Take precautions in good time.

Looking to the future with peace of mind.

Rechtzeitig vorsorgen

Beruhigt in die Zukunft schauen.

Paar mit Kind

Life is stressful enough as it is. In old age, you finally want to have time and money for the finer things in life: taking smaller trips, going on a cruise, or maybe just supporting the grandchildren with a little pocket money. The state pension system is no longer much help to us with these needs. In Austria, 12.9 percent of pensioners aged 65 and older face the risk of old-age poverty. Compared to 2017, this is an increase of almost one percentage point. The highest value in the period from 2010 to 2018 was 16.1 percent, the lowest in 2017 (12.0 percent)*. Those who rely solely on statutory pension provision run the risk of having too little in old age. That's why it is important to make provisions in good time so that you can maintain your standard of living and look to the future with peace of mind.

* Source: Eurostat and https://www.versicherungsjournal.at/versicherungen-und-finanzen/jeder-achte-pensionist-armutsgefaehrdet-20046.php (data as of February 2020).

The right time is NOW

Retirement is a long time coming - but your returns are not. The earlier you start your retirement planning, the higher your payouts can be at the end of the term. The payout amount in the s Fonds Plan at the end of the planned term depends on developments in the capital markets, which also includes the possibility of capital losses.

Lost time cannot be made up. In our example, Erika starts paying €100 per month into the s Fonds plan at the age of 25 (immediately after starting her career). From the age of 40, she stops paying in and her money remains in the fund until she retires (at age 65). In total, Erika has paid into the s Fonds plan for 15 years. Thomas, on the other hand, does not start looking after his pension until the age of 40 and also pays €100 per month into the s Fonds plan over a period of 25 years until retirement (at the age of 65). Assuming a performance of 4% p.a., Erika has an advantage of €26,380 over Thomas. She has paid in €12,000 less and has generated an additional return of €14,380 from the investment.

So don't waste any time and start your retirement planning today so that you can continue to enjoy life to the fullest in your old age.


Please note that investing in funds involves risks and may result in capital losses. For more information on the specific risks, please refer to the factsheet, the Key Investor Information Document and the prospectus or the information for investors pursuant to § 21 AIFMG.

This calculation example is based on figures that are not based on a specific product or real performance and serves only as an illustration. The return to be stated for the financial mathematical calculation does not take into account any expenses and taxes; the result is rounded to the nearest 10 decimal places. All statements of calculation results are made without guarantee. Note: Forecasts are not a reliable indicator of future developments. Please note that investing in funds involves risks and may result in capital losses.

Source: Erste Asset Management GmbH

Our solutions for you

s Fonds Plan Mix

s Fonds Plan Mix

Invest in up to 5 investment funds of your choice. You select 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.



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

s Fonds Plan for regular payouts

s Fonds Plan

Small steps to a big goal. You don't have to be a large investor to make timely provisions. Make flexible monthly provisions now with small amounts (starting at 50€) and get closer step by step to your goal of maintaining your standard of living later. The s Fonds Plan helps you to do this.

Do you already have a more precise idea of the type of funds you want to invest in? Our fund list gives you an overview of our products.



Important information:

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


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

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

Interested in financial topics?

Read the EAM Investment Blog!

In Erste Asset Management's investment blog you can find
commentaries and analyses on topics such as Equities,
Sustainable Investment, Eastern Europe/Emerging Markets.


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.