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.
Ingressa i retira en GBP (£) o EUR (€) sense comissions de canvi de divisa
Ingressa i retira en GBP o EUR. Si prefereixes utilitzar euros en lloc de lliures, es convertiran automàticament a lliures sense comissions de canvi ni marges, utilitzant el tipus de referència de Bloomberg de les 10:30 CET del dia en què es rebin els teus fons.
La teva seguretat és la nostra prioritat
Els seus diners s'inverteixen exclusivament en els actius financers més segurs disponibles: lletres del tresor britànic a curt termini. A més, els seus fons estan protegits per un dels bancs custodis més grans del món. Spiko no té mai els seus 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 Pound invests exclusively in Treasury Bills, 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 UK Treasury Bills and would only be at risk in the unlikely event that the UK government defaults on its short-term debt. 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?
When you deposit funds, they go directly from your checking account to the custodian bank. Similarly, when you withdraw, the funds are sent directly from the custodian bank to your chosen bank account. Because your funds are never on Spiko’s balance sheet, Spiko’s failure would have no impact on them. In the unlikely event that you cannot place a withdrawal through the Spiko interface, you can request your funds directly from the management company by phone or email. The management company is supervised by the French Financial Markets Authority (AMF) and has a business continuity plan in place to ensure customers always have access to their funds.
Does using Spiko involve any fees apart from the fund management fees?
No. The Spiko account is completely free. There are no fees on deposits or withdrawals, and no account maintenance or custody charges. Management fees are deducted daily on a prorated basis. The interest displayed each day is always shown net of these fees.
Can I open an account 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.