Invest in a global mix
What is a global mix?
Investing in a global mix means that you invest your money in different asset classes or geographical regions. For example, you invest not only in companies from the USA, but also from Europe and China. This is intended to spread the risk. Due to the investment in foreign currencies, the fund value can be affected by changes in exchange rates.
Imagine you have a basket of apples, pears and lemons. If you only have apples and nobody wants to buy more apples, then you have a problem. If you also offer pears and lemons, then you can also earn money if no one wants to buy more apples. That is the idea of diversification.
The four seasons
Just like in nature, there are different seasons in the economy. This also has an impact on the stock markets. Depending on the season, different asset classes such as stocks, gold, or bonds make sense. You can learn more about the seasons in the blog post. There are also risks involved in investing in securities.
Dividend basics for shareholders
More and more investors are not only looking at share price performance when selecting shares, but also at a stable, high dividend - and with good reason. In this blog post, you will find out what a dividend is. It also answers the following questions: What is the amount of the dividend based on? How often is a dividend paid out?
Investing in a global mix
You can invest in a global mix with the following three funds. ERSTE REAL ASSETS focuses on real assets. It invests primarily in equities, commodities and precious metals. ERSTE GLOBAL INCOME focuses on bonds and equities. ERSTE RESPONSIBLE STOCK GLOBAL invests in a broadly diversified range of global equities. Further information on the investment funds can be found in the following paragraphs. Please note that investing in securities entails risks in addition to the opportunities described.
ERSTE REAL ASSETS
ERSTE REAL ASSETS is a mixed fund that invests in real assets. This includes the following asset classes:
- The investment fund focuses on global equities. Investments are made in companies from different regions, industries and sectors.
- In the case of commodities, investments are made in industrial metals in particular. These are used in production and are therefore important components of real goods.
- Gold is a limited commodity and cannot be increased at will. It gains in value particularly in times of crisis. This is why the focus of precious metals is on gold.
- Real estate is a durable and stable asset. Rental income is generated on an ongoing basis. The fund invests in real estate funds with a focus on Austria.
Please note that investing in securities entails risks as well as the opportunities described above.
Mixed fund with a focus on real assets
Inflation: how to protect your savings
Real values
The investment focus is on real assets (e.g. real estate, commodities and precious metals).
Capital growth
The investment objective is long-term capital growth.
Broad diversification
You invest broadly diversified in various asset classes.
Price fluctuations
The price of the fund can fluctuate significantly due to various influencing factors.
Exchange rate changes
Due to the investment in foreign currencies, the fund value may be adversely affected by changes in exchange rates.
Capital loss possible
Capital loss is a possible consequence of investing in the stock market.
ERSTE GLOBAL INCOME
ERSTE GLOBAL INCOME is a mixed, actively managed fund of funds. This means that the fund assets are not invested directly in individual securities, but in several open-ended investment funds. These are also referred to as sub-funds.
- The fund focuses on bonds from emerging markets and corporate bonds from the high-yield segment. The latter refers to bonds that have a high risk but can also generate a high return.
- In addition to bonds, ERSTE GLOBAL INCOME also invests in equities. Investments are primarily made in companies from the North America region. Other areas include Western Europe and emerging markets.Please note that investing in securities entails risks in addition to the opportunities described above.
Please note that investing in securities entails risks in addition to the opportunities described above.
Mixed, actively managed umbrella fund
Dividend
The focus is on current interest income and dividends.
Distribution
You receive an annual distribution from the fund.
Broad diversification
You invest broadly diversified in various asset classes.
Price fluctuations
The price of the fund can fluctuate significantly due to various influencing factors.
Exchange rate changes
Due to the investment in foreign currencies, the fund value may be adversely affected by changes in exchange rates.
Capital loss possible
Capital loss is a possible consequence of investing in the stock market.
ERSTE RESPONSIBLE STOCK GLOBAL
ERSTE RESPONSIBLE STOCK GLOBAL is a sustainable fund. It invests worldwide, primarily in shares of selected companies in developed markets. These include the USA and Europe, but also Asia and Japan. Equities from emerging markets may also be included in the portfolio. The fund focuses on the IT sector. Investments are also made in companies from the following sectors: Healthcare, Financials and Industrials.
The fund may be of interest to you if you want to invest in the global equity market in a broadly diversified and sustainable manner. Please note that investing in securities entails risks in addition to the opportunities described above.
Global equity fund with a focus on sustainably oriented companies
Clearly defined criteria
Your money is invested in accordance with clearly defined sustainability criteria.
Focus on sustainability
The fund aims to make a positive contribution to nature, the climate and society (in accordance with Article 8 of the EU Disclosure Regulation).
Broad diversification
You make broadly diversified investments in various sustainably oriented companies.
Price fluctuations
The price of the fund can fluctuate significantly due to various influencing factors.
Exchange rate changes
Due to the investment in foreign currencies, the fund value may be adversely affected by changes in exchange rates.
Capital loss possible
Capital loss is a possible consequence of investing in the stock market.
FAQs
A global portfolio can reduce risk, but it cannot remove it. During major market disruptions, many regions and asset classes may react to the same events, such as rising interest rates, geopolitical tensions, or slowing economic growth. As a result, stocks, bonds, and other investments can decline at the same time. Diversification helps manage risk, but it does not guarantee positive returns.
Gold, stocks, and bonds respond to different market forces. Stocks are often influenced by corporate earnings and economic growth, while bonds are more sensitive to interest rates and inflation. Gold is frequently viewed as a store of value during periods of uncertainty. Because these drivers differ, the three asset classes may perform differently under the same market conditions.
Exchange rates can influence investment returns when stocks or other assets are denominated in a currency different from the investor’s home currency. Even if a foreign stock increases in value, an unfavorable exchange rate movement can reduce part of the gain when the investment is converted back into euros. On the other hand, favorable currency movements can boost returns. This means investors in international markets face not only stock market risk but also currency risk.
Real assets are investments with tangible economic value, such as businesses, real estate, or certain commodities. During periods of inflation, some of these assets may benefit from rising prices or pass higher costs on to customers. However, real assets do not provide guaranteed inflation protection because their value remains influenced by market conditions, supply, demand, and economic cycles.
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 web site 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 fund prospectus or the Information for Investors pursuant to Art 21 AIFMG and the Key Information Document are available, and any additional locations where the documents can be obtained can be viewed on the web site 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.
More Information
Gold price under pressure
Many investors have been asking themselves: why is the price falling when gold is widely regarded as the ultimate safe haven for investors? An even more critical question arises: is this sharp correction set to last, or could the rally resume after a brief pause?
Why emerging markets are worth a look
Fund manager Thomas Oposich explains in an interview what makes investments in emerging market bonds interesting. He also reports on which sectors and companies he considers promising.
Gold as a "safe haven" in times of crisis
Gold has played an important role for centuries. While it initially served as a means of payment, the role of the precious metal changed to that of a crisis currency and a store of wealth in uncertain times.