Investing & capital
Investment options built around your goals.
We consider what you want to achieve, your time horizon and investor profile to help you evaluate the options suited to your needs.
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Long-term investing
Time, consistency and diversification.
Long-term investing can combine regular or lump-sum contributions with diversification across different markets and asset classes. The appropriate approach depends on your objectives and investor profile.
Investment calculator
See an illustration of how capital could develop over time.
Choose an amount, time horizon and illustrative investor profile.
Equity-led, focused on long-term growth, with larger swings along the way.
Illustrative future value
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- Total contributions
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- Hypothetical return
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The returns used here are hypothetical, not forecasts or guarantees. Actual returns vary from year to year and investments can lose value. Fees, commissions, tax and inflation may reduce the real value of the result. Past performance is not a reliable indicator of future results. The illustrative profiles used are Dynamic ~7.5%, Balanced ~5.5% and Conservative ~3.5% per year. Useful information & assumptions
THE PROJECTIONS CONTAINED HERE ARE NOT A RELIABLE INDICATOR OF FUTURE PERFORMANCE.
UCITS DO NOT HAVE A GUARANTEED RETURN AND PAST PERFORMANCE DOES NOT GUARANTEE FUTURE PERFORMANCE.
From the numbers to the plan
Investing starts from the goal.
The right investment plan depends on the time horizon, the liquidity you need, your investment profile and the goal you’re building capital for.
Why invest
Why invest?
Investing can provide access to different markets and asset classes and support longer-term financial objectives.
- Contributions
- €45,000
- Saving · 1.5%
- €54,558
- Investing · 7%
- €121,511
Illustrative example: €150/month for 25 years. "Saving" ~1.5% and "Investing" ~7% per year — hypothetical figures, before tax and fees. Not a forecast; past performance is not a guarantee of future results. Spreading money across different markets and asset classes can reduce dependence on a single investment, but it cannot prevent losses, particularly when markets fall together.
- 01
Diversification
Your investment is spread across different markets, sectors or asset classes, depending on the product.
- 02
Access
You gain access to investment options in Greece and in international markets.
- 03
Time
A longer time horizon gives an investment strategy more time to develop.
- 04
Choice
Different solutions can serve different objectives and investor profiles.
Investment options
Different options for different goals.
Depending on the goal, the time horizon and the investment profile, we look at different solutions for creating and managing capital.
Investment programmes
Investing with access to international markets.
Investment programmes that combine long-term planning with access to different markets, investment strategies and international asset managers, depending on the specific programme and investment profile.
Regular contributions or a lump-sum placement, depending on the programme.
International managers
Access to international investment managers.
Some investment programmes include options that draw on the strategies of international asset managers.
Indicative international asset managers. Available investment options depend on the specific programme and investment profile.
Mutual funds
NN Α.Ε.Δ.Α.Κ. mutual funds
Professionally managed investment options providing access to different markets and asset classes.
Certified NN Α.Ε.Δ.Α.Κ. Investment Advisor
Equity · Bond · Money-market
Greece · Europe · International markets
How it works
What is a mutual fund?
Mutual funds pool capital from many investors and invest it according to a specific investment policy. Each investor holds units in proportion to the amount invested.
- €100
1You invest an amount.
2The capital is pooled together with that of other investors.
3The management company invests it according to the fund’s investment policy.
4The value of your units changes according to the value of the fund’s investments.
5You can redeem your units according to the terms of the fund and receive their value, which may be more or less than you invested.
Why mutual funds
What does a mutual fund’s structure offer?
- Professional managementThe portfolio is managed according to a predefined investment policy.
- DiversificationThe investment is spread across a number of holdings, depending on the fund.
- AccessDifferent markets and investment categories within a single fund.
- Regulatory oversightFunds operate under a strict legal framework and are supervised by the competent authorities, in Greece the Hellenic Capital Market Commission. Unit values are calculated and published under that same framework.
- LiquidityThe option to redeem according to the terms of the specific fund.
- Favourable taxationThe fund is taxed at the level of its total assets; under the current Greek tax framework, capital gains and dividends carry no additional income tax for the unit-holder.
Capital for your goals
Capital means more when it has a goal.
RetirementBuilding supplementary capital for the years after work.
StudiesBuilding capital for future studies in Greece or abroad.
A homeBuilding capital to buy a home, or combining it with the right financing.
ProtectionBuilding a capital cushion for unexpected events.
FreedomCapital that can widen your choices at different stages of life.
OpportunitiesAvailable capital for significant opportunities that may arise in the future.
The design
Options aligned with your investor profile.
Your objectives, time horizon, financial needs and investor profile help determine which investment options may be considered.
- Objective and time horizonDistinguish money needed in the near future from savings intended for longer-term goals.
- LiquidityConsider how much money must remain readily available and how much you can commit for longer.
- RiskConsider both your tolerance for market fluctuations and your financial capacity to absorb losses.
- CostsCharges reduce the amount you retain. Understand the total costs and withdrawal terms before making a decision.
Home & financing
When the goal is a home.
Through the NN Hellas – Piraeus Bank partnership, support is available for mortgage financing.
The first conversation
Discuss your investment objective.
We can review your time horizon, financial commitments and options available within the scope of our services.