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YOU INVEST solid VT


Fund of funds with dynamic asset allocation (max. 10% equity exposure)

ISIN:
AT0000A11FG8

2020/07/09
NAV
111.7900
Difference -0.03% (-0.03)

General attributes

Fund typeDefensive Balanced Funds
Investment companyErste Asset Management GmbH
CurrencyEUR
TypeVT
Begin of subscription period-
Inception2013/11/04
Licenced inAT,CZ,DE,HR
Duration of fundopen end
Total assets180,535,241.35 EUR
Fiscal year01/01 - 12/31
Initial charge3.00%
Management fee0.60%
Ongoing charges0.94%
Minimum investmentAccording to offer
Account number-
Recommended holding periodAt least 6 years
Investor experience-
Investor tolerance3 (scale 1-7)

Fund PDF download

ProspectusPDF Download
Key Investor Information DocumentPDF Download
CZ DisclaimerPDF Download

Fund annual reports

Annual Reports2019/12/31PDF Download
First-Half Report2019/06/30PDF Download
Scale: ABS REL


The chart shows the current fund share unit price (NAV) of the nominal value of an investment company proclaimed on that working day. Performances under 12 month have only little informative value.  Information about previous performance does not guarantee future performance.
Source: Česká spořitelna, a. s.
Advantages Details you should be aware of
A modern, active investment strategy ensures a fair balance of risk and return. The broad investment in a vast array of asset classes allows for a significant degree of risk diversification, which may reduce the risk of capital losses. You can sell your YOU INVEST fund at any time at the current redemption price. Investments on the capital markets are subject to market price fluctuations. Capital loss is possible. Foreign exchange fluctuations may have a negative effect on the price of the fund.

Secondary market

Purchase of share certificates
Investing in the open-end mutual funds is very easy. If you have already invested with Česká spořitelna, simply remit the invested amount to the collection account number of the selected fund and indicate your MUIN (number of your investment account) as the variable symbol. A comfortable method of investing is represented by SERVIS24 Internetbanking.

Sale of share certificates

To sell certificates visit any branch of Česká spořitelna or use the SERVIS24 Internetbanking services.

For new clients

If you have not invested with Česká spořitelna, contact your personal consultant or visit any branch of Česká spořitelna, where we will be happy to answer your questions and help you choose the best investment solution. You just have to make one visit to the Česká spořitelna branch and then you may make investments without any further visits.

 
ČS list of charges for mutual funds unit trading





Disclaimer

Full names of open Mutual funds are given in the fund statutes (prospectuses). Pursuant to rules applicable to collective investment, the manager informs that neither the current or expected performance will guarantee the future performance. Investment in investment certificates contains the risk that the current value of amount invested and yields on the amount will fluctuate; thus return on the amount invested is not guaranteed. All information provided herein is of informative nature only and it should not substitute the statute (prospectus) or give its overall summary. Before using this website/information for investment, you should consult consultants of Česká spořitelna. If any yield is mentioned in the reference material, you should always bear in mind that past yields will not guarantee future yields, that any investment is subject to the risk of value fluctuations and change of exchange rates, and that return on the amount invested or profit margin cannot be guaranteed.

Performance goal and investment strategy

<> offers investors a dynamic mix of different asset classes. Within the YOU INVEST product family for private customers, it is the fund with the lowest risk appetite and suitable for long-term capital accumulation. In return, a correspondingly lower increase in value is expected. The focus is on price stability. The portfolio is continuously monitored by our experts and regularly optimized in line with current market opportunities. The fund management is managed within a comprehensible and structured investment process. The fund invests up to 10% in equity funds and up to 100% in bond funds. Up to 15% are invested in alternative investment strategies and asset classes that complement the traditional asset classes.

Performance (2020/06/30)

Period YTD
6m
1Y
(% p a)
3Y
(% p a)
5Y
(% p a)
10Y
(% p a)
since inc.
(% p a)
Perf -1.92 - -0.38 0.02 0.53 - 1.57

Annual performance in % (-)

Period 2015 2016 2017 2018 2019
Perf -0.96 2.31 1.55 -3.81 5.37

Funds ratio of bonds (-)

Average Yield2.28 %
Average time to maturity6.32 years
Duration in years4.32 years
Modified duration4.25 %

Performance Calculator

Try to calculate the historical performance of the fund with our calculator.

Minimum & maximum performance in % p.a. (2020/06/30)

1Y
10.12
 
-7.35
3Y
3.46
 
-2.45
5Y
1.69
 
-1.84

Disclaimer

Full names of open Mutual funds are given in the fund statutes (prospectuses). Pursuant to rules applicable to collective investment, the manager informs that neither the current or expected performance will guarantee the future performance. Investment in investment certificates contains the risk that the current value of amount invested and yields on the amount will fluctuate; thus return on the amount invested is not guaranteed. All information provided herein is of informative nature only and it should not substitute the statute (prospectus) or give its overall summary. Before using this website/information for investment, you should consult consultants of Česká spořitelna. If any yield is mentioned in the reference material, you should always bear in mind that past yields will not guarantee future yields, that any investment is subject to the risk of value fluctuations and change of exchange rates, and that return on the amount invested or profit margin cannot be guaranteed.

Top holdings (2020/06/30)

ISINNameCurrency%FA
LU1054331407DWS I.-EO HY CORP. ICEUR10.05
IE00B3F81R35ISHSIII-C.EO CORP.B.EODISEUR8.32
AT0000700786ERSTE MORTGAGE R01TEOEUR7.58
AT0000724224ERSTE BD EURO CORP.R01TEOEUR6.80
AT0000A1BTH1T 1900 EURR01TEOEUR5.06
LU0354092115CANDR.M.MKT.-EURO AAA V CEUR4.72
AT0000724307ERSTE RESERVE EO R01TEOEUR4.56
AT0000619895ERSTE BD IN.-LI.R01TEOEUR3.05
IE00BZ04LQ92VAN.I.S.-U.S.I.G.C.I.IPEHEUR3.04
LU0616945100CANDR.BDS-EM.MKTS VC.EO HEUR2.97

Percentage holdings by region (2020/06/30)

46.93 %North America
17.35 %Industrialised nations, supraregional
15.91 %Western Europe
10.86 %Asian emerging markets
6.79 %Japan
1.37 %Middle East & Africa
0.80 %Latin America

Percentage asset types (2020/06/30)

66.19 %Bonds
13.26 %Money market / Short-term investments
12.25 %Alternative strategies / Other
8.30 %Equities



Disclaimer

Full names of open Mutual funds are given in the fund statutes (prospectuses). Pursuant to rules applicable to collective investment, the manager informs that neither the current or expected performance will guarantee the future performance. Investment in investment certificates contains the risk that the current value of amount invested and yields on the amount will fluctuate; thus return on the amount invested is not guaranteed. All information provided herein is of informative nature only and it should not substitute the statute (prospectus) or give its overall summary. Before using this website/information for investment, you should consult consultants of Česká spořitelna. If any yield is mentioned in the reference material, you should always bear in mind that past yields will not guarantee future yields, that any investment is subject to the risk of value fluctuations and change of exchange rates, and that return on the amount invested or profit margin cannot be guaranteed.

Know-How

 
In our know-how area you can find all relevant details on the different types of bonds. The tutorial gives you selected information about the functionality of bonds and assists you in making your investment decision. In our glossary we explain the most important keywords and within the FAQ section you can find answers to the most common questions concerning this topic.

Fund chart analyzer

Compare the historical performance of mutual funds.

Performance Calculator

Try to calculate the historical performance of the fund with our calculator.

Performance overview table

Performance of mutual funds for various time periods with weekly updates.

Contact

 
Do you have any further questions which are not covered in our know-how area? Please ask directly our product specialists via our contact form.




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