Strategy funds

Below you will find examples of our strategy funds. With all these products you have the advantage that the asset allocation is flexible. This means that with an exemplary bond quota of 70%-100%, our fund managers can vary the proportion of bonds in the fund within this range, depending on their assessment of the market. This achieves the optimization of your return opportunities in relation to your risk.

YOU INVEST GREEN

YOUINVEST

Simple, transparent, flexible. This is what our new investment concept looks like. Different goals require different investment strategies – our experts take care of the specifics. Do you want to save up for your children’s education, make sure you get a pension once you have retired, or set aside money for your lifetime dream?

Learn more about YOU INVEST GREEN

YOU INVEST Portfolio 10

YOU INVEST Portfolio 10 is one of our strategy funds that invests between 0% and 10% in equities and 80% and 100% in bonds. The flexibility granted to our fund managers here serves to optimize the return and risk of your investment.

Please see the legal risk notes at the end of this page.

YOU INVEST Portfolio 30

Within our group of mixed funds with variable asset allocation is also the YOU INVEST Portfolio 30 with an equity allocation of 0%-30% and a bond allocation of 60%-100%. Our experts use this scope to actively reallocate assets based on the respective market outlook and thus optimize and monitor the relationship between return and risk.

Please see the legal risk notes at the end of this page.

YOU INVEST Portfolio 50

YOU INVEST Porfolio 50 offers our fund managers exceptional flexibility. This fund invests 0%-50% in equities and 40%-100% in bonds. In critical market situations, our experts can reduce the equity portion to 0% and the bond portion to 40%. This allows a quick reaction in extreme situations, both on the opportunity and the risk side.

Please see the legal risk notes at the end of this page.

ERSTE D-A-CH Fund

YOUINVEST


ERSTE D-A-CH fund invests in corporate and government bonds as well as in equities from the strong economies of Germany, Austria and Switzerland. The equity ratio for this fund is between 0% and 30%. This means that our fund managers vary the amount of equity exposure depending on their market assessment and, in extreme cases, reduce it to zero percent.

Please see the legal risk notes at the end of this page.

ERSTE GLOBAL INCOME

ERSTE GLOBAL INCOME

ERSTE GLOBAL INCOME mainly invests in the three asset classes of dividend stocks, high-yield corporate bonds and emerging market bonds. These asset classes are usually characterized by comparatively high current income ("income") in the form of dividends or coupons. The maximum equity exposure is 50% of the fund volume. Depending on the market assessment, other asset classes can be added tactically. Generally, investments are made via funds. Investors have the opportunity to achieve an attractive total return from high, current income and long-term capital growth. A hedge against foreign currency risks against the fund currency is generally not provided, but is possible.

For the existing ISIN (AT0000A1G718), which distributes annually, a distribution yield of approx. 2-3% (before KESt) is aimed for. For the quarterly distributing ISIN (AT0000A2CEG1) approx. 0.4% (after KESt) per distribution is aimed for.

Please see the risk notes at the end of this page.

Fundlist

Important information:

Please find further information and documents on the respective funds by clicking the fund name in the above overview.

Contact

Do you have questions or would like to get more information?

Your advisor at Erste Bank or Sparkasse is happy to help you.

Digital Banking

You follow the developments on the markets and already have a precise idea of your portfolio? Go to George, the most modern banking in Austria,  and invest in a fund of your choice.

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Disclaimer

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 www.erste-am.com 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 www.erste-am.com. A summary of investor rights is available in German and English on the website www.erste-am.com/investor-rights 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.

Detailed information on the risks potentially associated with the investment can be found in the fund prospectus or Information for investors pursuant to § 21 AIFMG of the respective fund. If the fund currency is a currency other than the investor's home currency, changes in the corresponding exchange rate may have a positive or negative impact on the value of his investment and the amount of the costs incurred in the fund - converted into his home currency.

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. Please note that investments in securities entail risks in addition to the opportunities presented here. The value of shares and their earnings can rise and fall. Changes in exchange rates can also have a positive or negative effect on the value of an investment. For this reason, you may receive less than your originally invested amount when you redeem your shares. Persons who are interested in purchasing shares in investment funds are advised to read the current fund prospectus(es) and the Information for Investors pursuant to § 21 AIFMG, especially the risk notices they contain, before making an investment decision.

Please consult the corresponding information in the fund prospectus and the Information for Investors pursuant to § 21 AIFMG for restrictions on the sale of fund shares to American citizens. Misprints and errors excepted.

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 www.erste-am.com (and also at www.fundinfo.com). Any other information for Shareholders is published in the Bundesanzeiger, Cologne.