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Exchange traded funds (ETF)


ETFs are increasingly gaining popularity in global financial markets. It is a cost-effective way to indirectly invest in the stocks of a specific region, sector, or commodity (e.g., gold, oil). Unlike regular funds, ETFs have no entry or exit fees and stock transactions service charges apply when trading. Historically, stock markets have offered the highest rate of return, at the same time stock investments are generally also with a higher risk than the investment funds.

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  • Ability to indirectly trade in securities or other assets on various global markets
  • Typically lower management fees and commissions than actively managed funds
  • With this instrument you can quickly respond to market changes by real-time trading, i.e., buy or sell the units when you have a need
  • These funds are not actively managed; therefore, the return on investments directly depends on the general market trends
  • Fluctuations of the return on investments are higher in comparison to the change in the price of debt securities or units of traditional investment funds. There is a risk of losing the funds invested or part of them
  • It is traded on foreign markets; therefore, exchange rate fluctuations may influence the return on investments 




Pricing of investment products depends largely on the market you are planning to invest in. However, you should consider with the following fees and charges:

  • Securities account opening, which is free of charge
  • Brokerage fee when you buy or sell
  • Monthly safekeeping fee 
  • ETF’s ongoing charge
  • A financial transaction tax may apply in some countries

Learn more about bank's fees (PDF)

Learn more about fund costs and fees in the prospectus or other document of the fund you want to use, as well as in the ex ante cost and fee report   

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