Precaution

Life is stressful enough as it is. In old age, you finally want to have time and money for the finer things in life: take short trips, go on a cruise or maybe just support your grandchildren with a little spending money. The state pension system is no longer of much help to us in these matters. In Austria, one in six people aged 65 and over is at risk of poverty in old age (source: Statistics Austria, 2023). Those who rely solely on the state pension scheme run the risk of having too little in old age. That is why it is important to make provisions in good time so that you can maintain your standard of living.

Start saving for your retirement with the s Fund Plan now

You've got plenty of time before you retire – but not for your earnings. The earlier you start your retirement planning, the higher your payments can be at the end of the term. Please note that investing in securities involves risks as well as opportunities.

Select up to 5 funds per fund plan

Invest as little as 30 euros a month

You can change or suspend deposits at any time.

Mixed price based on the cost-average principle

If you regularly pay in the same amount, you can get a lower average price than with a one-time purchase. The cost-average principle is particularly useful when prices fluctuate widely. When prices are low, you buy more units; when prices are high, you buy fewer.

Please note: The average cost effect diminishes as the term of the investment increases. The accumulated savings then behave more and more as if you had invested the entire amount in a single lump sum. Depending on market developments, a one-time investment may also be more favourable. Investing in securities involves risks as well as opportunities.

Use the effect of compound interest

Your profits are automatically reinvested in the case of reinvesting funds. This means that they can continue to work for you immediately.

Automatic value adjustment

If you wish, your deposits can be automatically increased by a fixed percentage or euro amount each year.

Be aware of the risks

The value of funds fluctuates depending on the securities they contain.
Payouts depend on market developments. Capital losses are possible.
Funds may contain various risks, such as foreign currency, market, issuer or industry risks.

Calculate your future wealth

Calculate your financial future with just a few clicks. With our calculator, you can immediately see how much money you can save. Enter your deposit amount. You can make one-time and recurring deposits. Then select your desired term. You can immediately see how much money you accumulate over the years. Forecasts are not a reliable indicator of future performance.

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Disclaimer

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. Unless indicated otherwise, source: Erste Asset Management GmbH. 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 website 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 Information Document is available, and any additional locations where the documents can be obtained can be viewed on the website 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 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.