Invest into traded government and corporate bonds as well as interest-bearing instruments. They are less risky than, for instance, equity funds.
ZB bond is a euro-denominated bond fund, investing assets into highly liquid, internationally listed government and corporate bonds, and a smaller portion into international funds investing into bonds.
The Fund is characterised by exceptionally high portfolio diversification with geographical focus on the wider region area (Croatia, Serbia, Slovenia, Montenegro, Romania, Bulgaria, Slovakia, Macedonia, Austria) and other countries.
Characteristics:
low to moderate risk
preservation and appreciation of the invested funds over the medium term
it is intended for investors who want to achieve preservation and appreciation of the invested funds over the medium term
Benefits
Payments and withdrawals in the currency of the fund
A simple and quick purchase and sale procedure, purchase of units with no entry fee
High liquidity
A possibility to realise higher yield in relation to the inflation rate, standard forms of saving and money market funds
Investment into highly liquid, internationally listed government and corporate bonds in EUR and other major world currencies
A high portfolio diversification, which decreases the risk of the investment value decline
Conditions
Minimalna uplata u kunama pri jednokratnim uplatama iznosi 400 HRK. Za uplate putem investicijskog plana (trajni nalog) minimalna uplata u fond iznosi 100 HRK.
Minimalna uplata u eurima pri jednokratnim uplatama iznosi 50 EUR. Za uplate putem investicijskog plana (trajni nalog) minimalna uplata u fond iznosi 15 EUR.
Required documents
Application form
Unit purchase request
Prices
Entry fee:
No fee
Exit fee:
for investments up to six months 0.50 %
for investments of 6 months and longer 0 %
Depositary fee:
0.10 %
Management fee:
1.20 %
The depositary fee and the management fee are included in the unit price.
The exit fee is calculated upon unit sale.
Arrangement
How can I purchase units in ZB Invest investment funds?
Units in ZB Invest funds may be purchased in any branch of Zagrebačka banka, through online banking (e-zaba and m-zaba) and using the free service ZABA link. The ZABA Link service may be arranged in any branch of Zagrebačka banka. To find out more about the service, please visit the ZABA Link website.
Can I make a payment into the fund on behalf of my child?
Of course. A parent (legal representative) may invest in funds on behalf of their minor child by arranging the free service, ZABA Link, in his or her name.
Activation
What is ZABA Link?
ZABA Link is a free service with which the Bank enables its clients, natural persons and businesses, to effect quicker, simpler and safer ZB Invest transactions. After arranging this service, clients may effect transactions simply and quickly through online banking (e-zaba, m-zaba), or check their balance and unit transactions. There are also many other benefits. Arrange the ZABA Link service in the nearest Bank branch and manage your investments even faster and easier.
Use
How can I monitor the value of my investment?
If you have arranged ZABA Link, the Bank's free service, you can check your unit balance in any Bank branch or using online banking (e-zaba, m-zaba). To clients who arrange electronic delivery of reports (by email), ZB Invest offers additional reporting email alert. Email alarms may be used to monitor the value of your investments in the funds managed by ZB Invest, and also to receive notifications on unit price changes (unit price increase or decrease) and unit balance. Alarms are sent by email when conditions are met, i.e. the defined percentage growth or drop of unit price.
When can I withdraw my funds from an investment fund?
At any time. When investing in a fund, the investment period is not defined, so the funds may be withdrawn from the fund at any time. When purchasing (selling) units, depending on your needs, you may request the sale of all of your units or define the amount of funds to be paid out. Unit purchase can be simple and quick if you use the free service ZABA Link.
What is the deadline for payout of funds in the ZB Invest investment funds?
The investor will receive the amount of sold Fund units no later than seven work days from the receipt of a valid request for sale in cash funds (usually the next work day).
Why should I invest in ZB Invest investment funds?
Investing into investment funds enables higher yield compared to standard types of saving because of the direct access to domestic and global money and capital markets. By purchasing units in an investment fund, you invest your money together with other investors with a relatively small stake in different types of assets. ZB Invest offers various attractive investment funds and investment products which, with professional management and appropriate yield, may meet the needs of any investor, primarily depending on their investment goals, investment horizon and risk appetite.
Why should I invest in capital markets?
Most people can achieve an increase in the real value of their assets and thus improve their financial security if they save and invest in capital markets over a longer period of time. When you invest your money, your money works for you. For example, if you make a term deposit or buy a bond, you earn interest. If you buy a stock of a company paying dividends, you earn the dividend, and if the price of the stock rises, you earn the difference in the price as well. Historically speaking, investments in stock on financial markets have been treated as a means of protection against the negative effects of inflation. If you hide your money under your mattress, it doesn't work for you and you'll never have more than the amount you have hidden away. Money you invest generates more money because of interest and dividends, or due to positive changes in the price of stocks, bonds or fund units. You can start with relatively small (monthly) amounts. It's never too early for investments.
The safety of an investment depends on the investment strategy of a particular fund. For example, a fund investing in deposits and short-term bonds is characterised by low fluctuations in price and low investment risk, unlike equity funds, which have higher fluctuations in unit price, the possibility of achieving higher yield, but also the possibility of larger price drops.
May I lose the total amount of assets that I have invested into a investment fund?
Depending on the fund strategy, i.e., price trend for the securities into which a specific fund invests, negative yields are possible as well, however, loss of principal is almost impossible given the diversification of investments in the fund (the fund invests into various types of assets, various currencies, economic sectors).
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Kolačići koji se koriste:
JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama
PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies
PD_SESSION-ID - jdinstveni Unique server session security cookie
PWSESSIONID – kolačić sesije poslužitelja
Parent_alive - kolačić sesije poslužitelja
Gtm_tracking - čuva korisnikov pristanak na praćenje
Option_set – čuva vrijednost za pokazivanje cookie bara
Zaba_performance- čuva posjetiteljev pristanak za bolje performance
Performansni kolačići
Ovi kolačići omogućuju nam da računamo posjete i izvore prometa, kako bismo mogli izmjeriti i poboljšati performanse naših stranica. Oni nam pomažu da znamo koje su podstranice najpopularnije ili najmanje posjećene, te kako se posjetitelji ponašaju po web stranici. Sve informacije koje ovi kolačići prikupljaju su agregirani a time i anonimizirani. Ako spriječite te kolačiće, nećemo znati kada ste posjetili našu web stranicu.
Kolačići koji se koriste:
ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba
ZABRM - kolačić s vrijednošću korisnikovog web preglednika zbog boljih performansi
Marketinški kolačići
Ovi kolačići služe kao pomoć pri tumačenju internetskih aktivnosti korisnika te u svrhu marketinških aktivnosti, poput oglašavanja i remarketinga.
Kolačići koji se koriste:
1P_JAR - prikuplja statistiku web stranice i prati stopu konverzije Google.com/google.hr
CONSENT - postavke kolačića - google.com
DV - Google ad personalizacija - google.com
NID - Google ad personalizacija - google.com
IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick
ga - Google Universal Analytics postavlja jedinstveni ID koji se koristi za izračunavanje podataka za analitička izvješća
gid - koristi se za razlikovanje korisnika jednog od drugog.
Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.
uuid2 - Ovaj kolačić sadrži jedinstvenu, slučajno generiranu vrijednost koja Platformu omogućuje razlikovanje preglednika i uređaja.
Sess - Kolačić sesije sadrži jednu ne-jedinstvenu vrijednost: "1". Platforma se koristi za testiranje je li preglednik konfiguriran za prihvaćanje kolačića iz aplikacije AppNexus.
Icu - Kolačić se koristi za odabir oglasa i ograničavanje broja prikaza određenog oglasa. Sadrži informacije poput broja prikaza oglasa, nedavnog prikazivanja oglasa ili broja prikazanih oglasa
Uid - jedinstveni identifikator
cid - Cookie id (legacy) – jedinstveni identifikator
Facebook - prati konverzije FB oglasa, optimizira oglase, gradi ciljanu publiku i radi remarketing
HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima