Investment strategies focus on risk profiling and social impact

Understanding investment risk requires distinguishing between emotional risk tolerance and objective risk capacity. Risk tolerance refers to an individual's emotional reaction to market volatility and uncertainty. In contrast, risk capacity is an objective measure based on financial stability, income, and specific timelines, such as the need for liquidity for upcoming major purchases.

In the realm of social impact, Santander Asset Management offers solidarity funds that combine financial returns with social contributions. These funds operate as standard investment vehicles—including fixed income, equity, and mixed strategies—subject to market fluctuations. However, a portion of the management fees is allocated to fund social projects, allowing investors to support social causes without requiring additional donations or reducing their invested capital.