Product type: Capitalization Insurance.
Provider: GamaLife - Companhia de Seguros de Vida, S.A., contact details: www.bancobest.pt, (+351) 213 167 500.
Seller and Entity responsible for advertising: BEST - Banco Electrónico de Serviço Total, S.A.
Supervisory Authorities: Insurance and Pension Funds Supervisory Authority.
A way to invest in the medium and long term using a tax-efficient solution where specialized teams diversify your portfolio.
Unit-Linked Best Invest is Capitalization Insurance for shares and consists of 5 autonomous funds.
This product is not a deposit, so it is not covered by a deposit guarantee fund.
This product does not protect against future market performance, so you may lose some or all of your investment.
Assets are carefully curated based on your risk profile.
Lower taxation* (income tax): 28% up to year 5, 22.4% from year 5 day 1 up to year 8, and 11.2% from year 8 year day 1 onward.
Diversified investment and quick adjustment to market conditions.
Option of periodic deposits from €25/month.
It primarily invests in low-risk bonds and assets, with reduced exposure to stock (maximum 20%).
Put your money in a portfolio diversified across different asset classes, sectors and geographies.
You pay no subscription or redemption fees.
You can make scheduled deposits by adding a savings supplement to your assets.
You can transfer your investment between the 5 investment profiles at any time and at no extra cost.
Complete and track all operations online – subscription, top-up, switching and redemptions.
| Minimum initial investment |
€250 per policy and per autonomous fund |
| Subsequent investments |
€250 per policy and per autonomous fund |
| Scheduled deposits |
From €25/month |
| Costs/impact on annual return (RIY) |
2.39% if you leave after 8 years and 1 day |
| Minimum initial investment
€250 per policy and per autonomous fund |
| Subsequent investments
€250 per policy and per autonomous fund |
| Scheduled deposits
From €25/month |
| Costs/impact on annual return (RIY)
2.39% if you leave after 8 years and 1 day |
The risk indicator assumes that the Product is held for 8 years. The risk may vary significantly in the event of early redemption, and you may receive a lower value.
The summary risk indicator provides guidance on the level of risk for this product when compared to other products. It shows the likelihood of the product suffering financial losses in the future due to market fluctuations or the inability of GamaLife - Companhia de Seguros de Vida, S.A. to pay your return.
The product is classified on a scale from 1 (lowest risk) to 7 (highest risk).
Exchange rate risk for assets in the product portfolio: Bearing in mind that the product may invest in assets denominated in other currencies (not EUR) and may not carry out full currency hedging.
Liquidity risk for assets in the product portfolio: The possibility of waiting a long time or incurring high costs to turn a given financial instrument into cash.
Operational risk: The possibility of losses resulting in particular from internal processes, human error, or faulty external systems or processes.
Legal and tax risk: Risk of changes in legislation, including taxation legislation, and other applicable regulations that impact the Product's return.
| Knowledge and experience | Financial situation and ability to bear losses | Risk tolerance | Objectives and needs | Minimum time horizon |
|---|---|---|---|---|
| Beginner, Informed, Advanced or Expert | Including total loss of capital | 2 Low | Growth | Long-term, more than 8 years |
*Provided that the value of the amounts deposited in the first half of the contract term represents at least 35% of the total amounts deposited.
Best invest (ICAE) is a Complex Financial Product in the form of an insurance contract linked to investment funds with GamaLife - Companhia de Seguros de Vida, S.A., with registered offices at Rua Castilho, no. 26 – 4th floor -1250-069 Lisbon, Loja CTT Campo de Ourique (Lisbon) 1251-977 Lisbon, Portugal, with share capital of €50,000,000 - registered as a legal entity under no. 503 024 856 in the Lisbon Commercial Registry Office. This product is sold by BEST - Banco Electrónico de Serviço Total, S.A., with registered offices at Rua Castilho, 26, Piso 2, 1250-069 Lisbon, Portugal, with share capital of €63,000,000, registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (Portuguese Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, on 03/13/2008, under no. 408 268 350, and authorized to sell life insurance, non-life insurance and pension funds.
Best Bank is not authorized to receive insurance premiums for delivery to insurance companies. As an intermediary, Best Bank does not assume risk coverage. All intermediary information can be found at www.asf.com.pt.
It primarily invests in medium- to low-risk bonds and assets, with a maximum exposure to stock of 45%.
Put your money in a portfolio diversified across different asset classes, sectors and geographies.
You pay no subscription or redemption fees.
You can make scheduled deposits by adding a savings supplement to your assets.
You can transfer your investment between the 5 investment profiles at any time and at no extra cost.
Complete and track all operations online – subscription, top-up, switching and redemptions.
| Minimum initial investment |
€250 per policy and per autonomous fund |
| Subsequent investments |
€250 per policy and per autonomous fund |
| Scheduled deposits |
From €25/month |
| Costs/impact on annual return (RIY) |
2.88% if you leave after 8 years and 1 day |
| Minimum initial investment
€250 per policy and per autonomous fund |
| Subsequent investments
€250 per policy and per autonomous fund |
| Scheduled deposits
From €25/month |
| Costs/impact on annual return (RIY)
2.88% if you leave after 8 years and 1 day |
The risk indicator assumes that the Product is held for 8 years. The risk may vary significantly in the event of early redemption, and you may receive a lower value.
The summary risk indicator provides guidance on the level of risk for this product when compared to other products. It shows the likelihood of the product suffering financial losses in the future due to market fluctuations or the inability of GamaLife - Companhia de Seguros de Vida, S.A. to pay your return.
The product is classified on a scale from 1 (lowest risk) to 7 (highest risk).
Exchange rate risk for assets in the product portfolio: Bearing in mind that the product may invest in assets denominated in other currencies (not EUR) and may not carry out full currency hedging.
Liquidity risk for assets in the product portfolio: The possibility of waiting a long time or incurring high costs to turn a given financial instrument into cash.
Operational risk: The possibility of losses resulting in particular from internal processes, human error, or faulty external systems or processes.
Legal and tax risk: Risk of changes in legislation, including taxation legislation, and other applicable regulations that impact the Product's return.
| Knowledge and experience | Financial situation and ability to bear losses | Risk tolerance | Objectives and needs | Minimum time horizon |
|---|---|---|---|---|
| Beginner, Informed, Advanced or Expert | Including total loss of capital | 3 Medium-Low | Growth | Long-term, more than 8 years |
*Provided that the value of the amounts deposited in the first half of the contract term represents at least 35% of the total amounts deposited.
Best invest (ICAE) is a Complex Financial Product in the form of an insurance contract linked to investment funds with GamaLife - Companhia de Seguros de Vida, S.A., with registered offices at Rua Castilho, no. 26 – 4th floor -1250-069 Lisbon, Loja CTT Campo de Ourique (Lisbon) 1251-977 Lisbon, Portugal, with share capital of €50,000,000 - registered as a legal entity under no. 503 024 856 in the Lisbon Commercial Registry Office. This product is sold by BEST - Banco Electrónico de Serviço Total, S.A., with registered offices at Rua Castilho, 26, Piso 2, 1250-069 Lisbon, Portugal, with share capital of €63,000,000, registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (Portuguese Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, on 03/13/2008, under no. 408 268 350, and authorized to sell life insurance, non-life insurance and pension funds.
Best Bank is not authorized to receive insurance premiums for delivery to insurance companies. As an intermediary, Best Bank does not assume risk coverage. All intermediary information can be found at www.asf.com.pt.
It primarily invests in medium- to low-risk bonds and assets, with a maximum exposure to stock of 75%.
Put your money in a portfolio diversified across different asset classes, sectors and geographies.
You pay no subscription or redemption fees.
You can make scheduled deposits by adding a savings supplement to your assets.
You can transfer your investment between the 5 investment profiles at any time and at no extra cost.
Complete and track all operations online – subscription, top-up, switching and redemptions.
| Minimum initial investment |
€250 per policy and per autonomous fund |
| Subsequent investments |
€250 per policy and per autonomous fund |
| Scheduled deposits |
From €25/month |
| Costs/impact on annual return (RIY) |
3.16% if you leave after 8 years and 1 day |
| Minimum initial investment
€250 per policy and per autonomous fund |
| Subsequent investments
€250 per policy and per autonomous fund |
| Scheduled deposits
From €25/month |
| Costs/impact on annual return (RIY)
3.16% if you leave after 8 years and 1 day |
The risk indicator assumes that the Product is held for 8 years. The risk may vary significantly in the event of early redemption, and you may receive a lower value.
The summary risk indicator provides guidance on the level of risk for this product when compared to other products. It shows the likelihood of the product suffering financial losses in the future due to market fluctuations or the inability of GamaLife - Companhia de Seguros de Vida, S.A. to pay your return.
The product is classified on a scale from 1 (lowest risk) to 7 (highest risk).
Exchange rate risk for assets in the product portfolio: Bearing in mind that the product may invest in assets denominated in other currencies (not EUR) and may not carry out full currency hedging.
Liquidity risk for assets in the product portfolio: The possibility of waiting a long time or incurring high costs to turn a given financial instrument into cash.
Operational risk: The possibility of losses resulting in particular from internal processes, human error, or faulty external systems or processes.
Legal and tax risk: Risk of changes in legislation, including taxation legislation, and other applicable regulations that impact the Product's return.
| Knowledge and experience | Financial situation and ability to bear losses | Risk tolerance | Objectives and needs | Minimum time horizon |
|---|---|---|---|---|
| Beginner, Informed, Advanced or Expert | Including total loss of capital | 3 Medium-Low | Growth | Long-term, more than 8 years |
*Provided that the value of the amounts deposited in the first half of the contract term represents at least 35% of the total amounts deposited.
Best invest (ICAE) is a Complex Financial Product in the form of an insurance contract linked to investment funds with GamaLife - Companhia de Seguros de Vida, S.A., with registered offices at Rua Castilho, no. 26 – 4th floor -1250-069 Lisbon, Loja CTT Campo de Ourique (Lisbon) 1251-977 Lisbon, Portugal, with share capital of €50,000,000 - registered as a legal entity under no. 503 024 856 in the Lisbon Commercial Registry Office. This product is sold by BEST - Banco Electrónico de Serviço Total, S.A., with registered offices at Rua Castilho, 26, Piso 2, 1250-069 Lisbon, Portugal, with share capital of €63,000,000, registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (Portuguese Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, on 03/13/2008, under no. 408 268 350, and authorized to sell life insurance, non-life insurance and pension funds.
Best Bank is not authorized to receive insurance premiums for delivery to insurance companies. As an intermediary, Best Bank does not assume risk coverage. All intermediary information can be found at www.asf.com.pt.
It invests up to 100% in national and international stocks, as well as other medium- or high-risk assets.
Put your money in a portfolio diversified across different asset classes, sectors and geographies.
You pay no subscription or redemption fees.
You can make scheduled deposits by adding a savings supplement to your assets.
You can transfer your investment between the 5 investment profiles at any time and at no extra cost.
Complete and track all operations online – subscription, top-up, switching and redemptions.
| Minimum initial investment |
€250 per policy and per autonomous fund |
| Subsequent investments |
€250 per policy and per autonomous fund |
| Scheduled deposits |
From €25/month |
| Costs/impact on annual return (RIY) |
1.59% if you leave after 8 years and 1 day |
| Minimum initial investment
€250 per policy and per autonomous fund |
| Subsequent investments
€250 per policy and per autonomous fund |
| Scheduled deposits
From €25/month |
| Costs/impact on annual return (RIY)
1.59% if you leave after 8 years and 1 day |
The risk indicator assumes that the Product is held for 8 years. The risk may vary significantly in the event of early redemption, and you may receive a lower value.
The summary risk indicator provides guidance on the level of risk for this product when compared to other products. It shows the likelihood of the product suffering financial losses in the future due to market fluctuations or the inability of GamaLife - Companhia de Seguros de Vida, S.A. to pay your return.
The product is classified on a scale from 1 (lowest risk) to 7 (highest risk).
Exchange rate risk for assets in the product portfolio: Bearing in mind that the product may invest in assets denominated in other currencies (not EUR) and may not carry out full currency hedging.
Liquidity risk for assets in the product portfolio: The possibility of waiting a long time or incurring high costs to turn a given financial instrument into cash.
Operational risk: The possibility of losses resulting in particular from internal processes, human error, or faulty external systems or processes.
Legal and tax risk: Risk of changes in legislation, including taxation legislation, and other applicable regulations that impact the Product's return.
| Knowledge and experience | Financial situation and ability to bear losses | Risk tolerance | Objectives and needs | Minimum time horizon |
|---|---|---|---|---|
| Beginner, Informed, Advanced or Expert | Including total loss of capital | 3 Medium-Low | Growth | Long-term, more than 8 years |
*Provided that the value of the amounts deposited in the first half of the contract term represents at least 35% of the total amounts deposited.
Best invest (ICAE) is a Complex Financial Product in the form of an insurance contract linked to investment funds with GamaLife - Companhia de Seguros de Vida, S.A., with registered offices at Rua Castilho, no. 26 – 4th floor -1250-069 Lisbon, Loja CTT Campo de Ourique (Lisbon) 1251-977 Lisbon, Portugal, with share capital of €50,000,000 - registered as a legal entity under no. 503 024 856 in the Lisbon Commercial Registry Office. This product is sold by BEST - Banco Electrónico de Serviço Total, S.A., with registered offices at Rua Castilho, 26, Piso 2, 1250-069 Lisbon, Portugal, with share capital of €63,000,000, registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (Portuguese Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, on 03/13/2008, under no. 408 268 350, and authorized to sell life insurance, non-life insurance and pension funds.
Best Bank is not authorized to receive insurance premiums for delivery to insurance companies. As an intermediary, Best Bank does not assume risk coverage. All intermediary information can be found at www.asf.com.pt.
It mainly invests in national and international stocks, as well as other instruments that allow exposure to the stock markets.
Put your money in a portfolio diversified across different sectors and geographies.
You pay no subscription or redemption fees.
You can make scheduled deposits by adding a savings supplement to your assets.
You can transfer your investment between the 5 investment profiles at any time and at no extra cost.
Complete and track all operations online – subscription, top-up, switching and redemptions.
| Minimum initial investment |
€250 per policy and per autonomous fund |
| Subsequent investments |
€250 per policy and per autonomous fund |
| Scheduled deposits |
From €25/month |
| Costs/impact on annual return (RIY) |
2.24% if you leave after 8 years and 1 day |
| Minimum initial investment
€250 per policy and per autonomous fund |
| Subsequent investments
€250 per policy and per autonomous fund |
| Scheduled deposits
From €25/month |
| Costs/impact on annual return (RIY)
2.24% if you leave after 8 years and 1 day |
The risk indicator assumes that the Product is held for 8 years. The risk may vary significantly in the event of early redemption, and you may receive a lower value.
The summary risk indicator provides guidance on the level of risk for this product when compared to other products. It shows the likelihood of the product suffering financial losses in the future due to market fluctuations or the inability of GamaLife - Companhia de Seguros de Vida, S.A. to pay your return.
The product is classified on a scale from 1 (lowest risk) to 7 (highest risk).
Exchange rate risk for assets in the product portfolio: Bearing in mind that the product may invest in assets denominated in other currencies (not EUR) and may not carry out full currency hedging.
Liquidity risk for assets in the product portfolio: The possibility of waiting a long time or incurring high costs to turn a given financial instrument into cash.
Operational risk: The possibility of losses resulting in particular from internal processes, human error, or faulty external systems or processes.
Legal and tax risk: Risk of changes in legislation, including taxation legislation, and other applicable regulations that impact the Product's return.
| Knowledge and experience | Financial situation and ability to bear losses | Risk tolerance | Objectives and needs | Minimum time horizon |
|---|---|---|---|---|
| Beginner, Informed, Advanced or Expert | Including total loss of capital | 4 Medium | Growth | Long-term, more than 8 years |
*Provided that the value of the amounts deposited in the first half of the contract term represents at least 35% of the total amounts deposited.
Best invest (ICAE) is a Complex Financial Product in the form of an insurance contract linked to investment funds with GamaLife - Companhia de Seguros de Vida, S.A., with registered offices at Rua Castilho, no. 26 – 4th floor -1250-069 Lisbon, Loja CTT Campo de Ourique (Lisbon) 1251-977 Lisbon, Portugal, with share capital of €50,000,000 - registered as a legal entity under no. 503 024 856 in the Lisbon Commercial Registry Office. This product is sold by BEST - Banco Electrónico de Serviço Total, S.A., with registered offices at Rua Castilho, 26, Piso 2, 1250-069 Lisbon, Portugal, with share capital of €63,000,000, registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (Portuguese Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, on 03/13/2008, under no. 408 268 350, and authorized to sell life insurance, non-life insurance and pension funds.
Best Bank is not authorized to receive insurance premiums for delivery to insurance companies. As an intermediary, Best Bank does not assume risk coverage. All intermediary information can be found at www.asf.com.pt.
How to open an Account
