Look for:

Our offer for

YOU INVEST balanced


The product only for clients of Erste Premier and Erste Private Banking. One-off payment up to CZK 50,000.

ISIN:
CZ0008474335

2019/12/05
NAV
1.0663
Difference 0.08% (0.00)

General attributes

Fund typeFlexible Balanced Funds
Investment companyErste Asset Management GmbH, pobočka Česká republika
CurrencyCZK
Type-
Begin of subscription period-
Inception2014/06/02
Licenced inCZ
Duration of fundopen end
Total assets1,350,388,570.00 CZK
Fiscal year01/01 - 12/31
Initial charge1.50%
Management fee0.80%
Ongoing charges1.37%
Minimum investment300 CZK
Account number-
Recommended holding periodAt least 5 years
Investor experience-
Investor tolerance3 (scale 1-7)

Fund PDF download

ProspectusPDF Download
Key Investor Information DocumentPDF Download
Obchodní podmínky České spořitelny pro poskytování investičních služebPDF Download

Fund annual reports

Annual Reports2018/12/31PDF 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 good balance of risk and return• The broad investment in a vast array of assets allows for a significant degree of risk diversification in the fund, which may reduce the risk of capital losses• You can sell your investment 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• the product only for clients of Erste Premier and Erste Private Banking• one-off payment up to CZK 50,000• regular deposit up to CZK 1,000

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

Within the YOU INVEST product family for retail clients, YOU INVEST balanced is the fund for investors with medium risk appetite. A balanced risk/return profile makes a case for this solution. Capital losses are possible. Up to 60% of assets under management are invested directly or via other investments funds in risky assets. In the context of this investment, equities and high-yield bonds, among others, are deemed risky. The risk exposure is managed actively and may fluctuate from 0 to 60% over time. The weighting of the different asset classes in the portfolio changes dynamically. The different bandwidths are determined by the chosen risk aversion/risk appetite. The goal is to achieve maximum returns while bearing in mind the risk/return profile

Performance (2019/11/28)

Period YTD
6m
1Y
(% p a)
3Y
(% p a)
5Y
(% p a)
10Y
(% p a)
since inc.
(% p a)
Perf 8.22 3.71 6.30 2.11 1.04 - 1.23

Annual performance in % (2019/11/28)

Period 2014 2015 2016 2017 2018
Perf - -0.96 0.85 3.96 -6.32

Performance Calculator

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

Minimum & maximum performance in % p.a. (2019/11/28)

1Y
6.44
 
-7.29
3Y
2.12
 
-0.63
5Y
1.32
 
0.61

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 (2019/10/31)

ISINNameCurrency%FA
CZ0008474863FOND STATNICH DLUHOPISU-13.63
AT0000A1Y9A6ESPA MORTGAGE-EUR D02 V-10.10
CZ0001004113GOVERNMENT BOND VAR 12/09/20-8.45
LU0616945100CANDR BONDS-EMER MKTS-V-7.48
AT0000A1YRA2ESPA BOND DOLLAR USD D02-6.42
LU1382551585ASHMORE-EM LOC CUR BD-IEURU-5.45
AT0000A1YA53T 1900 -EUR D02 V-5.00
AT0000A1Y3E1ESPA BOND USA HI YLD-EUR DPM C-3.62
CZ0008473188LIKVIDITNI FOND-3.54
LU1054331407DWS- INVEST- EU H YL CP-IC-2.67

Percentage asset types (2019/10/31)

65.47 %Bonds Markets
15.36 %Equity Markets
9.65 %Alternative Markets
9.52 %Money Markets
 
0.00 %Equity Futures



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.

Find a branch...

Buy securities directly in a branch of Česká spořitelna.

Trade via George…

Enjoy the opportunity to trade selected securities online via George, the new banking.

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.




Accept

We use cookies and web analysis software to give you the best possible experience on our website. By continuing to browse this website, you consent for these tools to be used. For more details and how to opt out of these, please read our Data protection policy.

INFORMATION FOR PRIVATE CLIENTS / CONSUMERS

Any information, material and services regarding financial instruments and securities provided by Česká spořitelna/Erste Group/ or any of its affiliates (collectively “Erste Group“) on this and any linked website hereafter (jointly the “Websites“) shall be exclusively to investors who are not subject to any legal sale or purchase restrictions.

By agreeing to this hereto, the visitor entering this Websites confirms that has read, understood and accepted this Information and the Disclaimer