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Investment basics

Find out the different types of investment and what they do so you can make smart decisions that meet your goals.

Open a financial instrument account

We remind you that investing involves risk and may result not only in profit but also in financial losses. AS Citadele banka provides a tool for transactions with financial instruments but does not provide investment portfolio management services, fund and asset management services, or individual investment advice on financial instruments or capital market recommendations. Such services are provided by the Citadele Group company IPAS CBL Asset Management. This is an informational material prepared by AS Citadele banka. Nothing contained herein should be considered as investment advice, a recommendation, or a solicitation to buy, sell or hold any financial instruments. Before you start investing, please familiarize yourself with the price list, information about documents and risks.

Investment Funds

  • Simpler funds don’t need large sums of money or experience to get started.
  • Your money is invested in multiple businesses and securities at the same time, reducing the risks.
  • Financial specialists take care of your money — you don’t have to be an expert.

Important. The value of an investment fund can grow or decline. Your investment is not guaranteed, and you could lose some or all of what you invested. Historic data does not guarantee future results.

Open a financial instrument account

CBL Asset Management investment funds

Open a financial instrument account

Funds in which money is invested in bonds — loans to businesses or countries. The aim is to provide a stable income and reduce risks. They are managed by a CBL team with many years’ experience.
Find out more

CBL Stock Funds

Funds which invest in the shares of the world’s largest businesses. The aim is to increase the value of the investment over the long term. Our team selects businesses whose value, they believe, will grow.
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CBL Opportunities Funds

Funds in which money is divided between different sectors and countries. Suitable for both one-time investments and regular saving. Investments are adapted to what is happening in the market at that moment.
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Find the approach that suits you best

Fill in the investment strategy questionnaire and you will be matched with the CBL Asset Management investment funds most suitable for your financial situation, risk appetite, and knowledge.

Fill in the questionnaire Terms of the automated investment advice of the “Investment Strategy Questionnaire” tool

The investment strategy questionnaire is offered by AS Citadele banka Group company IPAS CBL Asset Management.

Exchange-Traded Funds (ETF)

ETFs are funds which are traded on the stock market like stocks. Their prices usually follow an index or the price of an asset like gold, oil or other goods.
When you buy an ETF, you gain a ready-made portfolio of stocks or other assets, which can cover various countries, regions and sectors.

  • Convenient to trade with high liquidity.
  • Lower fees than buying shares one-by-one.
  • Extensive opportunities for investment across markets and industries.
Open a financial instrument account

Stocks

  • You could earn more if a business does well.
  • Greater risk — prices fluctuate and profit is not guaranteed.
  • You own a share in the business, and you become a co-owner.

Remember. Stock prices may change, and there is no guarantee that your investment will profit. When you invest, there is always a risk of loss. Historic data does not guarantee future results.

Open a financial instrument account

Bonds

  • You loan money to a business or country, and receive interest.
  • Usually lower risk than stocks — suitable for a stable income.
  • The investment period and terms are fixed from the beginning.

Important. The value of the bonds can shrink due to market conditions such as inflation or changes to the interest rates. If you sell before the end of the bond term, the price may be lower than the initial investment. There is also the risk that the borrower won’t repay their debt.

Open a financial instrument account

Trading1

Service
Service Fee for Order submited via Citadele Online banking Fee for Order submitted at branches/to Broker
Type
Type Purchase Selling Purchase, Selling
Debt securities transactions:
Debt securities transactions:
at Baltic exchanges
at Baltic exchanges 0.1% 0.1% 0.1%
Other Debt securities transactions
Other Debt securities transactions 0.1% (min. 20 EUR) 0.1% (min. 20 EUR) 0.1% (min. 20 EUR)
Stock transactions (incl. ETF, ETN, ETC, ADR, GDR):
Stock transactions (incl. ETF, ETN, ETC, ADR, GDR):
at Baltic exchanges
at Baltic exchanges Free of charge 0.3% 0.3%
European, Scandinavian exchanges
European, Scandinavian exchanges Free of charge 0.3% (min. 20 EUR) 0.3% (min. 20 EUR)
At USA and Canadian stock exchanges
At USA and Canadian stock exchanges Free of charge 0.04 USD/CAD per share (min. 25 USD/CAD) 0.04 USD/CAD per share (min. 25 USD/CAD)
Transaction with shares of funds:
Transaction with shares of funds:
Transaction with shares of CBL Asset Management funds
Transaction with shares of CBL Asset Management funds Free of charge Free of charge Free of charge
Transaction with Baltic fund shares
Transaction with Baltic fund shares Free of charge 0.3% 0.3%
Transaction with other fund shares
Transaction with other fund shares Free of charge 0.3% (min. 20 EUR) 0.3% (min. 20 EUR)

1 For debt securities fee is calculated of the nominal value, for other instruments out of transaction value.

See full price list

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Financing of up to 90% for the purchase of a vehicle. Great terms even if you are not a Citadele customer. Apply and receive a reply within 2 hours.
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