INVESTING IN SMALL STEPS
A Capital Accumulation Plan (CAP) is a flexible investment method that allows you to enter markets gradually, with regular, scheduled payments.
With a CAP, you can set the amount and frequency of your payments and, at pre-set intervals, these sums will be automatically invested so that you can build up capital for your most important projects.
Build your own CAP for Banca Widiba's over 5,000 Funds and SICAVs. You can invest independently, using the Managed Online service, or with a Widiba Financial Advisor.
Additionally, if you subscribe to one or more Italian mutual funds managed by Anima Sgr by 30 September 2025, you can enter the new competition "ANIMAti con il PAC 2025" and win 5 iPhone 16 256GB and 100 Amazon vouchers worth €100. For full details, see the Regulations on the Anima SGR website.
See details on amazon.it/gc-legal for the restrictions on Amazon Vouchers.
Competition promoted by Anima Sgr valid from 15 April to 30 September 2025. Total prize pool for the initiative: €14,545.10 (VAT excluded and VAT exempt). For the full Regulations, see the website www.concorsopac25.animasgr.it.This is a marketing communication. Please refer to the Prospectus, the Key Information Document (KID), the Regulations governing the initiative and the subscription form before making a final investment decision. These documents, which also describe the rights of investors, can be obtained at any time, free of charge, on the ANIMA website, in the Restricted Area of the Banca Widiba website and at the offices of the Widiba Financial Advisors. It is also possible to obtain hard copies of these documents at ANIMA upon request. The KID is available in the official local language of the country of distribution. The Prospectus is available in Italian. Past returns are not indicative of future returns. The product’s placement is subject to the appropriateness and adequacy assessments provided for by current legislation. ANIMA reserves the right to change the information provided at any time. The value of the investment and the resulting returns may increase as well as decrease and, at redemption, the investor may receive less than the amount originally invested.
YOUR ALLY AGAINST VOLATILITY
CAPs limit the effects of volatility and reduce the likelihood of entering the market at excessively high prices.
The gradual investment strategy of a CAP leverages market swings to buy shares in the same Fund at different prices.
This will allow you to average out the entry price and you will no longer have to wait for the right time to invest.
ACCESSIBLE TO ALL
You can start investing with regular instalments from €50 and then increase the amount of your payments, depending on your savings capacity.
The flexible structure of a CAP also allows you to suspend your Plan and restart it at a later date in order to deal with any unforeseen events that might change your project plans.
Moreover, you can choose to change your chosen Fund at any time and take advantage of any new opportunities that the market has to offer you.
A DIVERSIFIED INVESTMENT
You can also split your payments across multiple Funds, even with small amounts, and diversify your portfolio with the solutions of leading Asset Management Companies.
Our professional Fund management offers you access to markets that are otherwise inaccessible to individual investors, as well as broad diversification across multiple asset classes.
Furthermore, the range spans a variety of sectors, themes and geographical areas, to suit any investment profile and management style.
Advertising message for promotional purposes. For all conditions relating to the products and services advertised, please refer to the Info Factsheets and the pre-contractual policy statement available in the Transparency section of the website bancawidiba.it and at the offices of the Financial Advisors.
DISCOVER THE CLASSIC WIDIBA ACCOUNT
FreeSecurities Dossier for your investmentsInternational debit card compatible with
Apple Pay and Google PlayFreeSEPA ordinary and instant credit transfers
Not a Client? Apply to open an Account by 3 September 2025 and enjoy zero charges for the first year and a gross annual rate of 2,5% on 6-month fixed term deposits of at least €5,000.
Advertising message for promotional purposes. For full details of the terms and conditions of the services advertised, please read the Info Factsheets and the pre-contractual policy statement available in the Transparency section of the Widiba website.
Gross annual rate of 2,5% on 6-month fixed term deposits of at least €5,000 for new clients that apply to open an Account from 15/05/2025 to 03/09/25. For full details, see the Regulations «Tasso 2,5% Maggio 2025” available from the Transparency section of the website bancawidiba.it.