| 2021/09/21 | |
|---|---|
| NAV | |
| 1.1020 | |
| Difference | -0.15% (-0.00) |
General attributes
| Fund type | Flexible Balanced Funds |
| Investment company | Erste Asset Management GmbH, pobočka Česká republika |
| Currency | CZK |
| Type | - |
| Begin of subscription period | - |
| Inception | 2007/09/03 |
| Licenced in | CZ |
| Duration of fund | open end |
| Total assets | 215,292,864.00 CZK |
| Fiscal year | 01/01 - 12/31 |
| Initial charge | 1.50% |
| Management fee | 1.60% |
| Ongoing charges | 2.26% |
| Minimum investment | 300 CZK |
| Account number | 35-2001373369/0800 |
| Recommended holding period | At least 7 years |
| Investor experience | - |
| Investor tolerance | 4 (scale 1-7) |
Fund PDF download
| Prospectus |  |
| Key Investor Information Document | |
| CZ Monthly fund report | |
| Obchodní podmínky České spořitelny pro poskytování investičních služeb | |
| CZ Flyer FŽC | |
Fund annual reports
| Annual Reports | 2020/12/31 | |
| Annual Reports | 2019/12/31 | |
| First-Half Report | 2021/06/30 | |
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 an additional alternative to a superannuation scheme• Undoubtedly ideal investment for regular investments• The fund is actively managed• The currency risk is actively managed• Money is usually available within a week• Your minimum investment in ČS fond životního cyklu is CZK 300 | • The value of investment in the share fund may fluctuate during the investment period• At retirement, you can ask for the payout of all your investment or for sending a regular amount |
Secondary market
Purchase of share certificates Redemption/sale of share certificates For new clients: |
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
| The performance objective of the fund is to exceed the yields on bonds through combined investments in bonds and stocks in the long term. It is an open share fund with an optimized investment strategy adjusted to the long-term investment horizon. It is intended for investors who plan to use their money around the year 2030. The strategy uses the growth potential of stock markets, by which an attractive yield can be achieved. Thanks to life cycle funds, the investor can secure his/her future financial needs, for example at retirement. The fund modifies the portfolio composition with the approaching investment (fund) end date. At the fund beginning, investments are made into dynamic assets – stocks which, however, bring historically highest yields in the long term. The stock part is invested through index stock funds (of ETF type), which leads to a very broad diversification and cost saving. The currency risk is actively managed. The asset distribution will gradually become more conservative during the fund life with the approaching target date (for example the expected retirement date). At the end of the investment, investments will only be made into most conservative assets – solely in money market instruments. |
Performance (2021/09/16)
| Period | YTD |
6m |
1Y (% p a) |
3Y (% p a) |
5Y (% p a) |
10Y (% p a) |
since inc. (% p a) |
| Perf | 5.32 | 3.52 | 9.61 | 4.32 | 4.34 | 4.94 | 0.77 |
Annual performance in % (2021/09/16)
| Period | 2016 | 2017 | 2018 | 2019 | 2020 |
| Perf | 3.34 | 6.97 | -9.01 | 14.01 | 2.86 |
Minimum & maximum performance in % p.a. (2021/09/16)
| 1Y | 57.40  |
 -50.85 | |
| 3Y | 17.80 |
-12.38 | |
| 5Y | 13.75 |
-6.39 | |
| 10Y | 7.75 |
-0.69 |
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 (2021/08/31)
| ISIN | Name | Currency | %FA |
| CZ0008474863 | FOND STATNICH DLUHOPISU | CZK | 18.17 |
| LU0755570602 | CSF LX COMMODITY INDEX PLUS | EUR | 5.66 |
| AT0000A1Y9T6 | ERSTE STOCK GLOBAL-EUR D02 V | EUR | 5.60 |
| CZ0008475233 | SPOROBOND CZK DPM C | CZK | 5.59 |
| AT0000A1YRN5 | ERSTE BOND EURO CORP. EUR DPM C | EUR | 5.38 |
| LU0640477955 | THREAD LUX-US CONT COR E-IU | USD | 5.19 |
| - | S & P 500 E-MINI CMESEP21 | USD | 4.48 |
| LU0248041781 | JPMORGAN F-AMERICA EQTY-IACC | USD | 4.47 |
| IE00BYVJRR92 | ISHARES SUST MSCI USA SRI | USD | 3.31 |
| AT0000A27ZR9 | ERSTE BOND CHINA-R01 RT | EUR | 2.92 |
Percentage holdings by region (2021/08/31)
 | 60.00 % | Others (Bonds, Money Market, Commodity) |
| 28.90 % | American Equities |
| 6.50 % | European Equities |
| 4.40 % | Asia and Emerging Markets Equities |
| 0.20 % | Japan Equities |
Percentage asset types (2021/08/31)
| 54.30 % | Bonds and Money Market |
| 40.00 % | Equity Markets |
| 5.70 % | Commodities |
Holdings by currency (2021/08/31)
| 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. |
