You have already saved a safety cushion and now want to enjoy yourself. You want to go on vacation, sometimes eat out at a good restaurant or perhaps financially support the children or grandchildren in their education. At the same time, medical expenses, minor renovations to the house or car repairs should not financially burden you. A regular additional income is necessary for such expenses. Once the financial cushion has been accumulated, it is important to structure the saved assets in order to benefit from them in the best possible way.

Our solutions for you

s Fonds Plan for regular payouts

s Fonds Plan

Small steps to a big goal. You don't have to be a large investor to make timely provisions. Make flexible monthly provisions now with small amounts (starting at 50€) and get closer step by step to your goal of maintaining your standard of living later. The s Fonds Plan helps you to do this.

Funds with a distributing unit certificate class ("distributors")

When you invest your money, you also want to see what return it has generated. Investing does not always mean just accumulating your money for years without being able to access it. If you have a fund with a distributing share class in your custody account, the income generated is credited to your checking account once a year. You can use these funds immediately for your personal use. Depending on the fund, the distribution may be high or low. Detailed information on the amount of the distribution can be found at the respective fund.



The ERSTE SELECT BOND DYNAMIC fund is an actively managed bond fund of funds. It invests flexibly in a wide variety of bond segments: national and international government bonds, corporate bonds, emerging market bonds in hard and local currency, convergence bonds from the "New Europe," but also international mortgage bonds. The weightings of the individual bond segments are determined as part of a tactical asset allocation process in order to be able to react to changes in the bond environment. The share of risky securities (i.e. credit ratings worse than investment grade) with higher yields or currency risks may account for up to 60% of the fund.

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



ERSTE GLOBAL INCOME mainly invests in the three asset classes of dividend stocks, high-yield corporate bonds and emerging market bonds. These asset classes are usually characterized by comparatively high current income ("income") in the form of dividends or coupons. The maximum equity exposure is 50% of the fund volume. Depending on the market assessment, other asset classes can be added tactically. Generally, investments are made via funds. Investors have the opportunity to achieve an attractive total return from high, current income and long-term capital growth. A hedge against foreign currency risks against the fund currency is generally not provided, but is possible.

For the existing ISIN (AT0000A1G718), which distributes annually, a distribution yield of approx. 2-3% (before KESt) is aimed for. For the quarterly distributing ISIN (AT0000A2CEG1) approx. 0.4% (after KESt) per distribution is aimed for.

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


Important information:

Please find further information and documents on the respective funds by clicking the fund name in the above overview.


Do you have questions or would like to get more information?

Your advisor at Erste Bank or Sparkasse is happy to help you.

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This document is an advertisement. All data is sourced from Erste Asset Management GmbH, unless indicated otherwise. 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. Please note that investments in securities entail risks in addition to the opportunities presented here. The value of shares and their earnings can rise and fall. Changes in exchange rates can also have a positive or negative effect on the value of an investment. For this reason, you may receive less than your originally invested amount when you redeem your shares. Persons who are interested in purchasing shares in investment funds are advised to read the current fund prospectus(es) and the Information for Investors pursuant to § 21 AIFMG, especially the risk notices they contain, before making an investment decision. 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.

Please consult the corresponding information in the fund prospectus and the Information for Investors pursuant to § 21 AIFMG for restrictions on the sale of fund shares to American citizens. Misprints and errors excepted.