Financial planning and wealth building.

You are looking for an investment that is suitable for the long-term building of wealth? If you are interested in financial planning and the wealth building, we have solutions available that combine different asset classes. For example, we combine the growth opportunities of equities with the yields of fixed-income securities. Through active management, the fund manager can switch into fixed-income securities if share prices are stagnating or falling, and s/he can shift the focus back to equities once the equity market has entered an upward phase again. Different strategies are available for different risk types.



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 ESPA 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.


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

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

Interested in financial topics?

Read the EAM Investment Blog!

In Erste Asset Management's investment blog you can find
commentaries and analyses on topics such as Equities,
Sustainable Investment, Eastern Europe/Emerging Markets.

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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. 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 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

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.

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.