Group customers:
The person in charge of the group/organization/company sends us an Excel file with the basic data of the investors (name, surname, IQ, telephone number and e-mail address).

Individual customers:

From CADIEM's website, investors interested in being part of the Mutual Fund For All, leave us their basic information (name, surname, IQ, telephone number and email address).

Group/individual clients:
Each interested investor receives an email with a link to complete their client registration form and sign their Subscription Contract electronically. The only document required is an identity card.

Once the account is created in the Fondo Mutuo Para Todos System, the investor will receive the Agreement and Internal Regulations by e-mail, along with the account number and a reminder to pay the one-time entry fee in order to start investing.

The accounts are individual, regardless of whether the investor has joined through a company. Therefore, if an investor leaves the company, but wants to remain part of the Fondo Mutuo Para Todos, he/she must inform CADIEM to stop being a group client and become an individual client.

The minimum monthly contributions will be G. 300,000. Once this monthly contribution has been made, investors may make additional contributions for a minimum of G. 100,000.

There is no penalty of any kind. The objective of the Fondo Mutuo Para Todos is to encourage the habit of saving and investing through rewards that motivate the investor, and not through penalties or punishments.

Each investor will choose a date range in which they think they can make their contributions: 1-10, 11-20, 21-31. If the investor's contribution does not fall within that range, the system will automatically send reminders via the App/SMS. If the investor's contribution enters the fund during the month, he/she will be eligible for the commitment award. The date range is only referential in order to send reminders.

Investors who have contributed at least once a month for 12 months are rewarded for their perseverance. In other words, for those investors who were consistent and managed to contribute at least once a month for a year, the fund will yield them 7,50%.

This reward of 0.50% is applicable for each year. In other words, if the investor did not contribute in month 6, he/she will not be eligible for the first year (months 1 to 12), but if he/she contributes every month from month 13 to 24, he/she will be granted the 0.50% premium.

There is no penalty, but you will not be eligible for the commitment award either. You cannot catch up to have the +0.50%.

Yes, it can be modified. If an investor contributes G. 500,000 monthly and one month contributes G. 300,000, he/she will still be able to receive the commitment award. The amount of the monthly contribution can be increased and reduced, as long as it is equal to or greater than the minimum amount of G. 300,000.

Yes, it is necessary to have an account with a bank, finance company or credit union.

Currently, it is only possible to open one individual account per participant.