Saving with funds made easy.

  • Invest regularly in an investment fund of your choice
  • Invest from 50 euro per month

Saving with funds made easy.

What is the s Fonds Plan?

With the s Fonds Plan – a fund savings plan – you invest regularly, about once a month, in an investment fund of your choice. You automatically invest a fixed amount and use it to buy fund units at the current issue price.

Note: Depending on the performance of the investment fund, the performance of an s Fonds Plan will differ from that of a one-off investment (higher or lower). A loss of capital is possible in both cases.

Your advantages

  • Choose up to 5 suitable funds from our range of funds
  • You can change or stop your deposits at any time
  • Mixed rate due to the cost-average effect 

Risks to be considered

  • Fund prices are subject to fluctuations – depending on the securities included
  • The payout depends on market developments – capital losses are possible
  • Funds may contain various risks such as foreign currency risks, market risks, issuer risks and sector risks. 
  • Depending on the performance of the investment fund, the performance of an s Fund Plan will differ from that of a one-off investment (higher or lower). A loss of capital is possible in both cases.

In 5 Schritten zum Fondsplan

Lower price thanks to the cost-averaging principle

If you regularly pay in equal amounts, you can achieve a more favorable average price than with a one-time purchase. The “cost-average principle” is particularly useful when prices fluctuate strongly, as you purchase more units when prices are low than when prices are high. Note: Selling units when prices are low can lead to losses. 

More income through compound interest

Your earnings are automatically reinvested in accumulating funds and can start working for you immediately.

Automatic value adjustment

If you wish, your deposits are automatically increased annually by a fixed percentage or euro amount. This way you can compensate for inflation.

5 Steps to the s Fonds Plan

In just a few steps, you can open your s Fonds plan with interesting funds.

Identify investment needs

Think about why you want to build up capital. After all, the investment need determines the amount of the deposit. You can invest from 50 euro per month. 

Define the investment goal

Consider in advance when an investment is satisfying for you personally. Remain realistic. For the level of return also depends on your willingness to take risks and the time span. 

Choose the right time span

With the s Fonds Plan, units are purchased on an ongoing basis. The more units you have, the more you benefit from the fund’s returns. 

Select investment funds

Now it’s a matter of choosing the right investment funds. Your risk tolerance and expectations about the level of return play an important role in the decision. The deposit can also be divided among up to 5 investment funds. 

Open online or get advice at the bank

You can open the s Fonds Plan conveniently online or let our advisors present you various investment options. 

Discover all our funds

Do you need more information?

s Fonds Plan Mix – invest in up to 5 investment funds at the same time

Invest in up to 5 investment funds of your choice. You choose the funds at the beginning and then invest a fixed amount regularly (e.g. monthly). You can determine the amount and distribution of your deposit individually. You can adjust or suspend your deposits at any time and change your fund selection. 


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

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

Buying funds

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This document is an advertisement. Please refer to the prospectus of the UCITS or to the Information for Investors pursuant to Art 21 AIFMG of the alternative investment fund and the Key Information Document before making any final investment decisions. 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 accordance with the provisions of the InvFG 2011 in the currently amended version. Information for Investors pursuant to Art 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 Art 21 AIFMG, and the Key Information Document 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 Information 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.

Detailed information on the risks potentially associated with the investment can be found in the fund prospectus or Information for investors pursuant to Art 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.

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 issue and redemption of unit certificates and the execution of payments to unit holders has been transferred to the Fund's custodian bank/depositary, Erste Group Bank AG, Am Belvedere 1, 1100 Vienna, Austria. Redemption requests can be submitted by investors to their custodian bank, which will forward them to the Custodian Bank/Depositary of the Fund for execution via the usual banking channels. All payments to investors are also processed via the usual banking clearing channel with the investor's custodian bank. 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.