Financial planning and wealth building

Mag. Heinz Bednar, CEO

"Are you already wealthy and would like to take advantage of opportunities on the international capital markets? The main wish of most investors is to achieve satisfactory returns with as little risk as possible. In uncertain times, the question of the most suitable form of investment for you is not easy to answer. Should you invest in equities or in lower-risk government securities? Take advantage of the experience and competence of our investment experts so that you are on the right track with your investment, even in difficult times."

Mag. Heinz Bednar, CEO



Simple, transparent, flexible: this is our innovative investment concept. Your personal needs come first – our experts will sort out the details.


Our investment solutions allow you to participate in the fund of your choice step by step. Regularly, for example once a month, you invest a fixed amount which automatically buys you investment fund shares at the respective issue price.

s Fonds Plan

s Fonds Plan

Regular investment in a fund of your choice


Perhaps you want to focus on the economically strong region of Germany (D), Austria (A), and Switzerland (CH). Solid and renowned companies both in the equity and the bond segment guarantee stability even in uncertain market phases.



The ERSTE D-A-CH fund is a balanced fund investing in corporate and government bonds as well as equities from the strong economies of Germany, Austria, and Switzerland. The fund may hold between 70% and 100% of its assets in corporate and government bonds (max. 10% in high-yield bonds). The equity allocation is flexible, fluctuating between 0% and 30% depending on the market assessment. The stocks and bonds of strong and renowned companies represent stability even in uncertain market phases. The currency risk from the Swiss franc is actively managed, with hedging of the currency as the main objective.

Please see the legal risk notes at the end of this page.

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Risk notes according to 2011 Austrian Investment Fund Act:

The YOU INVEST funds may make significant investments in investment funds (UCITS, UCI) pursuant to section 71 of the 2011 Austrian Investment Fund Act


This document is an advertisement. 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 Amtsblatt zur Wiener Zeitung in accordance with the provisions of the InvFG 2011 in the currently amended version. Information for Investors pursuant to § 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 § 21 AIFMG, and the key investor document/KID can be viewed in their latest versions at the web site 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 key investor document is available, and any additional locations where the documents can be obtained can be viewed on the web site A summary of investor rights is available in German and English on the website 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.

This document serves as additional information for our investors and is based on the knowledge of the staff responsible for preparing it at the time of preparation. 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.