APS Regular Income Ethical Fund

APS Bank Ethical Fund

An ethical investment adds strong ethical considerations to sound financial analysis. It combines a number of positive values for inclusion, such as organisations that ensure a responsible approach to social, environmental, and governance issues. Ethical funds also actively exclude those entities that are known to harm society.

The APS Regular Income Ethical Fund endeavours to maximise the total return to investors, minimising the volatility of the portfolio whilst having regard to attaining a desirable level of liquidity, following Ethical principles according to the Ethical Policy. The Fund invests primarily in government and corporate bonds in any currency, which may be at a fixed or floating rate, rated or unrated, and in direct equities. It may also hold selected CISs, deposits and cash. The Fund is targeted for investors who want to assume low to moderate levels of risk and are willing to hold their investment for the medium to long term. The Fund is the only retail ethical fund licensed in Malta. This means that you are safe in the knowledge that your money is being invested in companies that behave ethically and responsibly.

 Investment approach

The Fund has the responsibility to select properly run companies and entities that add value and provide a sustainable investment return. Apart from the financial analysis, the Fund adopts positive screening criteria to select the investments. The Fund also adopts stringent criteria for sovereign issuers.Institutions operating in sectors or industries which are harmful to society are excluded from the investment portfolio of the Fund. We are committed to investing only in organisations that do not harm the well-being of society at large and that score highly in ESG (Environmental, Social and Governance) factors, ensuring proper business sustainability.

How may I invest?

We understand that every investor has different objectives. You can invest in the APS Regular Income Ethical Fund in two different ways:

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Savings Plan


If you would like to invest smaller sums or are looking at a savings plan, we offer the APS Regular Income Ethical Fund in the form of a monthly savings plan. From as little as €50 every month, this approach helps you build a portfolio in manageable monthly investments.

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Lump Sum Package


Starting from a minimum investment of €2,000, this approach is perfect for you if you would like to invest a lump sum.


Take your time to evaluate which approach suits you best. Our professional team is focused on providing you with sound investment advice.


The value of the investment may fall as well as rise and currency fluctuations may also affect the value of the investment. Past performance is not a guarantee of future performance. Income and frequency of payments are not guaranteed. Investments are to be based on the full details of the Prospectus, APS Regular Income Ethical Fund Offering Supplement and KIIDs, which may be obtained from APS Bank plc, any of its branches and other licensed investment intermediaries, or www.apsfunds.com.mt. Any initial or exit fees that may apply may lower the amount invested and the amount received upon redemption. APS Funds SICAV plc is managed by ReAPS Asset Management Limited, a subsidiary of APS Bank plc, and licensed to provide investment services in Malta by the MFSA. APS Funds SICAV plc. and APS Regular Income Ethical Fund are licensed by the MFSA as a collective investment scheme pursuant to the Investment Services Act and the UCITS Directive. Terms and conditions apply and are available on request. Issued by APS Funds SICAV plc of APS Centre, Tower Street, Birkirkara BKR 4012, Malta.

 

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No information contained on this webpage should be deemed to constitute the provision of any form of advice nor does it constitute solicitation and/or an offer to buy, sell or otherwise deal in any investment. Any investment should be based on the full details of the relevant Prospectus and Supplement thereto and viewers are strongly advised to seek professional advice. Performance figures quoted refer to the past and past performance is not a guarantee of future performance. Income and frequency of payments may vary and are not guaranteed. The value of investments may rise as well as fall and currency fluctuations may affect the value of the investment. Any initial charges and any exit fees that may apply may lower the amount invested and the amount received upon redemption. APS Income Fund is considered as a prescribed fund and holds at least 85% of investments in assets held in Malta and enjoys certain tax benefits over direct investments. The levels and basis of taxation are dependent on individual circumstances and subject to change and therefore it is highly recommended that professional tax advice be sought. APS Funds SICAV p.l.c. and its sub-funds are licensed by the MFSA as a collective investment scheme pursuant to the Investment Services Act and the UCITS Directive. APS Funds SICAV p.l.c. is managed by ReAPS Asset Management Limited, a subsidiary of APS Bank plc, and licensed to provide investment services in Malta by the Malta Financial Services Authority (‘MFSA’).

 

 

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APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994 and to carry out Investment Services activities under the Investment Services Act 1994. The Bank is also registered as a Tied Insurance Intermediary under the Insurance Distribution Act 2018.