Logo de Allianz Seguros en Murcia - Agencia Antonio Martínez Ballester
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Logo de Allianz Seguros en Murcia - Agencia Antonio Martínez Ballester
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Logo de Allianz Seguros en Murcia - Agencia Antonio Martínez Ballester
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Woman reading calmly on the grass, having delegated her investments to Allianz ActiveInvest portfolios

Allianz ActiveInvest Portfolios in Spain
your savings managed by experts

Allianz ActiveInvest Portfolios in Spain
your savings managed by experts

Markets change constantly, and a sensible investment today can look very different tomorrow. With Allianz ActiveInvest you delegate the full management of your savings to the experts at Allianz Global Investors, who select, combine and continually rebalance the funds in your portfolio according to your profile. You don’t need to follow the Spanish or global markets: your only job is to enjoy life, with advice in English from our agency in Murcia.

Delegate the management of your savings to Allianz Global Investors: three ready-made portfolios, continuous rebalancing and advice in English.

Find my investor profile

Management fully delegated to Allianz Global Investors icon

Management fully delegated to Allianz Global Investors

Multi-asset strategy: shares, bonds and more icon

Multi-asset strategy: shares, bonds and more

3 portfolios matched to your risk tolerance icon

3 portfolios matched to your risk tolerance

Portfolios

Three portfolios designed for every type of investor

Defensive Portfolio (~25% equities) icon

Defensive Portfolio (~25% equities)

The most stable portfolio in the range. Mainly invested in fixed income and lower-risk assets, it aims to preserve capital while seeking a moderate return above what a bank savings account pays. Ideal if you value stability over maximum return.

Balanced Portfolio (~50% equities) icon

Balanced Portfolio (~50% equities)

The preferred choice for moderate investors. It splits exposure roughly 50/50 between equities and fixed income, looking for the right balance between potential return and controlled volatility. The managers adjust the weights dynamically as market conditions change.

Dynamic Portfolio (~75% equities) icon

Dynamic Portfolio (~75% equities)

The portfolio with the highest growth potential, mainly invested in global equities. Designed for investors with a long time horizon and a higher tolerance for market swings, who want to make the most of long-term stock market growth.

How it works

Three steps to put your savings in expert hands

We define your profile icon

We define your profile

Your adviser looks at your financial situation, time horizon and risk tolerance to identify which of the 3 portfolios suits you best.

The experts manage it icon

The experts manage it

The Allianz Global Investors team selects the funds, combines them in your portfolio and rebalances them continuously, without you having to do anything.

Your savings work for you icon

Your savings work for you

You get on with life. The managers watch the markets and adapt the portfolio across bonds, equities, convertibles and long-term themes in every cycle, and we review it with you regularly.

Good to know

Delegating your investments from Spain: four things to know

No need to follow Spanish markets icon

No need to follow Spanish markets

ActiveInvest suits expats who want their savings invested professionally without reading Spanish financial news or managing funds themselves. We explain every statement and review in English.

No need to follow Spanish markets icon

No need to follow Spanish markets

ActiveInvest suits expats who want their savings invested professionally without reading Spanish financial news or managing funds themselves. We explain every statement and review in English.

Change profile as your life changes icon

Change profile as your life changes

Approaching retirement or ready for more risk? You can move to another ActiveInvest portfolio, and for Spanish tax residents switches between funds are normally tax-free thanks to the traspaso regime.

Change profile as your life changes icon

Change profile as your life changes

Approaching retirement or ready for more risk? You can move to another ActiveInvest portfolio, and for Spanish tax residents switches between funds are normally tax-free thanks to the traspaso regime.

One portfolio instead of scattered savings icon

One portfolio instead of scattered savings

Instead of savings spread across several countries and platforms, a single portfolio in Spain is easier to follow, and you receive the annual tax information you need for your Spanish tax return.

One portfolio instead of scattered savings icon

One portfolio instead of scattered savings

Instead of savings spread across several countries and platforms, a single portfolio in Spain is easier to follow, and you receive the annual tax information you need for your Spanish tax return.

Your profile is tested first (MiFID II) icon

Your profile is tested first (MiFID II)

Before you invest, we carry out the official suitability test with you. The quick test on this page is only a first indication; the full one can be done in English, in person or by video call.

Your profile is tested first (MiFID II) icon

Your profile is tested first (MiFID II)

Before you invest, we carry out the official suitability test with you. The quick test on this page is only a first indication; the full one can be done in English, in person or by video call.

Find your ActiveInvest portfolio in 2 minutes

Answer these 5 simple questions to get a first idea of your investor profile and the strategy that best fits your goals and time horizon.

Question 1 of 5

How long do you plan to keep this investment without touching it?

Finding your
ideal portfolio...

FAQs

Investing in ActiveInvest: frequently asked questions

What exactly is ActiveInvest?
It's a managed portfolio built from funds rather than individual shares, a 'fund of funds' approach. You make the initial decision about your profile and, from then on, a team of specialists manages your money according to pre-defined investment policies.
Who actually manages my money in ActiveInvest?
Investment decisions aren't made by an algorithm but by Allianz Global Investors, one of the world's leading active asset managers, with hundreds of investment professionals around the world and more than €500 billion in assets under management.
Why delegate to ActiveInvest instead of buying individual funds?
Because the portfolio adapts. The managers regularly review the funds in your portfolio and, when economic conditions change, adjust positions and rebalance without you having to request changes or follow the financial news.
Can I see how my investment is doing?
Yes. You can check the value and movements of your investment online through the Allianz funds platform, and you receive a detailed quarterly statement. We also review it with you, in English, whenever you want.
What kind of assets do the managers invest in?
The portfolios combine several asset classes. Depending on the market, they invest in fixed income (euro government and corporate bonds, high-yield and convertible bonds), equities and global themes such as water or artificial intelligence. This multi-asset approach helps cushion sharp market swings.
Is the Allianz Group financially solid?
Allianz is one of the world's largest insurance and asset management groups, with a Solvency II ratio above 200% and an 'AA' financial strength rating from S&P. In a fund portfolio, your units are also legally separate from the manager's own assets.
What level of risk do I take with ActiveInvest?
It depends on the portfolio you choose: Defensive, Balanced or Dynamic. Investing always involves risk: market movements affect the value of your portfolio and returns are not guaranteed. The managers follow clear risk rules to keep exposure within the profile you've agreed.
Can I invest regularly or only once?
Both. You can combine an initial amount with regular monthly or quarterly contributions, which helps you keep building your savings and average out your purchase price over time.
What if my risk profile changes over the years?
The portfolios adapt to you. If you're approaching retirement and want less risk, or prefer a more dynamic profile, we can move you to another ActiveInvest portfolio. For Spanish tax residents this switch is normally made without tax cost thanks to the traspaso regime.
How do you make sure the portfolio is right for me?
Before you sign anything, our adviser carries out the MiFID II suitability test with you: your financial situation, savings goals, attitude to risk and investment knowledge. We only recommend the portfolio that fits your circumstances, and we can do it all in English.

Allianz Global Investors

The strength of a world-class asset manager

More than €500 billion in assets under management icon

More than €500 billion in assets under management

An ESG pioneer with more than 25 years of experience icon

An ESG pioneer with more than 25 years of experience

Roots going back to 1955 icon

Roots going back to 1955

Active in more than 35 markets icon

Active in more than 35 markets

Part of the Allianz Group icon

Part of the Allianz Group

AMB Seguros is an exclusive Allianz agency in Murcia helping expats and local families build their savings with Allianz ActiveInvest portfolios. Our certified investment advisers help you identify your profile, choose the right portfolio and monitor its progress in English, while the experts at Allianz Global Investors manage it for you.

This is a marketing communication. Past performance is not a reliable indicator of future results. Investing involves risk: the value of units can go down as well as up, and investors may not get back the amount originally invested. Read the fund prospectus and the key information document (KID) before making any final investment decision. Allianz Global Investors GmbH, Sucursal en España, regulated by BaFin and the CNMV.

Up to 12% OFF your TRAVEL INSURANCE

05d11h34m32s

Up to 12% OFF your TRAVEL INSURANCE

05d11h34m32s