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Universum


A balanced mutual fund is a comprehensive investment portfolio.

ISIN:
CZ0008475688

2024/02/21
NAV
1.1510
Difference 0.04% (0.00)

General attributes

Fund typeDefensive Balanced Funds
Investment companyErste Asset Management GmbH, pobočka Česká republika
CurrencyCZK
Type-
Begin of subscription period-
Inception2018/11/05
Licenced inCZ
Duration of fundopen end
Total assets3,297,350,561.00 CZK
Fiscal year01/01 - 12/31
Initial charge1.00%
Management fee0.70%
Ongoing charges1.13%
Minimum investment300 CZK
Account number7987792/0800
Recommended holding periodAt least 3 years
Investor experience-
Investor tolerance2 (scale 1-7)

Fund PDF download

ProspectusPDF Download
Key Information Document (KID)PDF Download
CZ FlyerPDF Download
CZ Monthly fund reportPDF Download
Obchodní podmínky České spořitelny pro poskytování investičních služebPDF Download

Fund annual reports

Annual Reports2022/12/31PDF Download
First-Half Report2023/06/30PDF 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
• The fund is optimal for a mid-term and long-term investment horizon of 4 years and longer. • Currency, credit and interest rate risk is actively managed using the available hedging instruments. Please note that the target market of this investment instrument is listed below. If you do not meet any of the listed parameters, you may be outside the specified target market!   The target market defines the set of investors (retail clients) for whom the investment product is intended.  This investment product is intended for investors who: •  have sufficient knowledge and/or experience regarding mutual funds. •  seek investment profit • are able to accept a level of risk that is in accordance with the risk indicator of the product specified in General attributes. •  In the event of an unfavorable development of the investment, they are able to bear the possible loss, which is ilustrated by performance scenarios, see Key Information Document (KID). • are interested in investing within the recommended investment period specified in General attributes. • This fund is not intended for investors (negative product target market) who are unable to bear the possible loss of invested funds in the event of an unfavorable development of the investment. • The client's compatibility with the product's target market will be evaluated during the purchase process.                                                                                                                              • The price for arranging the purchase of share certificates: 1% • Immediate availability of invested funds (normally the second working day after submitting the order to sell) • The minimum investment is CZK 300 • A discount of the fee for arranging the purchase of share certificates when making regular investments.•

Secondary market

Purchase of share certificates
You need to conclude an Investment Services Agreement to invest in the open-end mutual funds. Then you just need to remit the invested amount to the collection account number of the selected fund and indicate the Asset Account number as the variable symbol (stated in the Investment Services Agreement). It is more convenient to use a regular investment order for regular investments (e.g. via internetbanking) because you can get a discount (the terms and conditions are shown in the Price List). The internetbanking allows you to continuously follow the trend in your investments.

Redemption/sale of share certificates
To redeem share certificates, please visit any branch of Česká spořitelna or use the services of our internetbanking.

For new clients:
If you have not invested with Česká spořitelna yet, contact your personal advisor or come to any branch of Česká spořitelna, or use the free phone line 800 468 378, where we will gladly answer your questions and help you to choose the most convenient investment solution.

 
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

Through its attractive investment strategy combining several types of assets, the UNIVERSUM fund attempts to surpass the yields of Czech government bonds in the long-term. The fund is a comprehensive investment portfolio. It is not limited only to basic types of investments (classes of assets), but through the flexible investment strategy exploits the potential of the yield and alternative investments and real estate component. It can flexibly respond to the market trend and adjust the ratio of the portfolio’s conservative and dynamic component to benefit the possible yield. Therefore it very effectively optimises the ratio between the yield potential and fluctuation of the fund’s value.The conservative part of the portfolio adds stability to the fund and consists of conservative bonds and instruments of the money market. Their share may, in periods of market fluctuations, form most of the portfolio, i.e. a maximum of 90% and a minimum of 50%. The share of the dynamic component is therefore significantly reduced. The portfolio’s dynamic component consists above all of shares which have a minimum representation of 10% in the portfolio. These are supplemented by real estate and alternative investment instruments. In a period of growth of dynamic assets the fund’s flexible investment strategy enables an increase of the share of this component. The share of the dynamic assets can form up to 50% of the portfolio.

Performance (2024/02/15)

Period YTD
6m
1Y
(% p a)
3Y
(% p a)
5Y
(% p a)
10Y
(% p a)
since inc.
(% p a)
Perf 1.47 5.96 8.42 2.09 2.71 - 2.67

Annual performance in % (2024/02/15)

Period 2019 2020 2021 2022 2023
Perf 6.14 2.87 0.39 -3.88 9.07

Statistical figures (2024/01/31)

Sharpe Ratio-
Volatility in %-

Performance Calculator

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

Minimum & maximum performance in % p.a. (2024/02/15)

1Y
9.65
 
-7.05
3Y
3.26
 
-0.76
5Y
2.86
 
1.71

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 (2024/01/31)

ISINNameCurrency%FA
CZ0008473659DLUHOPISOVY FONDCZK16.29
CZ0008474863FOND STATNICH DLUHOPISUCZK13.31
AT0000A1YRN5ERSTE BOND EURO CORP. EUR DPM CEUR6.27
AT0000A0K282XT BOND EUR-TEUR5.36
CZ0001005037GOVERNMENT BOND 0.25 02/10/27CZK4.19
CZ0001005888GOVERNMENT BOND 1.2 03/13/31CZK3.72
CZ0001004105GOVERNMENT BOND VAR 11/19/27CZK3.15
AT0000A1Y3L6ERSTE BOND EUROPE HIGH YIELDEUR3.05
AT0000A1Y2V7ERSTE BOND LOC EMERG-EUR D02VEUR2.93
LU2407754923GS ASIA HIGH YLD B-RHEURACCEUR2.64

Top direct equity holdings in portfolio (2024/01/31)

ISINName%FA
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Percentage asset types (2024/01/31)

79.96 %Bonds and Money Markets
14.99 %Equity Markets
2.71 %Real Estates Investments
2.34 %Alternative Markets

Holdings by currency (2024/01/31)

100.00 %CZK



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.

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Performance overview table

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Contact

 
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