MeDirect Bank Malta continues to enhance the range of investment options available to customers with the introduction of its new Model Portfolios service. This innovative offering allows customers to select from a range of portfolios, based on their preferred risk profile. Options range from cautious to balanced and dynamic with the funds featured in each portfolio managed by renowned asset managers.
The fact that customers can opt for different portfolio options, each containing expertly managed funds, ensures customers have the freedom to select the investment that best suits their goals. This builds on MeDirect’s longstanding mission, reflected in its broad range of investment and banking products, to give customers the tools and information they need to build wealth with autonomy.
Global Expertise
MeDirect’s Model Portfolios are analysed and managed by three globally recognised investment firms. These are Morningstar, Aegon and Liontrust. Each of these offers investors different options with Morningstar which is renowned for its independent and transparent research and analysis on over 600,000 investments providing a range of portfolios investing globally. Aegon, meanwhile has a deep expertise in life insurance, pensions, and asset management and has partnered with MeDirect to provide Model Portfolios that deliver regular income. Liontrust is a specialist fund management company established in 1995 and together with MeDirect will provide Model Portfolios that specialise in sustainable investment strategies that seek long-term growth while promoting positive environmental and social impact.
Accessibility and Flexibility
Among the many benefits of MeDirect’s Model Portfolios are the accessibility and flexibility offered to customers. To select an Aegon or Liontrust Model Portfolio, an initial investment of just €100 is all that is required, to which monthly contributions can then be added. These contributions can also be as little as €100 a month. The minimum investment for a Morningstar Model Portfolio is €1,000, with optional monthly contributions also starting from €1,000. Customers will have complete freedom to change their monthly contributions, deposit additional funds or make withdrawals at any time without incurring any additional charges. For an initial limited three-month period, MeDirect is also waiving all entry fees.
Income or Accumulator
Investors can choose between Income and Accumulator funds, depending on their financial goals. Income funds, which are the primary focus of Aegon, aim to deliver regular payouts rather than capital growth, making them ideal for those seeking a consistent income stream. In contrast, Accumulator funds reinvest earnings to support long-term wealth accumulation. This flexibility ensures that investors can select the approach that best aligns with their financial objectives.
Sustainability Focus
For those investors who prioritise sustainability, Liontrust offer Model Portfolios with a selection of funds that focus on sustainable investments. These funds are designed to generate long-term returns while contributing positively to environmental and social outcomes. Choosing a Model Portfolio with a sustainability focus doesn’t mean compromising on returns — these investments are still thoughtfully designed with profitability in mind, while also supporting positive environmental and social outcomes.
Confidence in diversified investments
With Model Portfolios, clients can diversify their investments by choosing from a variety of options, featuring funds that match their risk tolerance and investment goals. They can do this starting with just €100 and, until 30th September 2025, without incurring any entry fees. MeDirect’s Model Portfolios also provide access to funds which are managed by some of the world’s best experts with a strong track record in asset management, providing clients with confidence in their investment choices.
Jean-Claude Maher, Group CEO at MeDirect, said, “MeDirect’s new Model Portfolios service represents an important step forward in empowering clients to achieve their financial goals through well-structured and expertly managed investment options. Whether building wealth, seeking income, or prioritising sustainability, MeDirect customers now have yet another option to navigate their investment journey with confidence and clarity.”
For more information about the Model Portfolios service, visit https://www.medirect.com.mt/invest/model-portfolios/
Model portfolios are made up from a basket of mutual funds that are manufactured by multiple fund houses and distributed by MeDirect Bank (Malta) plc.
When investing you may lose some or all of the money you invest. The value of your investment may go down, as well as up. Any income you get from this investment may go down, as well as up. A commission or sales fee may be charged at the time of the initial purchase for an investment. Any decision to invest should always be based upon the details contained in the Prospectus and Key Information Document (KID) of the funds making up the model portfolio.
MeDirect Bank (Malta) plc, company registration number C34125, is regulated by the Malta Financial Services Authority and is licensed to undertake the business of investment services under the Investment Services Act (Cap. 370).
MeDirect Bank (Malta) plc, The Centre, Tigné Point, Sliema, TPO 0001, Malta.
MeDirect jespandi l-offerta ta’ investiment bit-tnedija tal-Model Portfolios
Il-Bank Malti MeDirect qed ikompli jtejjeb il-firxa ta’ għażliet ta’ investimenti għall-klijenti tiegħu bl-introduzzjoni ta’ Model Portfolios ġodda. Dan il-prodott innovattiv jippermetti lill-klijent jagħżel minn numru ta’ portafolli, ibbażati skont il-profil tar-riskju preferut tagħhom. Ghalhekk l-għażliet tal-investiment ivarjaw minn approcc kawt għal wieħed bilanċjat jew dinamiku bil-mutual funds (jew fondi ta’ investiment) li jidhru f’kull portafoll immaniġġjati minn ‘fund houses’ rinomati.
Il-fatt li l-klijenti jistgħu jagħżlu minn firxa ta’ portafolli differenti, li kull wieħed minnhom fih fondi ta’ investment immaniġġjati b’mod espert, jiżgura li l-klijenti jkollhom il-libertà li jagħżlu l-investiment li bih ikunu komdi u li jaqbel l-aħjar mal-għanijiet finanzjarji tagħhom. Dan jibni fuq il-missjoni fit-tul ta’ MeDirect, li tidher fir-rikkezza tal-prodotti tiegħu ta’ investiment u bankarji, biex jipprovdi lill-klijenti l-għodod u l-informazzjoni li jeħtieġu biex jibnu l-ġid tagħhom b’mod indipendenti.
Għarfien Espert Globali
Il-Model Portfolios ta’ MeDirect huma analizzati u mmexxija minn tliet kumpaniji ta’ fama internazzjonali fil-qasam tal-investiment: Morningstar, Aegon u Liontrust. Kull waħda minn dawn toffri lill-investituri għażliet differenti. Morningstar huma magħrufa għar-riċerka indipendenti u trasparenti tagħha fuq aktar minn 600,000 investiment, u tipprovdi firxa ta’ portafolli li jinvestu globalment. Aegon, b’esperjenza profonda fl-assigurazzjoni tal-ħajja, il-pensjonijiet, u l-immaniġġjar tal-assi, qed tikkollabora ma’ MeDirect biex tipprovdi Model Portfolios li jagħtu dħul regolari. Liontrust, li twaqqfet fl-1995, hija kumpanija speċjalizzata fil-fund management u flimkien ma’ MeDirect se toffri portafolli ffukati fuq strateġiji ta’ investiment sostenibbli li jfittxu tkabbir fit-tul u impatt pożittiv fuq l-ambjent u s-soċjetà.
Aċċessibbiltà u Flessibbiltà
Wieħed mill-vantaġġi ewlenin tal-Model Portfolios ta’ MeDirect hu l-aċċessibbiltà u l-flessibbiltà li joffru lill-klijenti. B’investiment inizjali ta’ €100 biss, wieħed jista’ jagħżel Model Portfolio ta’ Aegon jew Liontrust, u jista’ jżid kontribuzzjonijiet kull xahar li wkoll jibdew minn €100. Għal dawk li jagħżlu Model Portfolio ta’ Morningstar, l-investiment inizjali minimu huwa ta’ €1,000, bil-possibiltà ta’ kontribuzzjonijiet ta’ kull xahar li wkoll jibdew minn €1,000.
Il-klijenti se jkollhom libertà sħiħa biex jibdlu l-ammont tal-kontribuzzjonijiet tagħhom, iżidu fondi addizzjonali jew jiġbdu l-flus fi kwalunkwe ħin, mingħajr ma jeħlu spejjeż żejda. B’mod limitat għall-ewwel tliet xhur, MeDirect ukoll mhux se jżomm ħlas tat-transazzjoni biex wieħed jixtri l-model portfolio.
Income jew Accumulator
L-investituri jistgħu jagħżlu bejn żewġ tipi ta’ funds – dawk li joffru dħul regolari (income), jew dawk li jimmiraw għal tkabbir fit-tul (accumulator). Il-fondi bi dħul regolari, li huma l-ispeċjalità ta’ Aegon, huma mfassla biex jagħtu ħlasijiet regolari lil dawk li jippreferu fluss ta’ dħul stabbli minflok tkabbir fil-kapital. Min-naħa l-oħra, il-fondi akkumulattivi jerġgħu jinvestu l-qligħ biex jgħinu fil-bini ta’ ġid fit-tul. Din il-flessibbiltà tippermetti lill-investituri jagħżlu dak li jaqbel l-aktar mal-għanijiet finanzjarji tagħhom.
Fokus fuq is-Sostenibbiltà
Għal dawk li japprezzaw investimenti b’impatt pożittiv fuq l-ambjent u s-soċjetà, Liontrust joffru Model Portfolios magħżula b’mod speċjali li jiffokaw fuq investimenti sostenibbli. Dawn il-portafolli huma maħsuba biex joffru qligħ fit-tul, u fl-istess ħin jikkontribwixxu għal riżultati sostenibbli. L-għażla ta’ portafoll sostenibbli ma tfissirx li tikkomprometti l-qligħ — dawn l-investimenti jibqgħu mfassla b’mod strateġiku biex jagħtu r-riżultati finanzjarji mixtieqa, u fl-istess waqt iħallu impatt pożittiv fuq id-dinja ta’ madwarna.
Fiduċja f’investimenti diversifikati
Permezz tal-Model Portfolios, il-klijenti jistgħu jiddiversifikaw l-investimenti tagħhom billi jagħżlu minn għażliet varji ta’ fondi li jaqblu mal-profil tar-riskju u l-għanijiet finanzjarji tagħhom. B’investiment inizjali ta’ €100 biss, u sat-30 ta’ Settembru 2025 mingħajr ebda tariffa biex tidħol, il-klijenti jistgħu jibdew il-vjaġġ tagħhom fl-investiment b’aktar flessibbiltà u faċilità. Il-Model Portfolios ta’ MeDirect jagħtu wkoll aċċess għal funds immexxija minn wħud mill-aqwa speċjalisti fid-dinja f’dan is-settur, b’rekord qawwi fil-qasam tal-fund management—u li għalhekk għandu jsaħħaħ il-fiduċja f’dak li fih tkun qed tinvesti.
Jean-Claude Maher, CEO tal-Grupp MeDirect, qal: “Is-servizz il-ġdid tal-Model Portfolios jirrappreżenta pass sinifikanti fit-triq li tagħti aktar saħħa lill-klijenti biex jilħqu l-għanijiet finanzjarji tagħhom, b’għażliet imfassla b’attenzjoni u mmexxija minn esperti fil-qasam. Kemm jekk biex ikabbru l-kapital, u kemm jekk qed ifittxu dħul regolari, jew biex jagħtu prijorità lis-sostenibbiltà, il-klijenti ta’ MeDirect issa għandhom għodda oħra biex jinnavigaw l-investimenti tagħhom b’kunfidenza u ċarezza.”
Għal aktar informazzjoni dwar is-servizz tal-Model Portfolios, żur https://www.medirect.com.mt/invest/model-portfolios/
Il-Model Portfolios huma magħmulin minn basket ta’ fondi ta’ investiment kollettiv (mutual funds) maħluqa minn diversi fund houses u mqassma permezz ta’ MeDirect Bank (Malta) plc
Meta tinvesti, hemm il-possibbiltà li titlef parti jew saħansitra l-investiment kollu tiegħek. Il-valur tal-investiment jista’ jonqos kif ukoll jogħla, u l-qligħ li tista’ tirċievi jista’ wkoll jinbidel ’l isfel jew ’l fuq. Tista’ tiġi ċċarġjat kummissjoni jew tariffa fuq il-bejgħ fil-ħin tax-xiri inizjali tal-investiment.
Kull deċiżjoni ta’ investiment għandha tittieħed biss wara li wieħed jikkunsidra d-dettalji kollha fil-Prospett u d-Dokument Ewlenin tal-Informazzjoni (KID) tal-fondi li jiffurmaw il-Model Portfolio.
MeDirect Bank (Malta) plc, bin-numru ta’ reġistrazzjoni C34125, huwa regolat mill-Awtorità Malltija għas-Servizzi Finanzjarji u huwa liċenzjat biex iwettaq in-negozju tas-servizzi ta’ investiment skont l-Att dwar is-Servizzi ta’ Investiment (Kap. 370).
MeDirect Bank (Malta) plc, The Centre, Tigné Point, Sliema, TPO 0001, Malta.
