Fund saving

Save for the future with the s Fonds Plan.

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


Zukunftsorientiert sparen mit dem s Fonds Plan.

s Fonds Plan. As flexible as life itself.

With the s Fonds Plan, you can get closer to your long-term wishes even with small amounts. The s Fonds Plan combines the concept of gradual asset accumulation with the earnings potential of securities. And this is possible starting at only 50 euro with a fund of your choice. 

What is the s Fonds Plan?

With the s Fonds 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.

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.

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.

Note: Selling units when prices are low can lead to losses. 

Advantages for the investors

  • 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. 

5 Steps to the s Fonds Plan


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 our funds for your s Fonds Plan

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. 

Why save with securities? – Low Interest Rate Policy

Is it still worth saving? What growth in value can I expect in the long term? The main concern of savers is that inflation will exceed interest rates on traditional forms of savings, and that they will end up saving for a loss instead of an increase in value. Our chart illustrates how your deposits will develop over time depending on your strategy, what final amount can be expected at the respective interest rate, and what appreciation you can expect after the term, adjusted for inflation. 


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

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


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.

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 (and also at Any other information for Shareholders is published in the Bundesanzeiger, Cologne.