the funds portfolio.
That way, you can take advantage of the changes in the financial markets.
If preferred, a professional will manage your portfolio for you.
* In this case ,you should consult with your office in Caja Rural de Granada, the amount to be received, as it may suffer some early surrender penalty
FINANCIAL ASSETS
Public Fixed Income Actives
Issued by Tesoro Público Español (Spanish Treasury) and characterized by their security, profitability and liquidity.
Variable Income Actives (shares)
Represent corporate capital quoted in the stock-market.
You will obtain profitability by the difference between the purchase and sale price (Plusvalía – added value) or by the interest these companies pay to the shareholders (Dividendos - dividends).
You can make your investments at any of our branches and by visiting our web page www.ruralvia.com, through our “broker on line” service.
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