Important Information and Guidelines on Investments
Before you invest in funds or stocks, it is absolutely critical to be well informed about the rules, costs, and risks. Below you will find summaries and links to the official guidelines detailing how Quartal handles securities trading, advisory services, and conflict resolution.
Investments involve risk. Past performance is no guarantee of future returns.
Official Directives and Regulations
MiFID and MiFIR (Directive on Markets in Financial Instruments)
MiFID and MiFIR are the core EU regulations governing financial markets and investment services across Europe. These strict regulations mandate how banks and securities firms must handle investments and provide advisory services. The rules are designed to ensure maximum transparency, stabilize financial markets, and provide retail customers with rigorous protection when buying securities.
Guidelines for Order Execution
Quartal follows strict best execution guidelines. When you place an order to buy or sell securities, we are legally required to execute the transaction under the most favorable conditions available for you at that specific time.
Guidelines for Conflicts of Interest
Quartal proactively works to prevent conflicts of interest between the bank, its employees, and its customers. We enforce strict internal ethical guidelines. If a conflict of interest does unavoidably arise, it is handled transparently to ensure the individual customer’s financial interests are never disadvantaged.
Terms for Savings Services
For detailed information regarding specific fund savings, including the automated savings robot Nora, the Fund Selector, or Framtidskapital Child Savings, please refer to the specific legal agreements provided during the onboarding process for those services.
Key Information Documents (PRIIPs KIDs)
Every packaged financial product we offer includes a standardized Packaged Retail Investment and Insurance-based Products Key Information Document (PRIIP KID). These mandatory fact sheets clearly outline the product’s exact costs, risk class, and potential performance scenarios to help you make well informed decisions.
