Най-добри инвестиционни фондове в България 2025

If you want to invest in the financial markets, but don’t have the know-how to do it yourself – it might be worth considering the option of using an investment fund.

This way, the fund you choose will determine which assets to buy and sell, meaning you will enjoy a passive income stream. There are different types of investment funds – from exchange-traded funds (ETFs) and mutual funds to investment trusts and index funds.

In this guide, we’ll look at the best investment funds for Bulgarian residents in 2025. We’ll cover different types of funds – and walk you through the investing process from the comfort and convenience of your own home.

Top 8 investment funds in Bulgaria

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Best investment funds in Bulgaria – overview

On the one hand, it is great that Bulgarian investors have thousands of investment funds to choose from. However, this ensures that there is a suitable fund for all types of investors. However, this can make it difficult for you to choose the best among them.

That’s why below you will find a list of the best investment funds in general that you can access from Bulgaria.

iShares Russell 1000 ETF – invest in over 800+ undervalued US stocks

The iShares Russell 1000 ETF is a great option if you want to gain exposure to the U.S. economy. In fact, this mutual fund will give you instant access to 843 individual stocks. This means you’ll have a huge portfolio of stocks for a single investment.

The iShares investment fund selects U.S. companies that it believes are undervalued. This includes both large- and mid-cap stocks from all possible sectors. Of the big players, the investment fund currently holds 2.76% of Berkshire Hathaway and 2.27% of Johnson and Johnson. It also has stakes in Walt Disney, Intel, Verizon and JPMorgan Chase & Co.

Although this investment fund is based in the US and focuses entirely on US companies, it is more than easy to invest in it from the UK. In fact, when you use the UK Financial Conduct Authority regulated broker eToro, you can invest without dealer fees or other ongoing fees. Furthermore, this platform requires a minimum investment of just $50.

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SPDR Gold ETF – Invest in gold without worrying about storing it

As the name suggests, this investment fund focuses exclusively on gold. It is worth considering such an investment if you expect difficult economic circumstances to occur. However, investors often rush to buy assets such as gold during periods of increased uncertainty in the market. Proof of this is the good performance of gold this year.

In fact, the SPDR Gold ETF is up 25.99% in the 12 months prior to the creation of this page. This mutual fund is also super easy to access – all you need to do is meet the $50 minimum deposit requirement on eToro. This way, you can invest in the future value of gold without worrying about storing or delivering this asset.

Instead, the ETF provider SPDR is physically backed by the asset – so you can invest seamlessly and easily. If you invest in an ETF, the fees are quite reasonable. Again, you don’t pay any commissions or ongoing fees when you use a broker like eToro, and you can close your position at any time you choose.

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Best mutual funds for investment in Bulgaria

Both of the funds mentioned above are ETFs. This means that the provider is tasked with tracking a specific market – such as the Russell 1000 or gold. Mutual funds, on the other hand, are a little different. This is because the fund manager personally decides which assets to buy and sell – and when to do so.

In other words, although the manager may be focused on FTSE 100 stocks, he may decide to remove some of them if he believes that the company is not adding value to investors. This is something that ETFs cannot do. Below you will find the best mutual funds in Bulgaria – in our opinion.

MI Chelverton UK Equity Growth Fund – best investment fund for investing in small British stocks

While most investors are focused on large-cap stocks listed on the London Stock Exchange, some are looking for exposure to new companies with high growth potential. These can usually be found on the Alternative Investment Market (AIM), the UK’s secondary stock market.

There, the risk-reward ratio is much higher than in established blue-chip stocks, as many companies listed on AIM have yet to really showcase their business models. Or they may be established but simply have a small market valuation. Whatever the case, if you want to allocate some of your capital to small UK companies, it is best to choose a mutual fund such as the MI Chelverton UK Equity Growth Fund.

However, the investment fund in question will personally decide which UK stocks are worth supporting and which are not. The experienced fund manager will also decide when the right time is to buy or sell. MI Chelverton UK Equity Growth Fund was established in 2014 and as of August 2020 has assets worth just over £722 million.

The fund is managed by James Baker and Edward Booth and its portfolio consists of 127 individual stocks. They are from a variety of sectors, with a strong focus on technology, healthcare, support services and consumer goods. The fund has investments in Future, Clingen, SDL, Premier Foods, Gamesys, and dotDigital.

Other leading UK mutual funds worth considering include:

• Blackrock UK Fund: This mutual fund focuses on large-cap UK stocks. Generally, they are better suited if you want to take on less risk – as the fund consists of established companies with larger market caps.
• ASI Global Smaller Companies: This is another mutual fund that focuses on smaller UK stocks with growth potential. The fund has performed well since its inception, so it may be worth diversifying your investments by allocating them between it and MI Chelverton UK Equity Growth to balance out your risk level.

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Най-добри инвестиционни фондове за начинаещи

Принципно, всички инвестиционни брокери в България са подходящи за инвеститори, тъй като от вас не се очаква да се занимавате с „черната“ работа. Вместо това, процесът на покупка и продажба на активите се движи от самия фонд.

И все пак, някой инвестиционни фондове са по-подходящи за начинаещи от други, тъй като активите, които поддържат, са лесни за разбиране. Обикновено те са фокусирани върху големи акции и дялове, които имат дълга история и представляват големи и известни марки.

S&P 500 Index – Де факто инвестиционният фонд за дългосрочно трупане на състояние

Дори да не сте търгували никога преди, шансът да сте чували за S&P 500 е много голям. За тези, които не знаят, S&P 500 е фокусиран върху САЩ пазарен индекс. Той следи представянето на 500 големи американски компании-  от NYSE и NASDAQ. Сред тях са фирми като f IBM, Google, Twitter, Disney, Berkshire Haway, Verizon, Apple, Amazon и още много.

От създаването му през 1926 г. индексът S&P 500 отчита средна възвръщаемост на инвестициите от над 10% – претеглена във времето. Така че, когато става въпрос за най-добрите инвестиции за начинаещи, е добра идея да погледнете статията как да инвестирам в S&P 500 в България.Основното е, че индексът се ребалансира редовно, за да е сигурно, че отразява по-широкия пазар на американски акции. За да го постигне, S&P 500 е фокусиран върху пазарната капитализация.

Това означава, че най-големите американски акции по пазарна стойност представляват по-голям процент от индекса. Що се отнася до получаването на експозиция, в България има много инвестиционни фондове, които следят S&P 500. Според нас най-лесният и най-ефективен начин за това е чрез ETF. Начело в това отношение е Vanguard, който има свой собствен S&P 500 ETF, хостван на eToro。

Това означава, че можете да инвестирате суми от едва $50, без да плащате никакви такси или комисионни. Трябва да отбележим още, че, също като повечето търгувани на борсата фондове (ETFs), Vanguard ви позволява и да получавате дивиденти. Всъщност те се разпределят на три месеца направо в брокерската ви сметка. Като реинвестирате тези дивиденти обратно в индекса S&P 500, имате шанс по-бързо да увеличите парите си.

За да ви помогнем да намерите инвестиционен фонд, който работи със S&P 500 и отговаря на вашите нужди, по-долу ще намерите още някои опции:

• iShares Core S&P 500 ETF
• SPDY S&P 500 ETF
• Portfolio Plus S&P 500 ETF

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Най-добри търгувани на борсата инвестиционни фондове

Вече разгледахме някои от най-добрите инвестиционни фондове под формата на борсово търгувани фондове. В обобщение – те включват Vanguard S&P 500 Index, SPDR Gold ETF иiShares Russell 1000 ETF. Има обаче и други публични инвестиционни фондове, на които си струва да обърнете внимание.

Сред тях са:

iShares MSCI Hong Kong ETF – Инвестирайте в кошница от хонконгски компании

Ако сте от типа инвеститори, които искат да получат достъп до непрекъснато нарастващите азиатски икономики, може би си струва да обмислите варианта да ползвате iShares MSCI Hong Kong ETF. Както показва името, този инвестиционен фонд е съсредоточен върху пазарите в Хонконг. По-специално, в него има 41 акции, листвани на Хонконгската фондова борса.

Въпреки че портфейлът е разумно балансиран, има две компании, които заемат малко над 36% от него. Те са AIA Group (23.95%) и Hong Kong Exchanges and Clearing (12.14%).

Има и компании като Sun Hung Kai Properties, Techtronic Industries и CK Hutchinson. Важно е да отбележим, че този публичен фонд отново показва колко лесно е да се инвестира в международни фирми от удобството на собствения ви дом. Достатъчно е да направите минимален депозит от $50 и това е всичко – ще разполагате с кошница от 41 хонконгски фирми.

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iShares FTSE China 25 Index ETF – Инвестирайте в най-добрите китайски акции и дялове

Друг публичен фонд, който си струва да обмислите, е China 25 Index. Подкрепен от гиганта iShares, той ви дава достъп до 25 големи китайски компании.

Сред тях са Tencent Holdings, Meituan Dianping, China Construction Bank, Alibaba и China Mobile. Китай е една от най-бързо развиващите се и най-мощни икономики в света, затова си струва да следите този фонд.

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Най-добри етични инвестиционни фондове България

Ако инвестирате в този вид инвестиционен фонд, за вас ще важат определени етични кодекси. Сред тях може да са да се избягват определени индустрии и сектори, като например хазарта, алкохолната, тютюневата или отбранителната индустрия.

В някои случаи етичните инвестиционни фондове са фокусирани единствено върху компании, които работят в сфери в полза на обществото. Например, фирма, която търси начини да произвежда екологично чиста енергия.

По-долу ще намерите списък с най-добрите етични инвестиционни фондове в България – според нас.

BMO Responsible UK Income 2 Inc – най-добър етичен фонд за инвестиции в малки до средни британски компании

Този етичен инвестиционен фонд е базиран във Великобритания и е фокусиран върху британски опции. Основното при него, е че всяка акция трябва не само да отговаря на серия от етични норми, но и да е с малка до средна пазарна капитализация. По отношение на представянето, фондът се представя по-добре от по-широкия индекс FTSE All-Share през 4 от последните 5 години.

Ако решите да инвестирате в този фонд директно, трябва да си приготвите най-малко £500 000. Затова е най-добре да минете през трета страна доставчик. Например, Hargreaves Lansdown изисква само £100, минимален директен дебит или £25 месечно. Що се отнася до таксите, фондът ще ви струва 0.91% годишно.

Jupiter Responsible Income – инвестирайте в големи британски акции, които активно управляват социални отговорности

Този инвестиционен фонд е фокусиран върху компании, които активно управляват своите социални и екологични дела. Портфейлът се състои от общо 45 акции, като сред водещите фирми в него са GlaxoSmithKline, RELX, Vodaphone, Teso и Aviva.

Отново, ако решите да минете през Hargreaves Lansdown, ще ви е нужна минимална сума от само £100 или £25 на месец. Текущата такса е 0.93% без преварителна такса.

Кои са инвестиционните фондове в България?

Инвестиционните фондове ви позволяват да влагате пари на финансовите пазари пасивно. Няма нужда да имате опит или знания как работят пазарите – фондовият мениджър ще се погрижи за всички свързани с инвестицията ви решения. Избраният от вас инвестиционен фонд ще купува и продава акции, облигации и други активи вместо вас.

В тази инвестиционна сфера всъщност попадат няколко класове активи. Например, инвестиционните фондове могат да са публични като REITs (фондове за инвестиции в недвижими имоти), взаимни фондове, включително за недвижими имоти, инвестиционни тръстове, фондове на паричния пазар или индексни фондове. Главното е, че всеки от гореспоменатите видове фондове ви позволява да получите експозиция към пълна кошница от активи чрез една единствена търговия.

Например, да предположим, че инвестирате във фонд, който е фокусиран върху малки британски компании. Ако инвестирате само няколкостотин паунда, в портфейла ви могат да попаднат над 200+ малки компании, листвани на AIM. По същия начин, ако инвестирате във фонд, който следи FTSE 100, ще си купите кошница от 100 британски акции с голяма капитализация.

Инвестиционните фондове се управляват и ръководят от големи финансови институции. Сред най-големите играчи в сектора са iShares, SDPR и Vanguard. Парите ви се обединяват в пулове с хиляди други инвеститори, което означава, че често фондът управлява многомилиардни средства.

Как работят инвестиционните фондове?

Независимо дали изберете публичен фонд, взаимен фонд или тръст – инвестиционните процес до голяма степен е един и същ. За да ви се изясни, да погледнем един бърз пример как работят най-добрите инвестиционни фондове.

• Инвестирате £10 000 във взаимен инвестиционен фонд
• Фондовият мениджър е фокусиран върху големи британски акции
• Общо инвестиционният фонд купува акции в 150 компании, листвани на Лондонската фондова борса
• На теория ще притежавате малък дял от всяка акция, закупена от фонда – на базата на инвестираната сума
• Например, ако фондът държи 4% от портфейла си в HSBC, вашата инвестиция от £10 000 ще се състои от акции на HSBC на стойност £400

When it comes to making money, most mutual funds that you can access from Bulgaria pay dividends. They are a portion of each share’s dividend or bond coupon payments that the fund has received on behalf of its investors. Your share is usually distributed every three months, although some funds pay dividends every 6 or 12 months.

In addition to regular dividends, you can grow your money if the net asset value (NAV) of the investment fund increases. For example, if you invest in the FTSE 100 fund and the value of the index increases by 10%, you can expect your investment in the fund to increase by a similar margin.

Types of investment funds

As we explained above, there are many types of mutual funds. Most work in the same way – you invest in a basket of assets passively. The fund makes purchases of assets on behalf of its investors and determines the right time to sell.

However, there are some small differences between the different types of investment funds, which we will list below:

• Mutual Funds: These types of investment funds determine which assets to buy and when . The fund manager has the flexibility to choose which assets to invest in, as they are not tied to a specific market. Since these types of funds are actively managed, fees are slightly higher than with public funds.
• ETFs: These types of mutual funds track a specific market. For example, if the fund’s objective is to track the NASDAQ 100, it replicates the NASDAQ stock market one-for-one. Public funds are often the least expensive option because they are passively managed.
• Investment Trusts: Trusts are similar to mutual funds. This is because your capital is actively managed by the fund – they make all the investment decisions. Trusts are not tied to a specific market, which brings great flexibility.
• Index Funds: As the name suggests, index funds track a specific stock market index, such as the FTSE 100 or Dow Jones. The fund buys shares of all the companies in the index using the same weighting system.

Some of the best types of investment funds for Bulgarian investments are:

• Index funds
• Mutual funds
• Trackers
• Vanguard funds
• Money market funds
• Income funds
• Ethical investment funds
• Investment trusts
• Real estate investment funds
• Real estate investment trusts (REITs)
• Gold investment funds
• Funds for investments in technology companies
• Absolute return funds

Investment trusts versus investment funds

Investment trusts are a type of investment fund. They are popular in Bulgaria, as over the past decade or so, trusts have generally performed better than funds.

One of the main differences between trusts and funds is that trusts can borrow money. This practice is known as gearing and gives trusts much greater purchasing power. In turn, they can trade with amounts much larger than their working capital.

Benefits of investing in leading investment funds

Choosing an investment fund over traditional stocks or bonds brings many advantages.

Among them are:

• No experience required: The process of choosing stocks or bonds can be quite difficult. However, you do need to have a good understanding of technical and fundamental analysis and be able to read and interpret company reports. This is why many beginners choose mutual funds, as they don’t require you to know how the financial markets work.
• Passive Income Stream: Once you put money into a mutual fund, you can simply sit back and let the provider buy and sell assets on your behalf. This is a great way to earn passive income, as you will likely receive a dividend every three months.
• Low investment size: You can currently invest in funds with small amounts. In most cases, you can start with just a few hundred euros. With eToro, the amount is even smaller – there you can invest in public funds with amounts as low as $50, and with Hargreaves Lansdown the minimum investment is £100. Even if the investment fund you choose requires a larger capital, you can simply bypass this requirement by using a broker.
• Low fees: Most of the best mutual funds for 2025 charge a flat fee of less than 1% per year. Some are much closer to 0% – especially public and index funds. Even with the more expensive ones, this offers good value because you’re investing passively.
• Diversification: Diversification allows you to limit your overall exposure to risk by investing in a variety of assets across industries and markets. Achieving this goal on your own can be an expensive and time-consuming endeavor. This is not the case with mutual funds, as they allow you to gain exposure to hundreds (if not thousands) of assets with a single injection of capital.
• Hard-to-reach markets: Accessing some financial markets for Bulgarian investors can be quite difficult. For example, stocks and shares listed in emerging markets. Investment funds, on the other hand, manage billions. This means that there is no inaccessible market for them. Thus, they offer a gateway to a given asset or sector to which you are trying to gain exposure.

How to choose the best investment funds 2025

With so many mutual funds to choose from, it can be hard to know where to start. The most important thing is that the fund meets your long-term investment goals. For example, do you want to grow your money over decades to save for retirement, or do you want access to a specific market, such as foreign bonds or U.S. stocks?

Whatever your goal, there is a list of metrics to consider when looking for an investment fund suitable for your needs.

• Fund Type: First, you need to look at the types of investment funds the provider offers. These can be a public fund, a mutual fund, a trust, or an index fund.
• Objectives: What asset or market is the fund focused on? They can vary from stocks of large-cap US companies to stocks issued in emerging markets.
• Past performance: See what kind of investment returns the fund has generated over the past few years. Compare these returns not only to other players in the industry, but also to the market as a whole.
• Ongoing fees: Most funds charge an ongoing fee – expressed as a percentage. While most are less than 1% per year, there are some funds that can be significantly more expensive. Also look for upfront fees and performance fees.
• Minimum investment: Check what the minimum investment the fund requires. If it is too high, you may be able to find a lower minimum investment with a third-party broker.
• Risk: Leading mutual funds like Vanguard offer a risk rating for each of the products they offer. This allows you to assess the risk you are taking on by investing in the fund.
• Dividend frequency: Make sure you are aware of the frequency of periods in which the investment fund distributes dividends. This is usually every three months, but it can also be every six months or even once a year.

As you can see, there are many factors to consider before choosing an investment fund. That’s why it’s worth taking a look at some of the leading funds we’ve discussed on this page – all of which are available to investors in Bulgaria.

Best investment fund brokers in Bulgaria

If you want to invest in a mutual fund, you will need to find a reputable online broker that is regulated by the UK Financial Conduct Authority (FCA). While some funds allow you to invest directly through their website, their fees and minimum account opening requirements are often higher. That is why we recommend that you choose a third-party platform.

Here are the leading investment fund brokers for residents of Bulgaria – in our opinion.

1. eToro – best investment fund broker in Bulgaria overall

eToro is the best option if you want to invest in mutual funds. This is because the platform doesn’t charge any commissions or trading fees – there are no annual fees either. Instead, the only fee you need to consider is a small 0.5% currency exchange fee when you make a deposit.

The platform gives you access to over 150 funds across a variety of markets – US and UK stocks, bonds, gold and more. In addition, eToro allows you to invest in over 1,700 stocks across 17 stock exchanges. This can be useful if you want to add specific stocks to your portfolio that the fund doesn’t cover. Again, there are no commissions charged.

When it comes to payments, eToro allows you to instantly deposit funds using a debit or credit card, as well as e-wallets such as Paypal, Skrill and Neteller. Bank transfers are also an option, but we don’t recommend them as they take a few days to transfer funds. The minimum deposit with eToro is $200, although you can invest as little as $50 in your chosen fund. The broker is licensed by the UK Financial Conduct Authority (FCA), and your money is protected by the FSCS (up to the first £85,000).

eToro also offers an excellent investment app, which is an ideal way to invest in mutual funds via your mobile phone.

eToro Fees:

Commission	0%
Deposit fee	Free
Withdrawal fee	$5
Inactivity fee	$10 per month after 12 months of inactivity

Pros:

Cons:

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2. AvaTrade

AvaTrade is a globally regulated broker that offers strong oversight from the Central Bank of Ireland, the Australian Securities and Investments Commission, the Japanese Financial Services Agency, and more.

The broker provides trading opportunities in over 1250+ global markets, covering forex, stocks, bonds, indices, mutual funds, commodities, and cryptocurrencies. These include investment funds from different regions around the world.

With AvaTrade, users can trade from a variety of trading accounts, including spread betting, CFD trading, options trading, and swap-free Islamic accounts. The broker also offers access to professional trading accounts for serious traders.

The broker provides access to services from Trading Central, which provide actionable real-time trading ideas and useful research. They can be very useful for finding high-quality investment ideas.

Pros:

Minus:

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3. Libertex

Libertex is one of the world’s leading CFD brokers with over 23 years of history and more than 2.9 million clients from over 120 countries worldwide. The broker is authorized and regulated by the Cyprus Securities and Exchange Commission, providing traders with great peace of mind.

The Libertex trading platform is unique in that it offers investors the opportunity to trade over 213+ financial CFD instruments, including currencies, stocks, commodities, indices and cryptocurrencies.

The broker also provides traders with a range of different platforms, including the world’s most popular platform, MetaTrader 4. However, it also provides access to its own trading platform, which has useful functionalities such as market sentiment indicators, real-time news, and analytics.

Opening an account with Libertex is easy and only takes a few minutes. The minimum deposit is just €100 and can be made via bank transfer, credit/debit card and e-wallets such as Neteller and Skrill.

Pros:

Cons:

73,77% от сметките на инвеститорите на дребно губят пари, когато търгуват CFD с този доставчик.

How to invest in the best investment funds in Bulgaria today

Want to invest in a mutual fund today, but don’t know where to start? Follow our step-by-step instructions to make a purchase in a fund from the comfort of your home.

Frequently asked questions:

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