Frequently Asked Questions
If you do not find your question solved, do not hesitate to contact us.

Why trust Buy & Hold?
Because at Buy & Hold we have consistent management results over time outperforming benchmark indexes, both in terms of higher returns and lower volatility. We are an authorized, supervised and audited firm.
Could I lose money on my investment?
That possibility exists. None of the products we offer guarantee your investment. However, Buy & Hold managers would not invest their money in these products if thinking they would not obtain gains.
Is there any minimum for start investing?
The minimum initial amount is equivalent to the value of one share of our funds, with no minimum for subsequent contributions.
Are there any subscription or redemption fees?
Absolutely no. Our fees are low in order to improve returns from our products.
How can I invest in your products?
You can invest in our products by clicking “Invest.” You can also use our toll-free number: 900 550 440 and our email address: relacionconinversores@buyandhold.es.
You can also invest in our Luxembourg-domiciled funds via Abanca, Andbank, Banca March, Bankinter, Caixabank, Caja Rural, Caser, Creand, Diaphanum, EBN Banco, GPM, Ironia Fintech, Julius Baer, Mapfre, Mutuactivos, MyInvestor, Openbank, Renta 4, Sabadell, Santander, Singular Bank, Tressis, Unicaja and others.
Which entity is in charge of depository?
UBS is in charge of depository for all the investments we make in our Luxembourg-domiciled investment funds. At our Spain-domiciled funds, Inversis.
Does any of your funds fit better for a conservative profile?
B&H Debt (and its Spain-domiciled replica, B&H Deuda) is our most conservative fund, seeking to outperform Spanish Treasury bill yields by investing in 100% investment-grade bonds.
Still in bonds, with a moderate profile, are our B&H Bonds fund (and its Spaini-domiciled replica, B&H Renta Fija) have significantly outperformed the market for a decade with an active management on corporate bonds.
Which are the risk levels for Buy & Hold funds?
Our most conservative fund is B&H Debt (and its Spain-domiciled replica B&H Deuda), which seeks to outperform Spanish Treasury bill returns by investing in bonds with the highest credit quality.
Still in bonds, with a moderate profile, our B&H Bonds (and its Spain-domiciled replica B&H Renta Fija), which significantly outperforms the markets for a decade with active management on corporate bonds.
For a slightly more aggressive profile, our B&H Flexible mixed fund achieves returns comparable to stock market investments with half its volatility thanks to the combination of our best stocks and bonds ideas.
Finally, for investors with a greater tolerance for volatility and a longer time horizon, our B&H Equity (and its Spain-domiciled replica B&H Acciones), which invests in our highest-conviction, highest-potential ideas in quality global stocks at a reasonable price.
Do you have any pension plans?
Our B&H Jubilación pension plan combines our highest-potential and most solvent investments, both in bonds and stocks, with a long-term horizon to build your retirement financial well-being.
Why to invest in our funds?
Investing in a Buy & Hold fund provides portfolio diversification from a very little money amount and with very low management fees. With our five products, we cover the potential investment needs of different profiles and time horizons. Furthermore, our funds offer tax deferral advantages for individuals, unlike other investment or saving products.
Is it possible to invest in periods of less than six months?
Yes, it is. Nevertheless, we recommend a minimum period of two years at in our bonds strategy to better capture its appreciation potential. In our mixed strategy, we advise a minimum period of four years. Whereas to obtain the full potential of our equity strategy, we indicate a minimum period of six years.
Is it possible to modify my investment portfolio in Buy & Hold funds?
Our products with fewer risk are B&H Renta Fija FI and B&H Bonds LU.
What happens if I want to withdraw my investment?
You can withdraw your investment at any time, simply by calling our toll free number 900 550 440 or by sending us an email to info@buyandhold.es.
How are capital gains taxed?
Capital gains are currently taxed at a rate of 19%.
How are transfer transactions taxed?
How long will it take me to see my position after a trade is done?
From the time you make the transfer in a subscription order 48h. Being able to access your customer area at any time where you will see the status of the same.
In the case of a transfer order, the average estimated time is approximately 10 calendar days.
Are our Luxembourg-domiciled funds transferable?
Yes. Our Luxembourg funds are investment funds that comply with European UCIT regulations and can therefore be transferred from any investment fund and vice versa.
Will I have to file 'Modelo 720' for Spanish 'Hacienda' if invested in Luxembourg-domiciled funds?
Our Luxembourg funds are registered with the CNMV (Comisión Nacional del Mercado de Valores) and, therefore, if you subscribe through any Spanish marketer, you do not have to file the 720 form. By marketer we mean the main banking entities, i.e. banks, securities brokerage firms, securities companies, etc…
We are an independent fund
management company.
management company.
The basis of our investments.

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