Spiko Treasury Bills
Accedeix al tipus d'interès lliure de risc en EUR, GBP o USD a través dels nostres fons del mercat monetari a curt termini invertits íntegrament en lletres del tresor.
Dades clau
*Rendiment net anualitzat (després de comissions) dels darrers 31 dies. Els rendiments s'actualitzen diàriament i poden variar lleugerament en funció dels tipus del Tresor. La rendibilitat passada no és indicativa de resultats futurs.
La teva seguretat és la nostra prioritat
Els vostres diners s'inverteixen exclusivament en els actius financers més segurs disponibles: lletres del tresor a curt termini de països centrals de la zona euro. A més, els vostres fons estan protegits per un dels bancs custodis més grans del món. Spiko no té mai els vostres diners en custòdia.
Actius subjacents
Els nostres socis
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Característiques del producte
Preguntes freqüents
How do you calculate daily interest?
An independent third party - the accountant of Crédit Agricole’s custody arm - handles the calculations. Every business day, the fund’s Treasury Bill portfolio is marked to market. Your position is represented by shares with a daily-updated net asset value.
How do you provide daily access to my funds?
Daily liquidity is contractually guaranteed by the fund's prospectus. Spiko T-Bills EUR invests exclusively in Treasury Bills from core Eurozone countries, whose market is the most liquid in the world after the foreign exchange market, making it easy to meet withdrawal requests.
Are my funds fully protected?
Your funds are backed by Treasury Bills from core Eurozone countries and are at risk only in the unlikely event of a default by one of these countries. We back your money with Treasury Bills rather than bank deposits because we believe a sovereign guarantee is stronger than any bank guarantee.
How would I access my funds if Spiko goes bankrupt?
First and foremost, you have no financial exposure to Spiko’s insolvency, as your funds are never on Spiko’s balance sheet. When you deposit funds, they are transferred directly from your checking account to the depositary bank. Likewise, withdrawals are sent straight from the depositary bank to your designated bank account. The account must be in your name, as Spiko cannot be used as a payment method.
That said, Spiko’s insolvency could affect you operationally, as the platform might no longer be available for placing withdrawal orders, for example. Fortunately, Spiko’s products are regulated and supervised by the French Financial Markets Authority (AMF), and their operation does not depend on the distributor. In practice, you can always place your withdrawal orders through the management company by phone or email.
What are the fees associated with using Spiko?
The only fee for using Spiko is a 0.25% annual management fee on your deposited funds, deducted daily on a prorated basis. The interest you see each day is always shown after this fee has been deducted. You have no fees associated with having an account open at Spiko. You also have no transaction fees on your deposits and withdrawals. Finally, you also have no custody fees.
Can I use Spiko as an individual?
Absolutely! You can create an account and start using Spiko right away. If you own a company, you can manage personal and business accounts from a single interface. Each account remains separate, so funds cannot be mixed.
Where can I find the product’s legal documentation?
You can find the prospectus and the key information document (KID) here.