Investing step by step

s Fonds Plan. As flexible as life.

What goals do you have for the coming years? A new place to live? A good education for your children? Or do you finally want to put your big dreams into reality once you have retired?

With s Fonds Plan you can get closer to your ideas over an extended period of time, step by step, in small amounts. s Fonds Plan combines the traditional concept of saving with the return opportunities of securities. From EUR 50, with a fund of your choice!

With s Fonds Plan you regularly, for example once a month, invest in a fund of your choice. You automatically invest a fixed amount of money, thus buying fund shares at the respective issue price.

More favourable price due to the cost average principle

By investing a fixed amount every time, your average purchase price will be lower than for one-off purchases. The “cost average principle” is particularly beneficial for strongly fluctuating prices, as you can buy more shares when prices are low than when they are high.

More return thanks to the compound interest effect 

Your income is automatically reinvested in the fund, which means it starts working for you immediately.

Automatic value adjustment

At your discretion your payments can be raised annually by a fixed percentage or amount (in EUR). This way you offset inflation. 

You choose the investment period 

At the end of your investment you can choose whether you want to withdraw or re-invest you capital or whether you want to have it paid out as supplementary private pension.

Please note: the sale of shares at lower prices may cause losses.

Our tip for you:

If you have already built capital, you can also have your invested capital paid out regularly, e.g. monthly, through the s Fonds Plan.

For more information on our s Fonds and to learn about possible risks, please visit our fund glossary.

Contact us

You have questions? You want to lodge a complaint? We are looking forward to hearing from you.

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This document is an advertisement. All data is sourced from Erste Asset Management GmbH, unless indicated otherwise. Our languages of communication are German and English.

The prospectus for UCITS (including any amendments) is published in Amtsblatt zur Wiener Zeitung in accordance with the provisions of the InvFG 2011 in the currently amended version. Information for Investors pursuant to § 21 AIFMG is prepared for the alternative investment funds (AIF) administered by Erste Asset Management GmbH pursuant to the provisions of the AIFMG in connection with the InvFG 2011.

The fund prospectus, Information for Investors pursuant to § 21 AIFMG, and the key investor document/KID can be viewed in their latest versions at the  web site within the section mandatory publications  or obtained in their latest versions free of charge from the domicile of the management company and the domicile of the custodian bank. The exact date of the most recent publication of the fund prospectus, the languages in which the key investor document is available, and any additional locations where the documents can be obtained can be viewed on the web site A summary of investor rights is available in German and English on the website as well as at the domicile of the management company.

The management company can decide to revoke the arrangements it has made for the distribution of unit certificates abroad, taking into account the regulatory requirements.

This document serves as additional information for our investors and is based on the knowledge of the staff responsible for preparing it at the time of preparation. Our analyses and conclusions are general in nature and do not take into account the individual needs of our investors in terms of earnings, taxation, and risk appetite. Past performance is not a reliable indicator of the future performance of a fund.

The public sale of shares in the specified fund in Germany was registered with the Federal Financial Supervisory Authority, Bonn, pursuant to the German Kapitalanlagegesetzbuch (KAGB). The payment and information office in Germany is HSBC Trinkaus & Burkhardt AG, Königsallee 21–23, D-40212 Düsseldorf. Orders for the return of shares in the fund(s) can be submitted to the German payment and information office, and share redemption proceeds, any dividends or other payments can be paid out to Shareholders (in cash in the local currency) by the German payment office upon request. In addition, all information required by investors before and after the conclusion of an investment agreement – i.e. the fund terms and conditions, the fund prospectus, the Information for Investors pursuant to § 21 AIFMG, and the key investor document and the annual and semi-annual reports – is available free of charge at the German payment and information office. In Germany, the issue and return prices of shares are published in electronic form on the web site (and also at Any other information for Shareholders is published in the Bundesanzeiger, Cologne.