Planning your finances
Everyone wants to have enough money to live comfortably, but also to realize higher goals, desires or aspirations - education, travel, gifts, money for retirement, health insurance, etc. To realize these goals, you need to plan your finances - it's not enough to live "from today to tomorrow".
Why invest?
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You can earn higher returns than saving money in bank deposits, despite fluctuations in financial markets
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Strengthen your capital and reach your personal long-term savings goals
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Protect your capital against inflation or negative interest rates
Before you invest
Everyone's savings goals change throughout their lives. You can save money for a car, a home, an exotic vacation, your children's education or retirement.
Before you make an investment, start by analyzing your current situation and answer the following questions for yourself:
- What are my monthly expenses? Make a list of all the expenses that may arise in a month: recurring expenses (utility bills, food, household, insurance, etc.) and set aside a sum for any extraordinary expenses!
- How much can I save, month by month? What do I want to save for?
- Where do I want to be financially in 5, 10, 20 years? What do I want to achieve and in what time frame?
BT Asset Management offers clients a wide range of investment funds, with very different degrees of risk and potential returns - from bond or fixed income funds, to funds investing in Romanian, European Union or third country equities, including thematic funds (agro, energy, real estate, technology), in LEI, EURO or USD.
Access to open-ended investment funds is available to customers through BT's network of branches and, after the first purchase, online through the BT24 and NeoBT applications - the investment process is much simpler.
Alternative investment funds are distributed exclusively through BT Asset Management.
BT Energy
Open-ended investment fund in EUR - minimum 75% of the assets are represented by shares traded on European markets of energy-related companies.
Summary risk indicator
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Recommended period: minimum 5 years
BT Agro
Open-ended investment fund in EUR - at least 75% of the assets are represented by shares traded on European markets of companies related to agriculture and food.
Summary risk indicator
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Recommended period: minimum 5 years
BT Technology
Open-ended investment fund in EUR - minimum 75% of assets are represented by shares traded on European markets of companies related to the information sector.
Summary risk indicator
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Recommended period: minimum 5 years
BT Real Estate
Open-ended investment fund in EUR - minimum 75% of the assets are represented by shares traded on European markets of real estate related companies.
Summary risk indicator
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Recommended period: minimum 5 years
BT Index Romania ROTX
Equity fund replicating a stock index in RON (ROTX - Romanian Traded Index).
Summary risk indicator
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Recommended period: minimum 5 years
BT Maxim
Open-ended RON investment fund - minimum 85% of assets are represented by shares traded on the Bucharest Stock Exchange.
Summary risk indicator
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Recommended period: minimum 5 years
BT Index Austria ATX
Equity fund replicating a stock index in EUR (ATX - Austrian Traded Index).
Summary risk indicator
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Recommended period: minimum 5 years
BT Invest
Alternative investment fund investing in securities and money market instruments listed or traded on a trading venue in Romania, a Member State or a third country.
Summary risk indicator
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Recommended period: minimum 2 years
BT Clasic
Diversified RON fund, predominantly in fixed income financial instruments. A maximum of 40% of assets may be invested in equities or other risky financial instruments.
Summary risk indicator
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Recommended period: minimum 3 years
BT Euro Clasic
Diversified EUR fund, predominantly in fixed income financial instruments. A maximum of 40% of assets may be invested in equities or other risky financial instruments.
Summary risk indicator
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Recommended period: minimum 3 years
BT Obligatiuni
RON fixed income fund - predominantly in corporate bonds and bank deposits.
Summary risk indicator
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Recommended period: minimum 3 years
BT Euro Obligatiuni
EUR fixed income fund - predominantly in corporate and government/municipal bonds.
Summary risk indicator
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Recommended period: minimum 3 years
BT Dolar Fix
Fund of fixed income instruments in USD - predominantly in bank deposits.
Summary risk indicator
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Recommended period: minimum 6 months
BT Euro Fix
Fund of fixed income instruments in EUR - predominantly in bank deposits.
Summary risk indicator
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Recommended period: minimum 6 months
BT Fix
RON fixed income fund - predominantly in bank deposits.
Summary risk indicator
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Recommended period: minimum 6 months
BT Property
At least 75% of BT Property's assets are represented by real estate assets or shares not admitted to trading, i.e. shares in companies with a real estate profile.
Summary risk indicator
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Recommended period: minimum 5 years
