<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml"><url><loc>https://www.erste-am.at/en/private-investors</loc><lastmod>2025-11-24T12:55:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds</loc><lastmod>2024-08-21T08:54:48+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/fund-search</loc><lastmod>2025-11-28T08:08:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/fund-search"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/fondssuche"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/performance-overview</loc><lastmod>2025-09-17T10:07:48+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/performance-overview"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/performance-uebersicht"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/mandatory-publications</loc><lastmod>2025-05-13T08:56:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/mandatory-publications"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/pflichtveroeffentlichungen"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/fixed-income-funds</loc><lastmod>2025-07-16T12:52:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/fixed-income-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/anleihenfonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/equity-funds</loc><lastmod>2025-10-01T10:33:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/equity-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/aktienfonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/balanced-funds</loc><lastmod>2025-10-02T09:12:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/balanced-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/gemischte-fonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/tax-free-profit-allowance</loc><lastmod>2026-02-20T08:41:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/tax-free-profit-allowance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/gewinnfreibetrag"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/funds-for-pension-reserves</loc><lastmod>2026-02-20T08:40:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/funds-for-pension-reserves"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/pensionsrueckstellungsfonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/index-disclaimer</loc><lastmod>2024-09-09T16:17:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/index-disclaimer"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/investor-rights</loc><lastmod>2026-01-12T12:42:35+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/investor-rights"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/anlegerrechte"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-opportunities-mix</loc><lastmod>2026-03-19T14:51:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-opportunities-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-wwf-stock-environment</loc><lastmod>2026-03-19T14:50:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-wwf-stock-environment"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/wwf-kooperation"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/core-equities</loc><lastmod>2026-03-19T14:49:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/core-equities"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/core-equities"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-stock-techno</loc><lastmod>2026-03-23T10:44:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-stock-techno"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-techno"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-futureinvest</loc><lastmod>2026-03-19T14:48:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-futureinvest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-futureinvest"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/corporate-bonds</loc><lastmod>2025-10-08T16:00:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/corporate-bonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/unternehmensanleihen"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/environmental-technologies</loc><lastmod>2025-10-27T15:04:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/environmental-technologies"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/umwelttechnologien"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/global-mix</loc><lastmod>2026-02-20T08:35:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/global-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/globaler-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-green-invest</loc><lastmod>2026-03-19T14:46:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-green-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-green-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-fair-invest</loc><lastmod>2026-03-19T14:45:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-fair-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-fair-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-green-invest-mix</loc><lastmod>2026-03-19T14:44:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-green-invest-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-stock-quality</loc><lastmod>2026-03-19T14:42:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-stock-quality"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-quality"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-equity-research</loc><lastmod>2026-03-19T14:41:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-equity-research"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-equity-research"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/you-invest-flexible</loc><lastmod>2026-02-20T08:43:08+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/you-invest-flexible"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/you-invest-flexible"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-security-invest</loc><lastmod>2026-03-19T14:41:06+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-security-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-security-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-stock-gold</loc><lastmod>2026-03-19T14:40:20+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-stock-gold"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-gold"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/greenstars-fonds</loc><lastmod>2026-03-19T14:39:35+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/greenstars-fonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/greenstars-fonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-funds/erste-digital-assets</loc><lastmod>2026-03-23T12:34:00+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-digital-assets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-digital-assets"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions</loc><lastmod>2025-10-27T15:24:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/vorsorge</loc><lastmod>2026-01-14T15:47:41+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/vorsorge"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/vorsorge"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/saving-with-funds</loc><lastmod>2026-01-14T15:47:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/saving-with-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/sparen-mit-fonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/regular-income</loc><lastmod>2026-01-13T10:51:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/regular-income"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/regelmaessiges-einkommen"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/investment-tips</loc><lastmod>2026-01-13T10:50:00+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/investment-tips"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/veranlagungstipps"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/what-is-a-fund</loc><lastmod>2025-12-16T08:35:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/what-is-a-fund"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/was-ist-ein-fonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/buying-funds</loc><lastmod>2025-10-08T15:09:01+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/buying-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-kaufen"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary</loc><lastmod>2025-10-15T14:01:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/absolute-return</loc><lastmod>2020-04-09T14:51:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/absolute-return"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/absolute-return"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/accumulating-sharecertificate-class</loc><lastmod>2026-02-16T08:17:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/accumulating-sharecertificate-class"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/aif-retail</loc><lastmod>2020-04-09T14:51:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/aif-retail"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/alternative-investment-funds</loc><lastmod>2025-09-01T12:15:29+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/alternative-investment-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/annual-report</loc><lastmod>2020-04-09T14:51:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/annual-report"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/asset-allocation</loc><lastmod>2020-04-09T14:51:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/asset-allocation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/asset-allocation"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/asset-management</loc><lastmod>2020-04-09T14:51:30+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/asset-management"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/average-term-to-maturity</loc><lastmod>2020-04-09T14:51:31+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/average-term-to-maturity"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/balanced-funds</loc><lastmod>2024-10-31T13:09:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/balanced-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/benchmark</loc><lastmod>2020-04-09T14:51:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/benchmark"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/benchmark"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/best-in-class</loc><lastmod>2020-04-09T14:51:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/best-in-class"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/best-in-class"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/beta</loc><lastmod>2020-04-09T14:51:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/beta"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/beta"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/bond-funds</loc><lastmod>2023-07-03T09:05:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/bond-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/capital-gains-tax</loc><lastmod>2020-04-09T14:51:48+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/capital-gains-tax"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/capital-gains-tax-for-foreigners</loc><lastmod>2020-04-09T14:51:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/capital-gains-tax-for-foreigners"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/capital-maintenance</loc><lastmod>2020-04-09T14:51:53+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/capital-maintenance"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/capitalplan</loc><lastmod>2026-01-14T15:47:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/capitalplan"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ceteris-paribus</loc><lastmod>2020-04-09T14:51:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ceteris-paribus"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ceteris-paribus"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/commitment-approach</loc><lastmod>2020-04-09T14:52:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/commitment-approach"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/commitment-approach"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/cooperation-fund</loc><lastmod>2020-04-09T14:52:03+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/cooperation-fund"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/cost-averaging-principle</loc><lastmod>2026-01-19T10:32:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/cost-averaging-principle"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/creditworthiness</loc><lastmod>2020-04-09T14:52:08+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/creditworthiness"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/currency-risk-hedging</loc><lastmod>2020-04-09T14:52:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/currency-risk-hedging"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ongoing-costs</loc><lastmod>2025-03-05T11:05:26+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ongoing-costs"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/custodian-bank</loc><lastmod>2020-04-09T14:52:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/custodian-bank"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/derivative-financial-instruments</loc><lastmod>2020-04-09T14:52:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/derivative-financial-instruments"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/distribution</loc><lastmod>2026-02-16T08:17:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/distribution"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/distribution-quarterly</loc><lastmod>2026-02-16T08:17:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/distribution-quarterly"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/distribution-yield</loc><lastmod>2020-04-09T14:52:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/distribution-yield"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/diversification</loc><lastmod>2020-04-09T14:52:29+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/diversification"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/dividend-shares</loc><lastmod>2020-04-09T14:52:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/dividend-shares"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/dividend-yield</loc><lastmod>2023-07-03T09:20:29+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/dividend-yield"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/duration</loc><lastmod>2020-04-09T14:52:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/duration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/duration"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/emerging-markets</loc><lastmod>2020-04-09T14:52:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/emerging-markets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emerging-markets"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/equity-funds</loc><lastmod>2020-04-09T14:52:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/equity-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esg</loc><lastmod>2023-07-03T11:22:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esg"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esgenius-analyse</loc><lastmod>2023-10-10T08:24:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esgenius-analyse"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esgenius-analyse"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/etf</loc><lastmod>2020-04-09T14:52:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/etf"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/etf"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ex-dividend-date</loc><lastmod>2020-04-09T14:52:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ex-dividend-date"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/feeder-funds</loc><lastmod>2023-04-13T12:59:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/feeder-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/master-feeder-funds</loc><lastmod>2023-04-13T12:59:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/master-feeder-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fixed-income-funds</loc><lastmod>2020-04-09T14:53:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fixed-income-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/floater</loc><lastmod>2020-04-09T14:53:03+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/floater"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/floater"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/front-end-load</loc><lastmod>2020-04-09T14:53:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/front-end-load"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-assets</loc><lastmod>2020-04-09T14:53:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-assets"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-mergers</loc><lastmod>2024-04-03T09:11:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-mergers"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-of-funds</loc><lastmod>2020-04-09T14:53:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-of-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-rules</loc><lastmod>2020-04-09T14:53:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-rules"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/futures</loc><lastmod>2020-04-09T14:53:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/futures"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/futures"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/gross-dividend-distribution</loc><lastmod>2020-04-09T14:53:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/gross-dividend-distribution"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hedging</loc><lastmod>2020-04-09T14:53:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hedging"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hedging"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hedge-funds</loc><lastmod>2020-04-09T14:53:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hedge-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/high-yield-bonds</loc><lastmod>2024-05-13T11:05:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/high-yield-bonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hybrid-bonds</loc><lastmod>2024-05-27T12:15:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hybrid-bonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/income-adjustment</loc><lastmod>2020-04-09T14:53:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/income-adjustment"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/information-ratio</loc><lastmod>2020-04-09T14:53:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/information-ratio"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/information-ratio"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-approach</loc><lastmod>2020-04-09T14:53:38+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-approach"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-company</loc><lastmod>2020-04-09T14:53:41+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-company"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-fund</loc><lastmod>2023-07-03T11:33:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-fund"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-fund-act</loc><lastmod>2020-04-09T14:53:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-fund-act"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-grade</loc><lastmod>2020-04-09T14:53:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-grade"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investment-grade"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/isin</loc><lastmod>2020-04-09T14:53:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/isin"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/isin"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/issue</loc><lastmod>2020-04-09T14:53:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/issue"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/issue-price</loc><lastmod>2020-04-09T14:53:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/issue-price"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/issuer</loc><lastmod>2020-04-09T14:53:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/issuer"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/j-no-term</loc><lastmod>2020-04-09T14:54:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/j-no-term"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/kest</loc><lastmod>2020-04-09T14:54:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/kest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kest"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/kid</loc><lastmod>2023-02-21T15:58:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/kid"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/l-no-term</loc><lastmod>2020-04-09T14:54:14+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/l-no-term"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/management-company</loc><lastmod>2020-04-09T14:54:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/management-company"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/market-capitalisation</loc><lastmod>2020-04-09T14:54:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/market-capitalisation"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/market-cycles</loc><lastmod>2020-04-09T14:54:21+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/market-cycles"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/maximum-drawdown</loc><lastmod>2020-04-09T14:54:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/maximum-drawdown"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/min-max-performance</loc><lastmod>2020-04-09T14:54:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/min-max-performance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/min-max-performance"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/minimum-holding-period</loc><lastmod>2023-04-11T10:52:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/minimum-holding-period"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/modified-duration</loc><lastmod>2020-04-09T14:54:29+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/modified-duration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/modified-duration"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/mutual-fund</loc><lastmod>2020-04-09T14:54:31+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/mutual-fund"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/near-money-market-fund</loc><lastmod>2020-04-09T14:54:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/near-money-market-fund"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/net-asset-value</loc><lastmod>2020-04-09T14:54:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/net-asset-value"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/net-dividend-distribution</loc><lastmod>2020-04-09T14:54:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/net-dividend-distribution"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/nominal-value</loc><lastmod>2020-04-09T14:54:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/nominal-value"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/oekb</loc><lastmod>2020-04-09T14:54:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/oekb"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/oekb"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/oekb-method</loc><lastmod>2020-04-09T14:54:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/oekb-method"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/order</loc><lastmod>2020-04-09T14:54:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/order"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/order"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ordinary-income</loc><lastmod>2020-04-09T14:54:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ordinary-income"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/per-price-earnings-ratio</loc><lastmod>2020-04-09T14:54:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/per-price-earnings-ratio"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/performance</loc><lastmod>2020-04-09T14:54:53+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/performance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/performance"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/portfolio</loc><lastmod>2020-04-09T14:54:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/portfolio"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/portfolio"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/portfolio-management</loc><lastmod>2020-04-09T14:54:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/portfolio-management"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/prospectus</loc><lastmod>2020-04-09T14:55:01+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/prospectus"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/q-no-term</loc><lastmod>2020-04-09T14:55:04+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/q-no-term"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/rating</loc><lastmod>2020-04-09T14:55:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/rating"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rating"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/recommended-holding-period</loc><lastmod>2023-05-09T11:52:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/recommended-holding-period"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/redemption-price</loc><lastmod>2020-04-09T14:55:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/redemption-price"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/repurchase-agreement</loc><lastmod>2020-04-09T14:55:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/repurchase-agreement"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/risk-profile</loc><lastmod>2023-05-09T11:53:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/risk-profile"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/roce</loc><lastmod>2020-04-09T14:55:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/roce"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/roce"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/roe</loc><lastmod>2023-05-09T11:54:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/roe"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/roe"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/security</loc><lastmod>2020-04-09T14:55:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/security"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/securities-identification-number</loc><lastmod>2020-04-09T14:55:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/securities-identification-number"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/s-fonds-plan</loc><lastmod>2026-01-13T13:04:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/s-fonds-plan"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/s-fonds-plan"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/share-certificate</loc><lastmod>2020-04-09T14:55:29+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/share-certificate"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/share-certificate-type</loc><lastmod>2020-04-09T14:55:31+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/share-certificate-type"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/sharpe-ratio</loc><lastmod>2020-04-09T14:55:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/sharpe-ratio"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/sharpe-ratio"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/short-position</loc><lastmod>2020-04-09T14:55:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/short-position"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/short-position"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/single-security-risk</loc><lastmod>2020-04-09T14:55:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/single-security-risk"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/socially-responsible-investing</loc><lastmod>2020-04-09T14:56:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/socially-responsible-investing"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/special-assets</loc><lastmod>2020-04-09T14:56:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/special-assets"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/special-funds</loc><lastmod>2020-04-09T14:57:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/special-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/spread</loc><lastmod>2020-04-09T14:57:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/spread"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/spread"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/statement-of-accounts</loc><lastmod>2020-04-09T14:57:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/statement-of-accounts"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/subordinated-seniority</loc><lastmod>2020-04-09T14:57:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/subordinated-seniority"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/summary-risk-indicator</loc><lastmod>2025-08-12T11:21:23+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/summary-risk-indicator"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/summary-risk-indicator"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/technical-indicators</loc><lastmod>2020-04-09T14:57:26+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/technical-indicators"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/tracking-error</loc><lastmod>2020-04-09T14:57:29+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/tracking-error"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/transaction-costs</loc><lastmod>2020-04-09T14:57:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/transaction-costs"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/trustee-security-status</loc><lastmod>2020-04-09T14:57:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/trustee-security-status"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ucits</loc><lastmod>2020-04-09T14:57:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ucits"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/value-at-risk</loc><lastmod>2020-04-09T14:57:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/value-at-risk"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/value-at-risk"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/value-date</loc><lastmod>2020-04-09T14:57:41+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/value-date"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/volatility</loc><lastmod>2020-04-09T14:57:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/volatility"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/withdrawal-plan</loc><lastmod>2020-04-09T14:57:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/withdrawal-plan"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/x-no-term</loc><lastmod>2020-04-09T14:57:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/x-no-term"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/yield</loc><lastmod>2023-07-03T11:37:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/yield"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/z-no-term</loc><lastmod>2020-04-09T14:57:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/z-no-term"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hawkish</loc><lastmod>2022-05-17T09:11:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hawkish"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hawkish"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/bearish</loc><lastmod>2022-05-17T09:12:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/bearish"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bearish"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/key-interest-rate</loc><lastmod>2026-03-20T13:01:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/key-interest-rate"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/engagement</loc><lastmod>2023-05-15T12:09:43+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/engagement"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/engagement"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esgenius-score</loc><lastmod>2024-10-28T13:20:31+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esgenius-score"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esgenius-score"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/integration</loc><lastmod>2024-10-30T09:13:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/integration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/integration"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/responsible</loc><lastmod>2024-10-30T09:13:09+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/responsible"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/responsible"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/impact</loc><lastmod>2024-10-30T09:12:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/impact"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fondssparen</loc><lastmod>2024-10-30T09:12:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fondssparen"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fondssparen"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/aktiv-gemanagt</loc><lastmod>2024-10-30T09:12:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/aktiv-gemanagt"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/aktiv-gemanagt"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/passiv-gemanagt</loc><lastmod>2024-10-30T09:12:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/passiv-gemanagt"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/passiv-gemanagt"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/active-ownership</loc><lastmod>2024-10-30T09:11:48+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/active-ownership"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/active-ownership"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/voting</loc><lastmod>2024-10-30T09:11:31+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/voting"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/voting"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/verwaltungsgebuehr</loc><lastmod>2024-10-30T09:11:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/verwaltungsgebuehr"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verwaltungsgebuehr"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/performance-fee</loc><lastmod>2024-10-30T09:10:57+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/performance-fee"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/performance-fee"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/index</loc><lastmod>2024-10-30T09:10:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/index"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/index"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/indexfonds</loc><lastmod>2024-10-30T09:10:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/indexfonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/indexfonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/kmu</loc><lastmod>2024-10-30T09:08:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/kmu"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kmu"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/gewinnfreibetrag</loc><lastmod>2024-10-30T09:07:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/gewinnfreibetrag"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/gewinnfreibetrag"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/eu-taxonomie</loc><lastmod>2024-10-30T09:05:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/eu-taxonomie"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/eu-taxonomie"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/zinsaenderungsrisiko</loc><lastmod>2024-10-30T09:04:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/zinsaenderungsrisiko"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/zinsaenderungsrisiko"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/principal-adverse-impacts</loc><lastmod>2024-10-30T09:02:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/principal-adverse-impacts"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/principal-adverse-impacts"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/nutzer-isd-referenzwerte-vo</loc><lastmod>2024-10-30T09:01:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/nutzer-isd-referenzwerte-vo"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nutzer-isd-referenzwerte-vo"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fremdwaehrungsrisiko</loc><lastmod>2024-10-30T08:59:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fremdwaehrungsrisiko"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fremdwaehrungsrisiko"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/laenderrisiko</loc><lastmod>2024-10-30T08:58:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/laenderrisiko"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/laenderrisiko"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/emittentenrisiko</loc><lastmod>2024-10-30T08:57:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/emittentenrisiko"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emittentenrisiko"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/paragraph-10-estg</loc><lastmod>2024-10-30T08:55:08+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/paragraph-10-estg"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/paragraph-10-estg"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/offenlegungsverordnung</loc><lastmod>2024-10-30T08:50:41+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/offenlegungsverordnung"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/offenlegungsverordnung"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/pensionskassengesetz</loc><lastmod>2024-10-30T08:49:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/pensionskassengesetz"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/pensionskassengesetz"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/sustainable-finance-disclosure-regulation</loc><lastmod>2024-10-30T08:48:07+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/sustainable-finance-disclosure-regulation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/sustainable-finance-disclosure-regulation"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/single-security-fund</loc><lastmod>2025-11-19T14:56:07+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/single-security-fund"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-savings-plan</loc><lastmod>2026-01-19T10:34:31+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fund-savings-plan"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/lmts</loc><lastmod>2026-01-23T08:37:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/lmts"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/lmts"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/redemption-gates</loc><lastmod>2026-01-23T08:38:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/redemption-gates"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ruecknahmebeschraenkungen"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/verlaengerung-kuendigungsfristen</loc><lastmod>2026-01-23T08:10:20+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/verlaengerung-kuendigungsfristen"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verlaengerung-kuendigungsfristen"/></url><url><loc>https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/distributing-share-class</loc><lastmod>2026-02-16T08:18:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/distributing-share-class"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability</loc><lastmod>2026-02-20T08:19:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/cooperations-and-certifications/rotes-kreuz-kooperation</loc><lastmod>2025-09-12T09:00:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/cooperations-and-certifications/rotes-kreuz-kooperation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/nachhaltige-kooperationen/rotes-kreuz-kooperation"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/integration</loc><lastmod>2025-08-21T15:54:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/integration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/integration"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/impact</loc><lastmod>2025-10-15T16:21:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/impact/erste-responsible-microfinance</loc><lastmod>2025-08-12T15:24:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/impact/erste-responsible-microfinance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact/erste-responsible-microfinance"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/impact/erste-responsible-bond-global-impact</loc><lastmod>2025-08-12T15:24:28+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/impact/erste-responsible-bond-global-impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact/erste-responsible-bond-global-impact"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/responsible</loc><lastmod>2026-02-20T08:49:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/responsible"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/responsible"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/green-consumption-pledge</loc><lastmod>2025-08-12T15:50:53+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/green-consumption-pledge"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/green-consumption-pledge"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/esg-fund-finder</loc><lastmod>2025-12-02T09:53:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/esg-fund-finder"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/esg-fonds-finder"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/esgenius-letter</loc><lastmod>2026-02-20T08:47:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/esgenius-letter"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/esgenius-letter"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/esgenius-score</loc><lastmod>2025-11-05T11:33:00+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/esgenius-score"/></url><url><loc>https://www.erste-am.at/en/private-investors/sustainability/certifications</loc><lastmod>2026-04-01T08:46:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/certifications"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/zertifizierungen"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we</loc><lastmod>2024-08-21T15:37:43+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/core-competencies</loc><lastmod>2025-08-21T15:17:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/core-competencies"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/kernkompetenzen"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/cooperation</loc><lastmod>2025-09-11T09:44:26+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/cooperation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/kooperationen"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/career</loc><lastmod>2026-02-20T08:59:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/career"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/career/career-paths</loc><lastmod>2025-08-21T15:21:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/career/career-paths"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/karrierewege"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/career/employee-benefits</loc><lastmod>2025-10-16T08:44:53+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/career/employee-benefits"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/mitarbeiter-vorteile"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/career/job-not-found</loc><lastmod>2026-03-18T15:40:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/career/job-not-found"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/about-us</loc><lastmod>2025-07-22T09:08:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/about-us"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/ueber-uns"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/awards</loc><lastmod>2025-07-22T10:05:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/awards"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/awards"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/investment-process</loc><lastmod>2025-08-12T10:50:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/investment-process"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/investmentprozess"/></url><url><loc>https://www.erste-am.at/en/private-investors/who-are-we/locations</loc><lastmod>2025-12-15T03:00:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/locations"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/standorte"/></url><url><loc>https://www.erste-am.at/en/private-investors/calculator/additional-income-calculator</loc><lastmod>2025-11-24T15:50:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/calculator/additional-income-calculator"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner/monatliches-zusatzeinkommen-rechner"/></url><url><loc>https://www.erste-am.at/en/private-investors/calculator/performance-calculator</loc><lastmod>2026-01-14T15:40:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/calculator/performance-calculator"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner/performance-rechner"/></url><url><loc>https://www.erste-am.at/en/private-investors/calculator/investment-calculator</loc><lastmod>2025-11-24T15:49:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/calculator/investment-calculator"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner/zukunftiges-vermogen"/></url><url><loc>https://www.erste-am.at/en/private-investors/press</loc><lastmod>2026-03-02T09:01:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen</loc><lastmod>2025-03-03T09:28:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/01/25/Outlook2019</loc><lastmod>2024-09-03T13:09:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/01/25/Outlook2019"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/04/04/geld-groesste-hebel-gegen-den-klimawandel</loc><lastmod>2025-05-08T14:21:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/04/04/geld-groesste-hebel-gegen-den-klimawandel"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/04/04/geld-groesste-hebel-gegen-den-klimawandel"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/07/12/meat-production-sustainable-investing</loc><lastmod>2025-07-18T11:11:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/07/12/meat-production-sustainable-investing"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/07/12/fleischkonsum-sicht-nachhaltiger-investor"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/07/18/capital-market-outlook-2019</loc><lastmod>2024-09-03T13:14:01+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/07/18/capital-market-outlook-2019"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/07/18/kapitalmarktausblick-2-halbjahr-2019"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/09/13/voting-season-2019</loc><lastmod>2024-09-03T13:16:14+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/09/13/voting-season-2019"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/09/13/stimmrechtsaison-2019"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/09/19/study-megatrends-austria</loc><lastmod>2024-09-03T13:17:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/09/19/study-megatrends-austria"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/09/19/studie-megatrends-oesterreich"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/11/27/erste-am-outlook-capital-markets-2020</loc><lastmod>2024-08-29T14:28:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/11/27/erste-am-outlook-capital-markets-2020"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/02/01/espa-biggest-investment-company-in-aut</loc><lastmod>2024-09-03T13:20:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/02/01/espa-biggest-investment-company-in-aut"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/02/05/erste-asset-management--why-the-carbon-footprint-of-equity-funds</loc><lastmod>2024-09-03T13:22:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/02/05/erste-asset-management--why-the-carbon-footprint-of-equity-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/02/16/erste-asset-management-expands-management-board</loc><lastmod>2024-09-03T13:24:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/02/16/erste-asset-management-expands-management-board"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/03/21/water-footprint-of-sustainable-investments-</loc><lastmod>2025-07-18T11:01:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/03/21/water-footprint-of-sustainable-investments-"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/05/29/Russia-back-on-growth-path</loc><lastmod>2024-09-03T13:28:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/05/29/Russia-back-on-growth-path"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/06/07/10-year-presence-for-institutional-clients-in-spain</loc><lastmod>2024-09-03T13:32:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/06/07/10-year-presence-for-institutional-clients-in-spain"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/06/19/life-without-plastic--what-can-investors-do</loc><lastmod>2024-09-03T13:32:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/06/19/life-without-plastic--what-can-investors-do"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/09/19</loc><lastmod>2019-07-12T11:01:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/09/19"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/09/19/nachhaltig-investieren--datenschutz-bei-social-media-und-big-dat</loc><lastmod>2025-07-18T11:02:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/09/19/nachhaltig-investieren--datenschutz-bei-social-media-und-big-dat"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/09/19/nachhaltig-investieren--datenschutz-bei-social-media-und-big-dat"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/11/06/erste-sparinvest-fusioniert-mit-erste-asset-management</loc><lastmod>2024-09-03T13:41:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/11/06/erste-sparinvest-fusioniert-mit-erste-asset-management"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/11/06/erste-sparinvest-fusioniert-mit-erste-asset-management"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/12/05/ausblick-2019--gruende-optimistisch-zu-bleiben</loc><lastmod>2024-09-03T13:42:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/12/05/ausblick-2019--gruende-optimistisch-zu-bleiben"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/07/31/erste-am-expects-emerging-economies-to-continue-growing</loc><lastmod>2024-08-29T10:49:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/07/31/erste-am-expects-emerging-economies-to-continue-growing"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/08/10/erste-am-sees-tailwind-for-biotechnology-companies</loc><lastmod>2024-09-03T13:46:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/08/10/erste-am-sees-tailwind-for-biotechnology-companies"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/08/17/170817</loc><lastmod>2025-08-18T09:04:43+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/08/17/170817"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/08/17/170817"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/10/9/171009</loc><lastmod>2024-08-29T09:01:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/10/9/171009"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/10/9/171009"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/11/30/capital-markets-remain-supported-by-positive--environment--infla</loc><lastmod>2024-09-03T13:49:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/11/30/capital-markets-remain-supported-by-positive--environment--infla"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/12/06/sustainable-funds-of-erste-asset-management-receive-top-grade</loc><lastmod>2024-09-03T13:50:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/12/06/sustainable-funds-of-erste-asset-management-receive-top-grade"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/12/18/esg--report--logistics-companies-are-increasingly-taking-respons</loc><lastmod>2025-07-18T11:10:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/12/18/esg--report--logistics-companies-are-increasingly-taking-respons"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/02/05/erste-am-head-of-institutional-sales</loc><lastmod>2024-09-03T13:54:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/02/05/erste-am-head-of-institutional-sales"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/02/20/erste-am-integrates-sustainability-in-funds</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/02/20/erste-am-integrates-sustainability-in-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/03/04/erste-am-us-rate-cut</loc><lastmod>2024-09-03T13:55:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/03/04/erste-am-us-rate-cut"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/08/07/eam-financial-markets-outlook</loc><lastmod>2024-09-03T13:56:46+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/08/07/eam-financial-markets-outlook"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/10/27/eam-emerging-markets-corporate-bonds</loc><lastmod>2024-09-03T13:58:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/10/27/eam-emerging-markets-corporate-bonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/11/19/eam-our-funds-lead-companies-to-engage-more-actively-with-sustainability</loc><lastmod>2024-09-03T14:00:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/11/19/eam-our-funds-lead-companies-to-engage-more-actively-with-sustainability"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/12/11/eam-regards-economic-recovery-as-driver-of-capital-markets-2021</loc><lastmod>2024-09-03T14:03:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/12/11/eam-regards-economic-recovery-as-driver-of-capital-markets-2021"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/12/11/eam-thomas-kraus-new-board-member</loc><lastmod>2024-09-03T14:01:46+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2020/12/11/eam-thomas-kraus-new-board-member"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/03/10/eu-sustainable-finance-disclosure-regulation</loc><lastmod>2024-09-03T14:05:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/03/10/eu-sustainable-finance-disclosure-regulation"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/04/15/impact-investing-esgenius-newsletter</loc><lastmod>2025-05-08T15:28:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/04/15/impact-investing-esgenius-newsletter"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/04/15/impact-investing-esgenius-newsletter"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/06/24/eam-new-coal-policy</loc><lastmod>2024-09-03T14:07:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/06/24/eam-new-coal-policy"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/10/06/erste-group-bundles-private-equity-activities-in-erste-asset-management</loc><lastmod>2024-09-03T14:09:30+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/10/06/erste-group-bundles-private-equity-activities-in-erste-asset-management"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/11/30/erste-am-optimistic-recovery-continues-despite-covid-inflation-and-supply-bottlenecks</loc><lastmod>2024-09-03T14:13:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/11/30/erste-am-optimistic-recovery-continues-despite-covid-inflation-and-supply-bottlenecks"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/11/26/erste-am-15-sustainable-funds-with-highest-award</loc><lastmod>2025-05-08T15:26:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/11/26/erste-am-15-sustainable-funds-with-highest-award"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/02/04/investment-company-erste-asset-management-achieves-record-result-in-2021</loc><lastmod>2024-09-03T14:16:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/02/04/investment-company-erste-asset-management-achieves-record-result-in-2021"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/06/08/erste-asset-management-launches-first-private-equity-fund-of-funds</loc><lastmod>2024-09-03T14:19:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/06/08/erste-asset-management-launches-first-private-equity-fund-of-funds"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/09/01/social-the-s-in-esg</loc><lastmod>2025-05-08T14:18:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/09/01/social-the-s-in-esg"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/11/25/fng-label-erste-asset-management-awarded-top-marks</loc><lastmod>2025-01-08T15:15:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/11/25/fng-label-erste-asset-management-awarded-top-marks"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/12/01/erste-am-sees-upward-potential-for-funds-in-2023</loc><lastmod>2024-09-03T14:22:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/12/01/erste-am-sees-upward-potential-for-funds-in-2023"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/12/19/esg-dossier-on-the-future-of-energy</loc><lastmod>2025-08-18T09:06:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2022/12/19/esg-dossier-on-the-future-of-energy"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2023/03/21/world-water-day-water-risks-are-also-economic-risks</loc><lastmod>2024-09-03T14:26:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2023/03/21/world-water-day-water-risks-are-also-economic-risks"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2023/11/24/fng-label-2024</loc><lastmod>2024-09-03T14:28:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2023/11/24/fng-label-2024"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2023/12/05/erste-am-outlook-2024</loc><lastmod>2024-09-03T14:31:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2023/12/05/erste-am-outlook-2024"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/12/05/kapitalmarktausblick-2024"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/08/13/record-first-half-in-the-bag</loc><lastmod>2024-09-03T14:31:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/08/13/record-first-half-in-the-bag"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/08/13/rekord-halbjahr"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/03/25/erste-green-invest-mix</loc><lastmod>2024-09-03T14:32:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/03/25/erste-green-invest-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/03/25/mischfonds-erste-green-invest-mix-wird-dunkelgruen"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/09/16/erste-asset-management-acquires-100-percent-of-the-share-in-impact-asset-management</loc><lastmod>2024-09-20T13:49:28+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/09/16/erste-asset-management-acquires-100-percent-of-the-share-in-impact-asset-management"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/12/02/chances-of-solid-return-intact-for-2025</loc><lastmod>2024-12-03T13:32:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/12/02/chances-of-solid-return-intact-for-2025"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/12/19/erste-asset-management-receives-top-ratings-from-worlds-biggest-sustainability-reporting</loc><lastmod>2025-10-06T11:21:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/12/19/erste-asset-management-receives-top-ratings-from-worlds-biggest-sustainability-reporting"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/05/05/spuerkeess-and-erste-asset-management-join-forces-to-promote-sustainable-financial-solutions-in-luxembourg</loc><lastmod>2026-01-22T10:28:26+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/05/05/spuerkeess-and-erste-asset-management-join-forces-to-promote-sustainable-financial-solutions-in-luxembourg"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/05/05/spuerkeess-und-erste-asset-management-verkuenden-strategische-partnerschaft"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/06/05/engagement-voting</loc><lastmod>2026-01-22T10:29:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/06/05/engagement-voting"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/06/05/engagement-und-voting-erste-asset-management-zeigt-die-positiven-auswirkungen-des-verantwortungsvollen-investierens"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/06/06/intercapital-asset-management</loc><lastmod>2026-01-22T10:30:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/06/06/intercapital-asset-management"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/06/06/intercapital-asset-management"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/07/08/solid-performance-in-uncertain-times</loc><lastmod>2026-01-22T10:32:35+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/07/08/solid-performance-in-uncertain-times"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/07/08/solide-performance-in-unsicheren-zeiten"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/12/16/strategic-partnership-partners-group</loc><lastmod>2026-01-22T10:34:08+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/12/16/strategic-partnership-partners-group"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/12/16/strategische-partnerschaft-partners-group"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/12/10/fng-label</loc><lastmod>2026-01-22T11:13:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/12/10/fng-label"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/12/10/fng-siegel-25-fonds-der-eam-ausgezeichnet"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2019/11/21/dachfonds-award-austria-2019</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2019/11/21/dachfonds-award-austria-2019"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/11/21/dachfonds-award-oesterreich-2019"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/03/17/erste-bond-danubia-update-17032022</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/03/17/erste-bond-danubia-update-17032022"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/03/22/current-informationen-erste-stock-russia</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/03/22/current-informationen-erste-stock-russia"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/03/22/current-informationen-erste-stock-europe-emerging</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/03/22/current-informationen-erste-stock-europe-emerging"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/04/11/update-erste-bond-danubia-11042022</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/04/11/update-erste-bond-danubia-11042022"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/05/30/green-consumption-pledge-progress-report</loc><lastmod>2024-07-12T11:21:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/05/30/green-consumption-pledge-progress-report"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/05/30/fortschrittsbericht-green-consumption-pledge"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/07/11/yield-radar-h1-2022</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/07/11/yield-radar-h1-2022"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2023/02/10/devastating-earthquake-in-tuerkiye-and-the-possible-effects</loc><lastmod>2024-07-12T12:13:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2023/02/10/devastating-earthquake-in-tuerkiye-and-the-possible-effects"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2023/08/21/green-consumption-pledge-progress-report</loc><lastmod>2023-08-22T14:52:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2023/08/21/green-consumption-pledge-progress-report"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-best-of-world</loc><lastmod>2024-08-29T13:58:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-best-of-world"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-best-of-world"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-stock-dividend</loc><lastmod>2024-08-29T13:32:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-stock-dividend"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-stock-dividend"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-balanced</loc><lastmod>2024-08-29T13:47:04+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-balanced"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-balanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-global-income</loc><lastmod>2024-08-29T13:18:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-global-income"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-global-income"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-real-assets</loc><lastmod>2024-08-29T13:56:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-real-assets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-real-assets"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-danubia</loc><lastmod>2024-08-29T13:51:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-danubia"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-danubia"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-techno</loc><lastmod>2024-08-29T11:56:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-techno"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-techno"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-future-invest</loc><lastmod>2024-08-29T13:30:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-future-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-future-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-global</loc><lastmod>2024-08-29T11:03:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-global"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-euro-corporate</loc><lastmod>2024-08-29T13:16:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-euro-corporate"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-euro-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-fixed-income-plus</loc><lastmod>2024-08-29T13:54:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-fixed-income-plus"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-fixed-income-plus"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-combirent</loc><lastmod>2024-08-29T13:34:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-combirent"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-combirent"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-progressive</loc><lastmod>2024-08-29T13:39:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-progressive"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-progressive"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-equity-research</loc><lastmod>2024-08-29T13:13:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-equity-research"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-equity-research"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-em-government</loc><lastmod>2024-08-29T13:35:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-em-government"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-em-government"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-euro-muendelrent</loc><lastmod>2024-07-02T15:48:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-euro-muendelrent"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-wwf-stock-environment</loc><lastmod>2024-08-29T13:49:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-wwf-stock-environment"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-em-global</loc><lastmod>2024-10-28T13:01:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-em-global"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-em-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-advanced</loc><lastmod>2024-08-29T13:52:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-advanced"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-advanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-em-corporate</loc><lastmod>2024-10-28T13:03:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-em-corporate"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-em-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-fair-invest</loc><lastmod>2024-08-29T13:45:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-fair-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-fair-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-corporate-plus</loc><lastmod>2024-08-29T14:01:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-corporate-plus"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-corporate-plus"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-bond-global-high-yield</loc><lastmod>2024-09-02T12:21:31+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-bond-global-high-yield"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-bond-global-high-yield"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-core-dynamic</loc><lastmod>2024-10-28T13:02:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-core-dynamic"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-core-dynamic"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-corporate-bb</loc><lastmod>2024-08-29T13:17:30+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-corporate-bb"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-corporate-bb"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-select-bond-dynamic</loc><lastmod>2024-08-29T13:04:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-select-bond-dynamic"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-select-bond-dynamic"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-vienna</loc><lastmod>2024-08-29T13:08:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-vienna"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-vienna"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-reserve-corporate</loc><lastmod>2024-08-29T13:25:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-reserve-corporate"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-reserve-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-active</loc><lastmod>2024-08-29T13:20:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-active"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-active"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-green-invest</loc><lastmod>2024-08-29T13:42:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-green-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-green-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-core-balanced</loc><lastmod>2024-08-29T11:07:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-core-balanced"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-core-balanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-green-invest-mix</loc><lastmod>2024-09-02T12:20:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-green-invest-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-biotec</loc><lastmod>2024-08-29T11:15:38+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-biotec"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-biotec"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-select-bond</loc><lastmod>2024-08-29T13:23:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-select-bond"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-select-bond"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-microfinance</loc><lastmod>2024-08-29T13:37:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-microfinance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-microfinance"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-stock-global</loc><lastmod>2024-08-29T11:05:23+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-stock-global"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-stock-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/12/20/intercapital-asset-management</loc><lastmod>2025-10-06T11:16:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/12/20/intercapital-asset-management"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/12/20/intercapital-asset-management"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/12/20/reico</loc><lastmod>2025-10-06T11:16:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/12/20/reico"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/12/20/reico"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-green-invest</loc><lastmod>2025-01-03T09:10:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-green-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-microfinance</loc><lastmod>2025-01-07T08:28:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-microfinance"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-future-invest</loc><lastmod>2025-01-03T09:10:08+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-future-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-combirent</loc><lastmod>2025-01-03T09:10:10+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-combirent"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-you-invest-green-progressive</loc><lastmod>2025-01-07T08:28:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-you-invest-green-progressive"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-wwf-stock-environment</loc><lastmod>2025-01-03T09:10:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-biotec</loc><lastmod>2025-01-03T09:10:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-biotec"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-bond-muendel</loc><lastmod>2025-01-07T08:28:18+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-bond-muendel"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-fixed-income-plus</loc><lastmod>2025-08-18T11:42:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-fixed-income-plus"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-danubia</loc><lastmod>2025-01-03T09:10:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-danubia"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-you-invest-green-advanced</loc><lastmod>2025-01-07T08:28:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-you-invest-green-advanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-fair-invest</loc><lastmod>2025-01-03T09:10:22+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-fair-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-core-balanced</loc><lastmod>2025-01-07T08:28:22+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-core-balanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-corporate-plus</loc><lastmod>2025-01-07T08:28:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-corporate-plus"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-reserve-corporate</loc><lastmod>2025-01-07T08:28:25+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-reserve-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-you-invest-green-balanced</loc><lastmod>2025-01-07T08:28:26+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-you-invest-green-balanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-green-invest-mix</loc><lastmod>2025-01-03T09:10:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-equity-research</loc><lastmod>2025-01-03T09:10:31+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-equity-research"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-euro-corporate</loc><lastmod>2025-01-07T08:28:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-euro-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-core-dynamic</loc><lastmod>2025-01-07T08:28:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-core-dynamic"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-select-bond</loc><lastmod>2025-01-07T08:28:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-select-bond"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-bond-global-high-yield</loc><lastmod>2025-01-07T08:28:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-bond-global-high-yield"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-real-assets</loc><lastmod>2025-01-07T08:28:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-real-assets"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-em-global</loc><lastmod>2025-01-07T08:28:35+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-em-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-best-of-world</loc><lastmod>2025-01-07T08:28:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-best-of-world"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-vienna</loc><lastmod>2025-01-03T09:10:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-vienna"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-em-government</loc><lastmod>2025-01-07T08:28:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-em-government"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-techno</loc><lastmod>2025-03-27T13:20:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-techno"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-global</loc><lastmod>2025-01-07T08:28:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-stock-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-stock-dividend</loc><lastmod>2025-01-07T08:28:41+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-stock-dividend"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-select-bond-dynamic</loc><lastmod>2025-01-07T08:28:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-select-bond-dynamic"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-em-corporate</loc><lastmod>2025-01-03T09:10:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-em-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-stock-global</loc><lastmod>2025-01-03T09:10:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-stock-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-global-income</loc><lastmod>2025-01-07T08:28:44+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-global-income"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-you-invest-green-active</loc><lastmod>2025-01-07T08:28:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-you-invest-green-active"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-corporate-bb</loc><lastmod>2025-01-07T08:28:47+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-bond-corporate-bb"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-opportunities-mix</loc><lastmod>2025-01-07T08:28:48+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-stock-america</loc><lastmod>2025-01-03T09:11:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-stock-america"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-stock-america"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/06/23/us-attack-on-iranian-nuclear-facilities</loc><lastmod>2025-06-23T12:11:41+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/06/23/us-attack-on-iranian-nuclear-facilities"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-future-invest</loc><lastmod>2025-07-10T13:48:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-future-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-microfinance</loc><lastmod>2025-07-10T13:21:26+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-microfinance"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-you-invest-flexible-progressive</loc><lastmod>2025-07-10T14:16:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-you-invest-flexible-progressive"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-fixed-income-plus</loc><lastmod>2025-07-10T13:28:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-fixed-income-plus"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-wwf-stock-environment</loc><lastmod>2025-07-10T13:58:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-green-invest</loc><lastmod>2025-07-10T13:59:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-green-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-combirent</loc><lastmod>2025-07-10T13:35:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-combirent"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-real-assets</loc><lastmod>2025-07-10T13:12:53+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-real-assets"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-danubia</loc><lastmod>2025-07-10T13:33:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-danubia"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-reserve-corporate</loc><lastmod>2025-07-10T13:28:01+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-reserve-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-bond-muendel</loc><lastmod>2025-07-10T13:26:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-bond-muendel"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-equity-research</loc><lastmod>2025-07-10T13:47:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-equity-research"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-corporate-plus</loc><lastmod>2025-07-10T13:33:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-corporate-plus"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-green-invest-mix</loc><lastmod>2025-07-10T13:42:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-fair-invest</loc><lastmod>2025-07-10T13:59:41+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-fair-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-euro-corporate</loc><lastmod>2025-07-10T13:32:01+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-euro-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-best-of-world</loc><lastmod>2025-07-10T13:20:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-best-of-world"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-core-balanced</loc><lastmod>2025-07-10T13:17:08+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-core-balanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-bond-global-high-yield</loc><lastmod>2025-07-10T13:27:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-bond-global-high-yield"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-you-invest-flexible-balanced</loc><lastmod>2025-07-10T14:17:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-you-invest-flexible-balanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-em-global</loc><lastmod>2025-07-10T13:50:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-em-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-core-dynamic</loc><lastmod>2025-07-10T13:19:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-core-dynamic"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-select-bond</loc><lastmod>2025-07-10T13:25:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-select-bond"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-techno</loc><lastmod>2025-07-10T14:03:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-techno"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-stock-dividend</loc><lastmod>2025-07-10T14:00:21+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-stock-dividend"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-you-invest-flexible-active</loc><lastmod>2025-07-10T14:18:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-you-invest-flexible-active"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-global</loc><lastmod>2025-07-10T14:03:04+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-stock-global</loc><lastmod>2025-07-10T14:18:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-stock-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-em-corporate</loc><lastmod>2025-07-10T13:41:28+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-em-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-select-bond-dynamic</loc><lastmod>2025-07-10T13:22:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-select-bond-dynamic"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-global-income</loc><lastmod>2025-07-10T13:43:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-global-income"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-stock-america</loc><lastmod>2025-07-10T13:49:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-stock-america"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-stock-america"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-corporate-bb</loc><lastmod>2025-07-10T13:34:26+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-corporate-bb"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-opportunities-mix</loc><lastmod>2025-07-10T13:13:38+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-bond-global-impact</loc><lastmod>2025-07-10T13:26:48+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-bond-global-impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-bond-global-impact"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-quality</loc><lastmod>2025-07-10T13:52:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-quality"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-quality"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-dollar-corporate</loc><lastmod>2025-07-10T13:22:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-dollar-corporate"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-dollar-corporate"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/12/16/yield-radar</loc><lastmod>2025-12-17T11:42:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/12/16/yield-radar"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/12/16/rendite-radar"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-stock-quality</loc><lastmod>2026-01-08T14:06:48+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-stock-quality"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-stock-quality"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-responsible-bond-global-impact</loc><lastmod>2026-01-08T14:06:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-responsible-bond-global-impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-responsible-bond-global-impact"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-responsible-stock-global</loc><lastmod>2026-01-08T14:06:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-responsible-stock-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-wwf-stock-environment</loc><lastmod>2026-01-08T14:06:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-global-income</loc><lastmod>2026-01-08T14:06:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-global-income"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-core-balanced</loc><lastmod>2026-01-08T14:06:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-core-balanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-opportunities-mix</loc><lastmod>2026-01-08T14:06:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-bond-corporate-plus</loc><lastmod>2026-01-08T14:06:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-bond-corporate-plus"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-core-dynamic</loc><lastmod>2026-01-08T14:06:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-core-dynamic"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-future-invest</loc><lastmod>2026-01-08T14:07:01+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-future-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-stock-global</loc><lastmod>2026-01-08T14:07:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-stock-global"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-real-assets</loc><lastmod>2026-01-08T14:07:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-real-assets"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-green-invest</loc><lastmod>2026-01-08T14:07:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-green-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-you-invest-flexible-progressive</loc><lastmod>2026-01-08T14:07:06+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-you-invest-flexible-progressive"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-responsible-stock-dividend</loc><lastmod>2026-01-08T14:07:07+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-responsible-stock-dividend"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-you-invest-flexible-balanced</loc><lastmod>2026-01-08T14:07:09+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-you-invest-flexible-balanced"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-best-of-world</loc><lastmod>2026-01-08T14:07:10+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-best-of-world"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-stock-techno</loc><lastmod>2026-01-08T14:07:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-stock-techno"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-you-invest-flexible-active</loc><lastmod>2026-01-08T14:07:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-you-invest-flexible-active"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-green-invest-mix</loc><lastmod>2026-01-08T14:07:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-bond-corporate-bb</loc><lastmod>2026-01-08T14:07:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-bond-corporate-bb"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-equity-research</loc><lastmod>2026-02-18T10:55:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-equity-research"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-equity-research"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-security-invest</loc><lastmod>2026-01-16T11:49:08+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-security-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-security-invest"/></url><url><loc>https://www.erste-am.at/en/private-investors/press/press-archive</loc><lastmod>2026-03-02T09:04:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/press-archive"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/press-archive"/></url><url><loc>https://www.erste-am.at/en/private-investors/contact-persons-private-investors</loc><lastmod>2025-10-01T09:05:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/contact-persons-private-investors"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/ansprechpartner-private-anleger"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/allstars-balanced/AT0000810643</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/allstars-balanced/AT0000810643"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/allstars-balanced/AT0000810643"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/allstars-conservative/AT0000615836</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/allstars-conservative/AT0000615836"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/allstars-conservative/AT0000615836"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/allstars-multi-asset/AT0000618731</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/allstars-multi-asset/AT0000618731"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/allstars-multi-asset/AT0000618731"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/allstars-opportunities/AT0000810650</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/allstars-opportunities/AT0000810650"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/allstars-opportunities/AT0000810650"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/avantgarde-global-bond-fonds/AT0000744222</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/avantgarde-global-bond-fonds/AT0000744222"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/avantgarde-global-bond-fonds/AT0000744222"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/avantgarde-global-equity-fonds/AT0000744206</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/avantgarde-global-equity-fonds/AT0000744206"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/avantgarde-global-equity-fonds/AT0000744206"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/avantgarde-klassik/AT0000619556</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/avantgarde-klassik/AT0000619556"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/avantgarde-klassik/AT0000619556"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/constantia-multi-invest-5/AT0000A0J7U8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/constantia-multi-invest-5/AT0000A0J7U8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/constantia-multi-invest-5/AT0000A0J7U8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/core-balanced/AT0000828603</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-balanced/AT0000828603"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-balanced/AT0000828603"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/core-dynamic/AT0000828629</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-dynamic/AT0000828629"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-dynamic/AT0000828629"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/core-equities/AT0000A2GK86</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-equities/AT0000A2GK86"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-equities/AT0000A2GK86"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/core-equities-europe/AT0000697065</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-equities-europe/AT0000697065"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-equities-europe/AT0000697065"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/core-equities-usa/AT0000697081</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-equities-usa/AT0000697081"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-equities-usa/AT0000697081"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/delphin-trend-global/AT0000A09UQ0</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/delphin-trend-global/AT0000A09UQ0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/delphin-trend-global/AT0000A09UQ0"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-alternative-equity/AT0000A0SEC0</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-alternative-equity/AT0000A0SEC0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-alternative-equity/AT0000A0SEC0"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-alternative-trend/AT0000A0SE82</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-alternative-trend/AT0000A0SE82"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-alternative-trend/AT0000A0SE82"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-china/AT0000A27ZR9</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-china/AT0000A27ZR9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-china/AT0000A27ZR9"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-combirent/AT0000858022</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-combirent/AT0000858022"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-combirent/AT0000858022"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-corporate-bb/AT0000A09HC7</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-corporate-bb/AT0000A09HC7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-corporate-bb/AT0000A09HC7"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-corporate-plus/AT0000A1PKM0</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-corporate-plus/AT0000A1PKM0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-corporate-plus/AT0000A1PKM0"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-danubia/AT0000831409</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-danubia/AT0000831409"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-danubia/AT0000831409"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar/AT0000817523</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar/AT0000817523"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar/AT0000817523"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar/AT0000858360</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar/AT0000858360"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar/AT0000858360"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar-corporate/AT0000721543</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar-corporate/AT0000721543"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar-corporate/AT0000721543"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar-corporate/AT0000724257</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar-corporate/AT0000724257"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar-corporate/AT0000724257"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate/AT0000A05HQ5</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate/AT0000A05HQ5"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate/AT0000A05HQ5"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate-ig/AT0000A0WJX7</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate-ig/AT0000A0WJX7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate-ig/AT0000A0WJX7"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate-ig-eur/AT0000A0WK05</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate-ig-eur/AT0000A0WK05"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate-ig-eur/AT0000A0WK05"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-em-government/AT0000842521</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-em-government/AT0000842521"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-government/AT0000842521"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-euro-corporate/AT0000724216</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-euro-corporate/AT0000724216"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-euro-corporate/AT0000724216"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-europe-high-yield/AT0000805676</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-europe-high-yield/AT0000805676"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-europe-high-yield/AT0000805676"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-inflation-linked/AT0000619887</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-inflation-linked/AT0000619887"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-inflation-linked/AT0000619887"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-international/AT0000858048</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-international/AT0000858048"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-international/AT0000858048"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-usa-corporate/AT0000675764</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-usa-corporate/AT0000675764"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-usa-corporate/AT0000675764"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-bond-usa-high-yield/AT0000637483</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-usa-high-yield/AT0000637483"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-usa-high-yield/AT0000637483"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-d-a-ch-fonds/AT0000A0RMH4</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-d-a-ch-fonds/AT0000A0RMH4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-d-a-ch-fonds/AT0000A0RMH4"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-digital-assets/AT0000A3S420</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-digital-assets/AT0000A3S420"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-digital-assets/AT0000A3S420"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-equity-research/AT0000A09VB0</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-equity-research/AT0000A09VB0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-equity-research/AT0000A09VB0"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-ethik-aktien-global/AT0000A21B13</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-ethik-aktien-global/AT0000A21B13"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-ethik-aktien-global/AT0000A21B13"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-ethik-anleihen/AT0000802509</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-ethik-anleihen/AT0000802509"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-ethik-anleihen/AT0000802509"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-fair-invest/AT0000A2RUC4</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fair-invest/AT0000A2RUC4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fair-invest/AT0000A2RUC4"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-fixed-income-plus/AT0000A20DG4</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fixed-income-plus/AT0000A20DG4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fixed-income-plus/AT0000A20DG4"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-24-1/AT0000A3AFU1</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-24-1/AT0000A3AFU1"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-24-1/AT0000A3AFU1"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-24-2/AT0000A3E7T2</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-24-2/AT0000A3E7T2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-24-2/AT0000A3E7T2"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-26-1/AT0000A3N1X6</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-26-1/AT0000A3N1X6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-26-1/AT0000A3N1X6"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-future-invest/AT0000A296D0</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-future-invest/AT0000A296D0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-future-invest/AT0000A296D0"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-global-income/AT0000A1G726</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-global-income/AT0000A1G726"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-global-income/AT0000A1G726"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-green-invest/AT0000A2DY42</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-green-invest/AT0000A2DY42"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-green-invest/AT0000A2DY42"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-green-invest-mix/AT0000A2HVB5</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-green-invest-mix/AT0000A2HVB5"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-green-invest-mix/AT0000A2HVB5"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2028/AT0000A372N8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2028/AT0000A372N8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2028/AT0000A372N8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2028-ii/AT0000A3G8B6</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2028-ii/AT0000A3G8B6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2028-ii/AT0000A3G8B6"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029/AT0000A38KL1</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029/AT0000A38KL1"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029/AT0000A38KL1"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-ii/AT0000A3A337</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-ii/AT0000A3A337"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-ii/AT0000A3A337"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-iii/AT0000A3C804</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-iii/AT0000A3C804"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-iii/AT0000A3C804"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-iv/AT0000A3E719</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-iv/AT0000A3E719"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-iv/AT0000A3E719"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030/AT0000A3G8D2</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030/AT0000A3G8D2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030/AT0000A3G8D2"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030-ii/AT0000A3HRV9</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030-ii/AT0000A3HRV9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030-ii/AT0000A3HRV9"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030-iii/AT0000A3K8V8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030-iii/AT0000A3K8V8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030-iii/AT0000A3K8V8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2028/AT0000A37M04</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2028/AT0000A37M04"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2028/AT0000A37M04"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2029/AT0000A3ET88</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2029/AT0000A3ET88"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2029/AT0000A3ET88"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2030/AT0000A3PAD6</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2030/AT0000A3PAD6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2030/AT0000A3PAD6"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028/AT0000A320A4</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028/AT0000A320A4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028/AT0000A320A4"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-ii/AT0000A33032</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-ii/AT0000A33032"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-ii/AT0000A33032"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-iii/AT0000A34CM5</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-iii/AT0000A34CM5"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-iii/AT0000A34CM5"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-iv/AT0000A36795</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-iv/AT0000A36795"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-iv/AT0000A36795"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-v/AT0000A3K8T2</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-v/AT0000A3K8T2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-v/AT0000A3K8T2"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2029/AT0000A3MUH2</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2029/AT0000A3MUH2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2029/AT0000A3MUH2"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2029-ii/AT0000A3P9P3</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2029-ii/AT0000A3P9P3"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2029-ii/AT0000A3P9P3"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2030/AT0000A3QGD1</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2030/AT0000A3QGD1"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2030/AT0000A3QGD1"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-mortgage/AT0000700778</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-mortgage/AT0000700778"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-mortgage/AT0000700778"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-opportunities-mix/AT0000A3BMJ8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-opportunities-mix/AT0000A3BMJ8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-opportunities-mix/AT0000A3BMJ8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-portfolio-bond-europe/AT0000858527</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-portfolio-bond-europe/AT0000858527"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-portfolio-bond-europe/AT0000858527"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-real-assets/AT0000A2QAC8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-real-assets/AT0000A2QAC8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-real-assets/AT0000A2QAC8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-reserve-corporate/AT0000676838</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-corporate/AT0000676838"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-corporate/AT0000676838"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-reserve-dollar/AT0000825187</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-dollar/AT0000825187"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-dollar/AT0000825187"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-reserve-dollar/AT0000627211</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-dollar/AT0000627211"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-dollar/AT0000627211"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-reserve-euro/AT0000724299</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-euro/AT0000724299"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-euro/AT0000724299"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-reserve-euro-plus/AT0000858105</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-euro-plus/AT0000858105"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-euro-plus/AT0000858105"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond/AT0000A01G95</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond/AT0000A01G95"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond/AT0000A01G95"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-em-corporate/AT0000A13EF9</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-em-corporate/AT0000A13EF9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-em-corporate/AT0000A13EF9"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-em-local/AT0000A0AUE0</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-em-local/AT0000A0AUE0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-em-local/AT0000A0AUE0"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-euro-corporate/AT0000A0PHH8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-euro-corporate/AT0000A0PHH8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-euro-corporate/AT0000A0PHH8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-global-high-yield/AT0000A2DXZ9</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-global-high-yield/AT0000A2DXZ9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-global-high-yield/AT0000A2DXZ9"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-global-impact/AT0000A1EK48</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-global-impact/AT0000A1EK48"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-global-impact/AT0000A1EK48"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-mundel/AT0000858220</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-mundel/AT0000858220"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-mundel/AT0000858220"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-microfinance/AT0000A0G249</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-microfinance/AT0000A0G249"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-microfinance/AT0000A0G249"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-reserve/AT0000A03951</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-reserve/AT0000A03951"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-reserve/AT0000A03951"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-america/AT0000822812</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-america/AT0000822812"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-america/AT0000822812"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-america/AT0000858584</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-america/AT0000858584"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-america/AT0000858584"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-dividend/AT0000A1QA79</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-dividend/AT0000A1QA79"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-dividend/AT0000A1QA79"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-europe/AT0000645973</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-europe/AT0000645973"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-europe/AT0000645973"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-global/AT0000646799</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-global/AT0000646799"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-global/AT0000646799"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-japan/AT0000639059</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-japan/AT0000639059"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-japan/AT0000639059"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-security-invest/AT0000A3MZ31</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-security-invest/AT0000A3MZ31"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-security-invest/AT0000A3MZ31"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-select-bond/AT0000660592</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-select-bond/AT0000660592"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-select-bond/AT0000660592"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-select-bond-dynamic/AT0000A054L6</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-select-bond-dynamic/AT0000A054L6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-select-bond-dynamic/AT0000A054L6"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-biotec/AT0000746748</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-biotec/AT0000746748"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-biotec/AT0000746748"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-commodities/AT0000A01VR3</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-commodities/AT0000A01VR3"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-commodities/AT0000A01VR3"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-em-global/AT0000680962</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-em-global/AT0000680962"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-em-global/AT0000680962"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-europe-emerging/AT0000858428</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-europe-emerging/AT0000858428"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-europe-emerging/AT0000858428"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-gold/AT0000A07HE7</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-gold/AT0000A07HE7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-gold/AT0000A07HE7"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-istanbul/AT0000704333</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-istanbul/AT0000704333"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-istanbul/AT0000704333"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-quality/AT0000A2HV58</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-quality/AT0000A2HV58"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality/AT0000A2HV58"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-quality-opportunities/AT0000A381R0</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-quality-opportunities/AT0000A381R0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality-opportunities/AT0000A381R0"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-quality-value/AT0000A37UN8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-quality-value/AT0000A37UN8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality-value/AT0000A37UN8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-real-estate/AT0000A07YH5</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-real-estate/AT0000A07YH5"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-real-estate/AT0000A07YH5"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-techno/AT0000754262</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-techno/AT0000754262"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-techno/AT0000754262"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-value/AT0000A2STB6</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-value/AT0000A2STB6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-value/AT0000A2STB6"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-vienna/AT0000858147</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-vienna/AT0000858147"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-vienna/AT0000858147"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-stock-world/AT0000A3P9X7</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-world/AT0000A3P9X7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-world/AT0000A3P9X7"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-target/AT0000A043V8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-target/AT0000A043V8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-target/AT0000A043V8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-total-return-fixed-income/AT0000A23TX9</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-total-return-fixed-income/AT0000A23TX9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-total-return-fixed-income/AT0000A23TX9"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/erste-wwf-stock-environment/AT0000705660</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-wwf-stock-environment/AT0000705660"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-wwf-stock-environment/AT0000705660"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/greenstars-balanced/AT0000A3QD82</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/greenstars-balanced/AT0000A3QD82"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/greenstars-balanced/AT0000A3QD82"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/greenstars-european-equities/AT0000918297</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/greenstars-european-equities/AT0000918297"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/greenstars-european-equities/AT0000918297"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/greenstars-moderate/AT0000729298</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/greenstars-moderate/AT0000729298"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/greenstars-moderate/AT0000729298"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/greenstars-opportunities/AT0000A3PGP7</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/greenstars-opportunities/AT0000A3PGP7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/greenstars-opportunities/AT0000A3PGP7"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/pb-exclusive-selection/AT0000A3FTT3</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pb-exclusive-selection/AT0000A3FTT3"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pb-exclusive-selection/AT0000A3FTT3"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/pb-exclusive-selection-plus/AT0000A3FU27</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pb-exclusive-selection-plus/AT0000A3FU27"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pb-exclusive-selection-plus/AT0000A3FU27"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/piz-buin-global/AT0000703491</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/piz-buin-global/AT0000703491"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/piz-buin-global/AT0000703491"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/premium-balanced-invest/AT0000A1TVP2</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/premium-balanced-invest/AT0000A1TVP2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/premium-balanced-invest/AT0000A1TVP2"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/premium-dynamic-invest/AT0000723895</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/premium-dynamic-invest/AT0000723895"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/premium-dynamic-invest/AT0000723895"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/premium-stable-invest/AT0000A3FN26</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/premium-stable-invest/AT0000A3FN26"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/premium-stable-invest/AT0000A3FN26"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/private-banking-exklusiv/AT0000A0T6K9</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/private-banking-exklusiv/AT0000A0T6K9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/private-banking-exklusiv/AT0000A0T6K9"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/pro-invest-aktiv/AT0000500350</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pro-invest-aktiv/AT0000500350"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pro-invest-aktiv/AT0000500350"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/pro-invest-care/AT0000A30EP2</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pro-invest-care/AT0000A30EP2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pro-invest-care/AT0000A30EP2"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/pro-invest-plus/AT0000612700</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pro-invest-plus/AT0000612700"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pro-invest-plus/AT0000612700"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/rt-active-global-trend/AT0000766373</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-active-global-trend/AT0000766373"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-active-global-trend/AT0000766373"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/rt-optimum-14-fonds/AT0000858923</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-optimum-14-fonds/AT0000858923"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-optimum-14-fonds/AT0000858923"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/rt-osterreich-aktienfonds/AT0000497284</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-osterreich-aktienfonds/AT0000497284"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-osterreich-aktienfonds/AT0000497284"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/rt-pif-dynamisch/AT0000766381</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-pif-dynamisch/AT0000766381"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-pif-dynamisch/AT0000766381"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/rt-pif-traditionell/AT0000766399</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-pif-traditionell/AT0000766399"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-pif-traditionell/AT0000766399"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/rt-vif-versicherung-international-fonds/AT0000858907</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-vif-versicherung-international-fonds/AT0000858907"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-vif-versicherung-international-fonds/AT0000858907"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/rt-zukunftsvorsorge-aktienfonds/AT0000659636</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-zukunftsvorsorge-aktienfonds/AT0000659636"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-zukunftsvorsorge-aktienfonds/AT0000659636"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/salzburger-sparkasse-select-dachfonds/AT0000809280</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/salzburger-sparkasse-select-dachfonds/AT0000809280"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/salzburger-sparkasse-select-dachfonds/AT0000809280"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/swaldviertel-bond/AT0000A011W3</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/swaldviertel-bond/AT0000A011W3"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/swaldviertel-bond/AT0000A011W3"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-strategie-aktiv/AT0000714886</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-aktiv/AT0000714886"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-aktiv/AT0000714886"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-strategie-planer/AT0000A0T671</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-planer/AT0000A0T671"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-planer/AT0000A0T671"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-strategie-starter/AT0000A04LB2</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-starter/AT0000A04LB2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-starter/AT0000A04LB2"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-strategie-wachstum/AT0000A0T6B8</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-wachstum/AT0000A0T6B8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-wachstum/AT0000A0T6B8"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-strategie-zukunft/AT0000A0T6F9</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-zukunft/AT0000A0T6F9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-zukunft/AT0000A0T6F9"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-fonds-i-der-stabile-der-steiermarkischen-sparkasse/AT0000819701</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-i-der-stabile-der-steiermarkischen-sparkasse/AT0000819701"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-i-der-stabile-der-steiermarkischen-sparkasse/AT0000819701"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-fonds-ii-der-flexible-der-steiermarkischen-sparkasse/AT0000819743</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-ii-der-flexible-der-steiermarkischen-sparkasse/AT0000819743"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-ii-der-flexible-der-steiermarkischen-sparkasse/AT0000819743"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-fonds-iii-der-aktive-der-steiermarkischen-sparkasse/AT0000819768</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-iii-der-aktive-der-steiermarkischen-sparkasse/AT0000819768"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-iii-der-aktive-der-steiermarkischen-sparkasse/AT0000819768"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-fonds-iv-der-planende-der-steiermarkischen-sparkasse/AT0000703103</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-iv-der-planende-der-steiermarkischen-sparkasse/AT0000703103"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-iv-der-planende-der-steiermarkischen-sparkasse/AT0000703103"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/top-fonds-v-der-offensive-der-steiermarkischen-sparkasse/AT0000703137</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-v-der-offensive-der-steiermarkischen-sparkasse/AT0000703137"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-v-der-offensive-der-steiermarkischen-sparkasse/AT0000703137"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-active/AT0000A11F78</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-active/AT0000A11F78"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-active/AT0000A11F78"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-balanced/AT0000A11FA1</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-balanced/AT0000A11FA1"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-balanced/AT0000A11FA1"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-portfolio-30/AT0000802491</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-portfolio-30/AT0000802491"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-portfolio-30/AT0000802491"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-portfolio-50/AT0000724190</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-portfolio-50/AT0000724190"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-portfolio-50/AT0000724190"/></url><url><loc>https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-progressive/AT0000A1GMW4</loc><lastmod>2026-03-18T14:23:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-progressive/AT0000A1GMW4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-progressive/AT0000A1GMW4"/></url><url><loc>https://www.erste-am.at/en/private-investors/focus-natural-disaster-in-tuerkiye</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/focus-natural-disaster-in-tuerkiye"/></url><url><loc>https://www.erste-am.at/en/private-investors/esg-fund-finder</loc><lastmod>2025-09-26T09:21:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/esg-fund-finder"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/esg-fonds-finder"/></url><url><loc>https://www.erste-am.at/en/institutional-investors</loc><lastmod>2025-07-18T09:06:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/our-funds</loc><lastmod>2025-11-28T08:09:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/our-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unsere-fonds"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/unternehmen</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/unternehmen/company-profile</loc><lastmod>2025-09-01T15:59:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/company-profile"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/unternehmensprofil"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/unternehmen/investment-process</loc><lastmod>2025-08-12T11:30:04+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/investment-process"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/investmentprozess"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/unternehmen/institutional-clients</loc><lastmod>2025-09-05T13:38:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/institutional-clients"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/institutionelle-kunden"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/unternehmen/cooperations</loc><lastmod>2025-09-12T08:56:53+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/cooperations"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/kooperationen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/unternehmen/master-kag</loc><lastmod>2025-09-01T16:25:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/master-kag"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/master-kag"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/unternehmen/history</loc><lastmod>2026-01-12T15:12:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/history"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/geschichte"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/nachhaltigkeit</loc><lastmod>2026-02-20T08:22:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/wwf-cooperation</loc><lastmod>2026-03-23T09:27:22+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/wwf-cooperation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/wwf-kooperation"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/esg-letter</loc><lastmod>2025-05-08T14:15:28+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/esg-letter"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/esg-letter"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/impact</loc><lastmod>2025-10-15T16:21:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/impact"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/responsible</loc><lastmod>2026-02-20T08:52:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/responsible"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/responsible"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/integration</loc><lastmod>2025-08-21T15:55:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/integration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/integration"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/esgenius-score</loc><lastmod>2025-11-05T11:32:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/esgenius-score"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/esgenius-score"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/certifications</loc><lastmod>2026-04-01T08:47:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/certifications"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/strategien</loc><lastmod>2025-08-11T15:48:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/strategien/multi-asset-management</loc><lastmod>2025-10-16T09:09:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/multi-asset-management"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/multi-asset-management"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/strategien/responsible-investment</loc><lastmod>2025-10-01T15:48:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/responsible-investment"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/nachhaltige-investments"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/strategien/individual-investment-solutions</loc><lastmod>2025-10-02T14:50:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/individual-investment-solutions"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/individuelle-investment-loesungen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/strategien/bond-strategies</loc><lastmod>2025-10-01T15:51:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/bond-strategies"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/anleihen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/strategien/equity-funds</loc><lastmod>2025-10-01T15:48:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/equity-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/aktienmanagement"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/strategien/emerging-markets</loc><lastmod>2026-03-23T12:23:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/emerging-markets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/emerging-markets"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/strategien/private-markets</loc><lastmod>2025-09-16T15:35:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/private-markets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/private-markets"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom</loc><lastmod>2025-07-16T08:30:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/fondsaenderungen</loc><lastmod>2019-04-15T11:14:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/fondsaenderungen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news</loc><lastmod>2025-10-27T15:36:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/04/15/climate-action-100-plus</loc><lastmod>2025-05-08T14:25:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/04/15/climate-action-100-plus"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/04/15/climate-action-100-plus"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/04/15/emerging-markets-corporate-bond-outlook-2019</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/04/15/emerging-markets-corporate-bond-outlook-2019"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/04/15/climate-action-100-plus_msm_moved</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/04/15/climate-action-100-plus_msm_moved"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/07/10/outlook_second_half_2019</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/07/10/outlook_second_half_2019"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/07/10/marktausblick-2-halbjahr-2019"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/10/29/selinca-day--madrid-2019</loc><lastmod>2023-10-02T15:59:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/10/29/selinca-day--madrid-2019"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/10/30/nordic-investor-outlook</loc><lastmod>2025-11-06T12:39:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/10/30/nordic-investor-outlook"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2021/12/20/emerging-markets-corporate-bonds-update-dezember-2021</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2021/12/20/emerging-markets-corporate-bonds-update-dezember-2021"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2022/02/04/investment-company-erste-asset-management-achieves-record-result-in-2021</loc><lastmod>2024-08-06T08:22:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2022/02/04/investment-company-erste-asset-management-achieves-record-result-in-2021"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2022/11/30/webinar-scenario-analysis-2023</loc><lastmod>2024-09-10T09:11:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2022/11/30/webinar-scenario-analysis-2023"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2023/12/13/webinar-scenario-analysis-2024</loc><lastmod>2024-09-10T09:08:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2023/12/13/webinar-scenario-analysis-2024"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/outlook</loc><lastmod>2025-06-26T14:46:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/outlook"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/einschaetzung-finanzmaerkte"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/european-bonds</loc><lastmod>2025-08-22T09:21:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/european-bonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/europaeische-anleihen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/changing-world-order</loc><lastmod>2025-06-26T14:47:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/changing-world-order"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/veraenderung-weltordnung"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/quality-shares</loc><lastmod>2025-06-26T14:47:21+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/quality-shares"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/qualitaetsaktien"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/sustainability-conference</loc><lastmod>2025-06-26T14:47:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/sustainability-conference"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/nachhaltigkeitskonferenz"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/15/newsletter-environmental-strategies</loc><lastmod>2026-01-26T08:30:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/15/newsletter-environmental-strategies"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/convex-financial-instruments</loc><lastmod>2025-10-20T08:23:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/convex-financial-instruments"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/konvexe-finanzinstrumente"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/focus-on-gold</loc><lastmod>2025-10-20T08:38:48+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/focus-on-gold"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/goldmaerkte-im-fokus"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/independence-of-central-banks</loc><lastmod>2025-10-20T08:42:28+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/independence-of-central-banks"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/unabhaengigkeit-der-notenbanken"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/outlook</loc><lastmod>2025-10-20T08:44:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/outlook"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/einschaetzung-finanzmaerkte"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/12/04/webinar-scenario-analysis</loc><lastmod>2025-12-02T12:56:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/12/04/webinar-scenario-analysis"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/12/04/webinar-szenarioanalyse-2026"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2024/12/11/webinar-scenario-analysis-2025</loc><lastmod>2024-12-11T15:49:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2024/12/11/webinar-scenario-analysis-2025"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/outlook</loc><lastmod>2026-02-09T10:37:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/outlook"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/einschaetzung-finanzmaerkte"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/end-us-led-world-order</loc><lastmod>2026-02-03T08:04:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/end-us-led-world-order"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/ende-us-gefuehrten-weltordnung"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/bonds</loc><lastmod>2026-02-03T08:04:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/bonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/anleihen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/ai-energy</loc><lastmod>2026-02-03T08:04:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/ai-energy"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/ki-energie-infrastrukturinvestitionen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/press-releases</loc><lastmod>2025-01-29T10:09:44+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/press-releases"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/presseaussendungen"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/media-contacts</loc><lastmod>2024-08-21T12:10:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/media-contacts"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/medienkontakte"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/newsroom/our-view</loc><lastmod>2026-02-03T08:13:10+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/our-view"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/our-view"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/contact-persons-institutional-investors</loc><lastmod>2025-07-14T13:22:31+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/contact-persons-institutional-investors"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/ansprechpartner-institutionelle-anleger"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/mandatory-publications</loc><lastmod>2025-02-26T15:12:41+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/mandatory-publications"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/mandatory-publications"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/performance-overview</loc><lastmod>2025-09-17T10:08:38+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/performance-overview"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/performance-uebersicht"/></url><url><loc>https://www.erste-am.at/en/institutional-investors/factsheet</loc><lastmod>2026-02-24T15:05:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/factsheet"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/factsheet"/></url><url><loc>https://www.erste-am.at/en/imprint</loc><lastmod>2026-03-31T04:13:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/imprint"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/impressum"/></url><url><loc>https://www.erste-am.at/en/faqs</loc><lastmod>2026-01-14T15:47:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/faqs"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/faqs"/></url><url><loc>https://www.erste-am.at/en/you-invest</loc><lastmod>2024-09-02T13:32:14+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/you-invest"/></url><url><loc>https://www.erste-am.at/en/you-invest/invest-now</loc><lastmod>2024-08-29T15:22:23+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/you-invest/invest-now"/></url><url><loc>https://www.erste-am.at/en/you-invest/products</loc><lastmod>2024-04-30T14:44:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/you-invest/products"/></url><url><loc>https://www.erste-am.at/en/you-invest/products/solid</loc><lastmod>2024-08-21T09:49:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/you-invest/products/solid"/></url><url><loc>https://www.erste-am.at/en/you-invest/products/balanced</loc><lastmod>2024-08-21T09:49:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/you-invest/products/balanced"/></url><url><loc>https://www.erste-am.at/en/you-invest/products/active</loc><lastmod>2024-08-21T09:48:41+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/you-invest/products/active"/></url><url><loc>https://www.erste-am.at/en/you-invest/products/progressive</loc><lastmod>2024-08-21T09:48:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/you-invest/products/progressive"/></url><url><loc>https://www.erste-am.at/en/you-invest/products/advanced</loc><lastmod>2024-08-21T09:47:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/you-invest/products/advanced"/></url><url><loc>https://www.erste-am.at/en/page-not-found</loc><lastmod>2022-12-05T12:08:23+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/page-not-found"/></url><url><loc>https://www.erste-am.at/en/60years</loc><lastmod>2025-11-24T08:24:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/60years"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/60years"/></url><url><loc>https://www.erste-am.at/de/private-anleger</loc><lastmod>2026-03-02T10:16:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds</loc><lastmod>2025-09-15T08:59:01+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/you-invest-flexible</loc><lastmod>2026-02-20T08:42:20+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/you-invest-flexible"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/you-invest-flexible"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/gewinnfreibetrag</loc><lastmod>2026-02-20T08:40:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/tax-free-profit-allowance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/gewinnfreibetrag"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/fondssuche</loc><lastmod>2025-11-28T08:07:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/fund-search"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/fondssuche"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/performance-uebersicht</loc><lastmod>2025-09-17T10:03:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/performance-overview"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/performance-uebersicht"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/pflichtveroeffentlichungen</loc><lastmod>2025-09-15T09:02:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/mandatory-publications"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/pflichtveroeffentlichungen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/gemischte-fonds</loc><lastmod>2025-10-02T09:08:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/balanced-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/gemischte-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/pensionsrueckstellungsfonds</loc><lastmod>2026-02-20T08:40:47+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/funds-for-pension-reserves"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/pensionsrueckstellungsfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/anleihenfonds</loc><lastmod>2025-11-05T11:50:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/fixed-income-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/anleihenfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/aktienfonds</loc><lastmod>2025-10-01T10:34:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/equity-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/aktienfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/informationen-gemaess-deutschem-investmentsteuerreformgesetz</loc><lastmod>2025-05-13T08:53:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/informationen-gemaess-deutschem-investmentsteuerreformgesetz"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/anlegerrechte</loc><lastmod>2026-01-12T12:41:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/investor-rights"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/anlegerrechte"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-futureinvest</loc><lastmod>2026-03-18T14:49:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-futureinvest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-futureinvest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/core-equities</loc><lastmod>2026-03-19T08:41:44+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/core-equities"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/core-equities"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-techno</loc><lastmod>2026-03-18T14:51:41+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-stock-techno"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-techno"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-opportunities-mix</loc><lastmod>2026-03-18T14:52:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-opportunities-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/wwf-kooperation</loc><lastmod>2026-03-18T14:54:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-wwf-stock-environment"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/wwf-kooperation"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/unternehmensanleihen</loc><lastmod>2025-10-08T15:42:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/corporate-bonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/unternehmensanleihen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/umwelttechnologien</loc><lastmod>2026-02-25T10:35:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/environmental-technologies"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/umwelttechnologien"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/globaler-mix</loc><lastmod>2026-03-10T15:52:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/global-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/globaler-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-green-invest-mix</loc><lastmod>2026-03-18T15:00:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-green-invest-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-fair-invest</loc><lastmod>2026-03-19T08:39:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-fair-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-fair-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-quality</loc><lastmod>2026-03-19T08:47:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-stock-quality"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-quality"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-green-invest</loc><lastmod>2026-03-19T08:49:00+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-green-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-green-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-equity-research</loc><lastmod>2026-03-19T08:50:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-equity-research"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-equity-research"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-security-invest</loc><lastmod>2026-03-19T08:51:47+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-security-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-security-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-gold</loc><lastmod>2026-03-19T08:52:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-stock-gold"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-stock-gold"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/greenstars-fonds</loc><lastmod>2026-03-19T08:53:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/greenstars-fonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/greenstars-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/kurzlaufende-anleihen</loc><lastmod>2026-03-04T13:16:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/kurzlaufende-anleihen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-digital-assets</loc><lastmod>2026-04-01T14:23:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-funds/erste-digital-assets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/unsere-fonds/erste-digital-assets"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen</loc><lastmod>2025-10-27T15:23:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/vorsorge</loc><lastmod>2026-01-12T10:22:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/vorsorge"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/vorsorge"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/sparen-mit-fonds</loc><lastmod>2026-02-20T11:25:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/saving-with-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/sparen-mit-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/regelmaessiges-einkommen</loc><lastmod>2026-01-13T10:08:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/regular-income"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/regelmaessiges-einkommen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/veranlagungstipps</loc><lastmod>2026-01-13T10:13:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/investment-tips"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/veranlagungstipps"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/was-ist-ein-fonds</loc><lastmod>2025-12-16T08:34:26+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/what-is-a-fund"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/was-ist-ein-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-kaufen</loc><lastmod>2025-11-05T11:40:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/buying-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-kaufen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/info-material</loc><lastmod>2026-01-12T10:21:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/info-material"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc</loc><lastmod>2025-10-15T14:00:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bib</loc><lastmod>2025-02-06T09:04:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bib"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hawkish</loc><lastmod>2025-02-06T09:04:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hawkish"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hawkish"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bearish</loc><lastmod>2025-02-06T09:03:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/bearish"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bearish"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/leitzins</loc><lastmod>2026-03-20T13:02:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/leitzins"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/zinsdeckung</loc><lastmod>2025-02-06T09:02:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/zinsdeckung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/yield-to-call</loc><lastmod>2025-01-28T10:17:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/yield-to-call"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/yield-to-maturity</loc><lastmod>2025-01-28T10:25:22+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/yield-to-maturity"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/yield-to-worst</loc><lastmod>2025-02-06T09:02:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/yield-to-worst"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/x-kein-Begriff</loc><lastmod>2021-03-01T09:33:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/x-kein-Begriff"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/wertstellungstag</loc><lastmod>2025-02-06T08:57:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/wertstellungstag"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/wertpapierkennnummer</loc><lastmod>2025-02-06T09:01:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/wertpapierkennnummer"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/wertpapier</loc><lastmod>2025-02-06T09:00:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/wertpapier"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/werterhalt</loc><lastmod>2025-02-06T09:00:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/werterhalt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/waehrungssicherung</loc><lastmod>2025-02-06T09:00:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/waehrungssicherung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/vollthesaurierer</loc><lastmod>2025-02-06T08:59:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/vollthesaurierer"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/volatilitaet</loc><lastmod>2025-02-06T08:59:31+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/volatilitaet"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verwaltungsgesellschaft</loc><lastmod>2025-02-10T15:40:47+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verwaltungsgesellschaft"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verschmelzungen-von-fonds</loc><lastmod>2025-02-06T08:58:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verschmelzungen-von-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/vermoegensverwaltung</loc><lastmod>2025-02-06T08:58:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/vermoegensverwaltung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/valuta-datum</loc><lastmod>2025-02-06T08:57:34+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/valuta-datum"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/value-at-risk</loc><lastmod>2025-02-06T08:56:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/value-at-risk"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/value-at-risk"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/u-kein-Begriff</loc><lastmod>2021-03-01T09:36:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/u-kein-Begriff"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/tranchenfonds</loc><lastmod>2025-02-06T08:55:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/tranchenfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/spread-duration</loc><lastmod>2025-02-06T08:55:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/spread-duration"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/spread</loc><lastmod>2025-08-12T15:42:30+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/spread"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/spread"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/spezialfonds</loc><lastmod>2025-01-29T15:54:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/spezialfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/sondervermoegen</loc><lastmod>2025-07-18T10:57:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/sondervermoegen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/short-position</loc><lastmod>2025-02-06T08:54:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/short-position"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/short-position"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/sharpe-ratio</loc><lastmod>2025-02-06T08:53:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/sharpe-ratio"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/sharpe-ratio"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/schlusstag</loc><lastmod>2025-02-06T08:53:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/schlusstag"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ruecknahmepreis</loc><lastmod>2025-02-06T08:53:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ruecknahmepreis"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/roe</loc><lastmod>2025-02-06T08:52:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/roe"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/roe"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/roce</loc><lastmod>2025-02-06T08:52:34+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/roce"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/roce"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/risikostreuung</loc><lastmod>2025-02-06T08:52:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/risikostreuung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/risikoprofil</loc><lastmod>2025-02-06T08:57:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/risikoprofil"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/risikoaufschlag</loc><lastmod>2025-02-06T08:51:18+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/risikoaufschlag"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rendite</loc><lastmod>2025-02-06T08:50:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rendite"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rechenwert</loc><lastmod>2025-02-06T08:50:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rechenwert"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rechenschaftsbericht</loc><lastmod>2025-02-06T08:50:23+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rechenschaftsbericht"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rating</loc><lastmod>2025-02-06T08:49:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/rating"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/rating"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nominale</loc><lastmod>2025-02-06T10:58:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nominale"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nettoausschuettung</loc><lastmod>2025-07-18T10:57:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nettoausschuettung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nav</loc><lastmod>2025-02-06T11:24:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nav"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nachrangig</loc><lastmod>2025-02-06T12:56:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nachrangig"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/dak</loc><lastmod>2025-07-18T10:58:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/dak"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg-impact</loc><lastmod>2025-02-06T13:09:22+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg-impact"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg-responsible</loc><lastmod>2025-02-06T13:26:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg-responsible"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg-integration</loc><lastmod>2025-02-06T13:15:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg-integration"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/mindeststandards</loc><lastmod>2025-02-06T13:37:06+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/mindeststandards"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/steuern</loc><lastmod>2025-02-06T08:27:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/steuern"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/absolute-return</loc><lastmod>2025-02-06T13:41:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/absolute-return"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/absolute-return"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/aif-publikumsfonds</loc><lastmod>2025-09-01T12:15:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/aif-publikumsfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/aktienfonds</loc><lastmod>2025-02-06T14:16:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/aktienfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/alternative-investment-fonds</loc><lastmod>2025-02-06T14:27:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/alternative-investment-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/anleihenfonds</loc><lastmod>2025-02-06T14:40:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/anleihenfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/anteilschein</loc><lastmod>2025-02-06T14:44:07+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/anteilschein"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/anteilscheinklassen</loc><lastmod>2025-02-07T10:32:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/anteilscheinklassen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/asset-allocation</loc><lastmod>2025-02-06T14:54:07+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/asset-allocation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/asset-allocation"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausgabeaufschlag</loc><lastmod>2025-02-06T15:09:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausgabeaufschlag"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausgabepreis</loc><lastmod>2025-02-07T10:14:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausgabepreis"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/auslaender-kest</loc><lastmod>2025-02-07T10:16:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/auslaender-kest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausschuettende-anteilscheinklasse</loc><lastmod>2026-02-16T08:16:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausschuettende-anteilscheinklasse"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausschuettung</loc><lastmod>2026-02-16T08:16:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausschuettung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausschuettung-quartalsweise</loc><lastmod>2026-02-16T08:16:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausschuettung-quartalsweise"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausschuettungsrendite</loc><lastmod>2025-02-07T11:18:26+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ausschuettungsrendite"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/benchmark</loc><lastmod>2025-02-07T12:38:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/benchmark"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/benchmark"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/best-in-class</loc><lastmod>2025-02-07T12:49:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/best-in-class"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/best-in-class"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/beta</loc><lastmod>2025-02-07T12:53:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/beta"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/beta"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bonitaet</loc><lastmod>2025-02-07T13:02:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bonitaet"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bruttoausschuettung</loc><lastmod>2025-02-07T13:04:35+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/bruttoausschuettung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/capital-plan</loc><lastmod>2026-01-12T10:32:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/capital-plan"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ceteris-paribus</loc><lastmod>2025-02-07T13:06:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/ceteris-paribus"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ceteris-paribus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/transaktionskosten</loc><lastmod>2025-02-07T13:07:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/transaktionskosten"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/trackingerror</loc><lastmod>2025-02-07T13:12:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/trackingerror"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/thesaurierenden-anteilscheinklassen</loc><lastmod>2026-02-25T10:57:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/thesaurierenden-anteilscheinklassen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/technische-indikatoren</loc><lastmod>2025-02-07T13:32:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/technische-indikatoren"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/summary-risk-indicator</loc><lastmod>2025-08-12T11:19:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/summary-risk-indicator"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/summary-risk-indicator"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/commitment-approach</loc><lastmod>2025-02-07T14:19:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/commitment-approach"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/commitment-approach"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/cost-average-prinzip</loc><lastmod>2025-02-07T14:22:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/cost-average-prinzip"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/dachfonds</loc><lastmod>2025-02-25T09:10:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/dachfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/depotbank</loc><lastmod>2025-07-18T10:57:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/depotbank"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/derivative-finanzinstrumente</loc><lastmod>2025-02-10T08:26:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/derivative-finanzinstrumente"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/dividendenrendite</loc><lastmod>2025-02-10T08:29:41+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/dividendenrendite"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/duration</loc><lastmod>2025-02-10T08:32:48+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/duration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/duration"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/social-responsible-investing</loc><lastmod>2025-08-12T15:09:08+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/social-responsible-investing"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/einzeltitelrisiko</loc><lastmod>2025-07-18T10:58:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/einzeltitelrisiko"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emerging-markets</loc><lastmod>2025-02-10T08:38:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/emerging-markets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emerging-markets"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emission</loc><lastmod>2025-02-10T08:40:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emission"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emittent</loc><lastmod>2025-02-10T08:43:57+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emittent"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/empfohlende-behaltedauer</loc><lastmod>2025-02-10T08:47:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/empfohlende-behaltedauer"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/entnahmeplan</loc><lastmod>2025-02-10T08:51:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/entnahmeplan"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/eps-growth</loc><lastmod>2025-02-25T09:09:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/eps-growth"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ertragsausgleich</loc><lastmod>2025-02-10T08:58:27+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ertragsausgleich"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg</loc><lastmod>2025-09-03T08:49:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esg"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esg"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esgenius-analyse</loc><lastmod>2025-02-10T09:16:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esgenius-analyse"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esgenius-analyse"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/etf</loc><lastmod>2025-02-10T09:20:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/etf"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/etf"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ex-tag</loc><lastmod>2025-02-10T09:23:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ex-tag"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/feeder</loc><lastmod>2025-02-10T09:27:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/feeder"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/floater</loc><lastmod>2025-02-10T10:20:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/floater"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/floater"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fondsbestimmungen</loc><lastmod>2025-02-10T10:34:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fondsbestimmungen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fondsvermoegen</loc><lastmod>2025-02-10T10:37:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fondsvermoegen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/futures</loc><lastmod>2025-02-10T10:39:34+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/futures"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/futures"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/geldmarktnahe-fonds</loc><lastmod>2025-02-10T10:50:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/geldmarktnahe-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/gemischte-fonds</loc><lastmod>2025-02-06T09:05:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/gemischte-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/groesster-historischer-verlust</loc><lastmod>2025-02-10T11:00:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/groesster-historischer-verlust"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hedgefonds</loc><lastmod>2025-02-10T11:28:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hedgefonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hedging</loc><lastmod>2025-02-10T11:30:20+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/hedging"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hedging"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/high-yield</loc><lastmod>2025-02-10T12:30:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/high-yield"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/s-fonds-plan</loc><lastmod>2026-01-12T10:32:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/s-fonds-plan"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/s-fonds-plan"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hybridanleihen</loc><lastmod>2025-02-24T11:53:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/hybridanleihen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/information-ratio</loc><lastmod>2025-02-10T13:41:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/information-ratio"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/information-ratio"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investment-ansatz</loc><lastmod>2025-02-10T13:42:23+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investment-ansatz"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/publikumsfonds</loc><lastmod>2025-02-10T13:45:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/publikumsfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investment-grade</loc><lastmod>2025-02-10T13:51:20+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/investment-grade"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investment-grade"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investmentfonds</loc><lastmod>2025-02-10T13:55:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investmentfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investmentfondsgesetz</loc><lastmod>2025-02-25T09:08:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/investmentfondsgesetz"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/prospekt</loc><lastmod>2025-02-10T14:25:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/prospekt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/isin</loc><lastmod>2025-02-10T14:28:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/isin"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/isin"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/jahresbericht</loc><lastmod>2025-02-10T14:30:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/jahresbericht"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/portfolio</loc><lastmod>2025-02-10T15:36:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/portfolio"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/portfolio"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kapitalanlagegesellschaft</loc><lastmod>2025-02-10T15:41:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kapitalanlagegesellschaft"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/performance</loc><lastmod>2026-02-16T13:35:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/performance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/performance"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kest</loc><lastmod>2021-03-01T09:40:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/kest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/pensionsgeschaeft</loc><lastmod>2025-02-10T15:55:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/pensionsgeschaeft"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kgv</loc><lastmod>2025-02-10T16:13:18+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kgv"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/order</loc><lastmod>2025-02-10T16:14:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/order"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/order"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kooperationsfonds</loc><lastmod>2025-02-10T16:16:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kooperationsfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ordentlicher-ertrag</loc><lastmod>2025-02-11T12:21:10+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ordentlicher-ertrag"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/laufende-kosten</loc><lastmod>2025-03-04T13:35:44+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/laufende-kosten"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/marktkapitalisierung</loc><lastmod>2025-02-11T12:21:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/marktkapitalisierung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ogaw</loc><lastmod>2025-02-11T12:21:23+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ogaw"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/marktphasen</loc><lastmod>2025-02-11T15:03:48+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/marktphasen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/master-feeder-fonds</loc><lastmod>2025-02-10T10:21:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/master-feeder-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/min-max-performance</loc><lastmod>2025-02-11T14:52:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/min-max-performance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/min-max-performance"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/mindestbehaltedauer</loc><lastmod>2025-02-11T14:31:35+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/mindestbehaltedauer"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/mittlere-restlaufzeit</loc><lastmod>2025-02-11T14:29:41+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/mittlere-restlaufzeit"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/modified-duration</loc><lastmod>2025-02-11T14:28:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/modified-duration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/modified-duration"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/muendelsicherheit</loc><lastmod>2025-02-24T16:06:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/muendelsicherheit"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/oekb</loc><lastmod>2025-02-11T13:53:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/oekb"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/oekb"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/oekb-methode</loc><lastmod>2025-02-11T13:42:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/oekb-methode"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/durchschnittlicher-kupon</loc><lastmod>2025-02-11T13:35:26+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/durchschnittlicher-kupon"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/engagement</loc><lastmod>2025-02-11T13:22:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/engagement"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/engagement"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esgenius-score</loc><lastmod>2025-02-11T12:25:31+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/esgenius-score"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/esgenius-score"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/integration</loc><lastmod>2024-10-22T14:07:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/integration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/integration"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/responsible</loc><lastmod>2024-10-22T14:07:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/responsible"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/responsible"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/impact</loc><lastmod>2024-10-22T14:08:03+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/impact"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fondssparen</loc><lastmod>2025-02-06T10:46:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fondssparen"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fondssparen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/aktiv-gemanagt</loc><lastmod>2025-02-06T10:40:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/aktiv-gemanagt"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/aktiv-gemanagt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/passiv-gemanagt</loc><lastmod>2025-02-06T10:38:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/passiv-gemanagt"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/passiv-gemanagt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/active-ownership</loc><lastmod>2025-02-06T10:36:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/active-ownership"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/active-ownership"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/voting</loc><lastmod>2025-02-06T10:29:25+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/voting"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/voting"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verwaltungsgebuehr</loc><lastmod>2025-02-06T10:26:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/verwaltungsgebuehr"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verwaltungsgebuehr"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/performance-fee</loc><lastmod>2025-02-06T10:23:22+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/performance-fee"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/performance-fee"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/index</loc><lastmod>2025-02-06T10:18:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/index"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/index"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/indexfonds</loc><lastmod>2024-10-29T13:39:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/indexfonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/indexfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kmu</loc><lastmod>2025-02-06T08:33:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/kmu"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/kmu"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/gewinnfreibetrag</loc><lastmod>2025-02-06T08:37:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/gewinnfreibetrag"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/gewinnfreibetrag"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/eu-taxonomie</loc><lastmod>2025-02-06T08:39:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/eu-taxonomie"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/eu-taxonomie"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/zinsaenderungsrisiko</loc><lastmod>2025-02-06T08:41:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/zinsaenderungsrisiko"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/zinsaenderungsrisiko"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/principal-adverse-impacts</loc><lastmod>2025-02-06T08:46:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/principal-adverse-impacts"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/principal-adverse-impacts"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nutzer-isd-referenzwerte-vo</loc><lastmod>2025-02-06T08:48:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/nutzer-isd-referenzwerte-vo"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/nutzer-isd-referenzwerte-vo"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fremdwaehrungsrisiko</loc><lastmod>2025-02-06T09:28:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/fremdwaehrungsrisiko"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fremdwaehrungsrisiko"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/laenderrisiko</loc><lastmod>2025-02-06T10:05:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/laenderrisiko"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/laenderrisiko"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emittentenrisiko</loc><lastmod>2025-02-06T10:07:23+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/emittentenrisiko"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/emittentenrisiko"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/paragraph-10-estg</loc><lastmod>2025-02-06T10:07:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/paragraph-10-estg"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/paragraph-10-estg"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/offenlegungsverordnung</loc><lastmod>2025-07-11T12:53:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/offenlegungsverordnung"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/offenlegungsverordnung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/pensionskassengesetz</loc><lastmod>2025-02-06T10:12:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/pensionskassengesetz"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/pensionskassengesetz"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/sustainable-finance-disclosure-regulation</loc><lastmod>2024-10-29T16:16:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/sustainable-finance-disclosure-regulation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/sustainable-finance-disclosure-regulation"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/durchschnittskosteneffekt</loc><lastmod>2025-02-27T08:39:25+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/durchschnittskosteneffekt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/einzeltitelfonds</loc><lastmod>2025-11-19T14:55:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/einzeltitelfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fonds-sparplan</loc><lastmod>2026-01-19T10:35:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/fonds-sparplan"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/lmts</loc><lastmod>2026-02-04T12:30:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/lmts"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/lmts"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ruecknahmebeschraenkungen</loc><lastmod>2026-01-23T11:05:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/redemption-gates"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/ruecknahmebeschraenkungen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verlaengerung-kuendigungsfristen</loc><lastmod>2026-01-23T11:05:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/our-solutions/fund-glossary/verlaengerung-kuendigungsfristen"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/geld-anlegen/fonds-abc/verlaengerung-kuendigungsfristen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit</loc><lastmod>2026-02-20T08:18:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/publikationen-und-richtlinien</loc><lastmod>2026-03-19T04:20:22+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/publikationen-und-richtlinien"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/nachhaltige-kooperationen</loc><lastmod>2026-04-02T09:00:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/nachhaltige-kooperationen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/nachhaltige-kooperationen/rotes-kreuz-kooperation</loc><lastmod>2025-09-12T14:20:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/cooperations-and-certifications/rotes-kreuz-kooperation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/nachhaltige-kooperationen/rotes-kreuz-kooperation"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact</loc><lastmod>2026-02-25T10:35:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact/erste-responsible-bond-global-impact</loc><lastmod>2025-05-28T12:59:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/impact/erste-responsible-bond-global-impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact/erste-responsible-bond-global-impact"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact/erste-responsible-microfinance</loc><lastmod>2025-05-28T12:59:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/impact/erste-responsible-microfinance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/impact/erste-responsible-microfinance"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/integration</loc><lastmod>2025-11-05T11:24:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/integration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/integration"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/responsible</loc><lastmod>2026-02-20T08:48:08+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/responsible"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/responsible"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/green-consumption-pledge</loc><lastmod>2025-08-12T15:50:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/green-consumption-pledge"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/green-consumption-pledge"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/esg-fonds-finder</loc><lastmod>2025-12-02T09:54:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/esg-fund-finder"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/esg-fonds-finder"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/esgenius-score</loc><lastmod>2025-11-05T11:30:29+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/esgenius-score"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/esgenius-letter</loc><lastmod>2026-02-20T08:46:34+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/esgenius-letter"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/esgenius-letter"/></url><url><loc>https://www.erste-am.at/de/private-anleger/nachhaltigkeit/zertifizierungen</loc><lastmod>2026-04-01T08:47:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/sustainability/certifications"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/nachhaltigkeit/zertifizierungen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir</loc><lastmod>2025-11-05T10:55:48+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/kernkompetenzen</loc><lastmod>2025-11-05T11:07:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/core-competencies"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/kernkompetenzen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/kooperationen</loc><lastmod>2025-09-11T09:44:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/cooperation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/kooperationen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere</loc><lastmod>2026-02-20T08:58:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/career"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/karrierewege</loc><lastmod>2025-09-12T09:01:14+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/career/career-paths"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/karrierewege"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/mitarbeiter-vorteile</loc><lastmod>2025-11-05T11:11:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/career/employee-benefits"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/mitarbeiter-vorteile"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/stellenangebote</loc><lastmod>2025-11-05T11:12:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/stellenangebote"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/finance-goes-female</loc><lastmod>2025-10-09T13:35:48+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/finance-goes-female"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/job-nicht-gefunden</loc><lastmod>2026-03-18T15:40:00+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/karriere/job-nicht-gefunden"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/ueber-uns</loc><lastmod>2025-09-15T09:09:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/about-us"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/ueber-uns"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/awards</loc><lastmod>2025-06-23T16:26:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/awards"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/awards"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/investmentprozess</loc><lastmod>2025-08-12T10:47:30+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/investment-process"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/investmentprozess"/></url><url><loc>https://www.erste-am.at/de/private-anleger/wer-sind-wir/standorte</loc><lastmod>2025-12-15T03:00:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/who-are-we/locations"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/wer-sind-wir/standorte"/></url><url><loc>https://www.erste-am.at/de/private-anleger/rechner</loc><lastmod>2026-01-12T10:48:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner"/></url><url><loc>https://www.erste-am.at/de/private-anleger/rechner/monatliches-zusatzeinkommen-rechner</loc><lastmod>2025-11-24T15:49:07+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/calculator/additional-income-calculator"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner/monatliches-zusatzeinkommen-rechner"/></url><url><loc>https://www.erste-am.at/de/private-anleger/rechner/performance-rechner</loc><lastmod>2026-03-02T08:40:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/calculator/performance-calculator"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner/performance-rechner"/></url><url><loc>https://www.erste-am.at/de/private-anleger/rechner/zukunftiges-vermogen</loc><lastmod>2026-03-02T08:39:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/calculator/investment-calculator"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner/zukunftiges-vermogen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/rechner/sparplan-mix-rechner</loc><lastmod>2026-01-12T10:42:25+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner/sparplan-mix-rechner"/></url><url><loc>https://www.erste-am.at/de/private-anleger/rechner/kommerz-mix-rechner</loc><lastmod>2025-11-05T11:06:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/rechner/kommerz-mix-rechner"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse</loc><lastmod>2026-03-02T09:03:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen</loc><lastmod>2025-03-03T09:23:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/01/18/erste-asset-management-rechnet-mit-schub-fuer-globale-konjunktur</loc><lastmod>2024-09-03T09:22:46+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/01/18/erste-asset-management-rechnet-mit-schub-fuer-globale-konjunktur"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/01/26/erste-sparinvest-legt-nachhaltigen-dividendenfonds-auf</loc><lastmod>2024-09-03T09:24:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/01/26/erste-sparinvest-legt-nachhaltigen-dividendenfonds-auf"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/02/09/erste-asset-management-mit-neuem-head-of-human-resources</loc><lastmod>2024-09-03T09:24:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/02/09/erste-asset-management-mit-neuem-head-of-human-resources"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/03/16/erste-asset-management-im-gespraech-die-dividenden-saison-naht</loc><lastmod>2024-09-03T09:29:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/03/16/erste-asset-management-im-gespraech-die-dividenden-saison-naht"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/03/21/batterien-drahtseilakt-zwischen-profit-und-verantwortung</loc><lastmod>2025-07-18T10:41:30+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/03/21/batterien-drahtseilakt-zwischen-profit-und-verantwortung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/04/27/nachhaltiger-inflationsdruck-bleibt-trotz-steigenden-preisen-aus</loc><lastmod>2024-09-03T12:55:08+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/04/27/nachhaltiger-inflationsdruck-bleibt-trotz-steigenden-preisen-aus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/04/25/die-schwellenlaenderboersen-kehren-zurueck-auf-kurs</loc><lastmod>2024-09-03T12:55:48+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/04/25/die-schwellenlaenderboersen-kehren-zurueck-auf-kurs"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/04/06/erste-asset-management-lanciert-fonds-fuer-em-unternehmensanleihen-mit-kuerzeren-laufzeiten</loc><lastmod>2024-09-03T12:57:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/04/06/erste-asset-management-lanciert-fonds-fuer-em-unternehmensanleihen-mit-kuerzeren-laufzeiten"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/06/13/erste-sparinvest-warnt-vor-internet-seite-www-kapitalwealth-com</loc><lastmod>2024-09-03T12:57:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/06/13/erste-sparinvest-warnt-vor-internet-seite-www-kapitalwealth-com"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/07/17/10-jahre-erste-bond-emerging-markets-corporate</loc><lastmod>2024-09-03T13:00:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/07/17/10-jahre-erste-bond-emerging-markets-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/07/31/erste-asset-management-rechnet-mit-kraeftigen-wachstumsraten-der-schwellenlaender</loc><lastmod>2024-08-29T08:57:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/07/31/erste-asset-management-rechnet-mit-kraeftigen-wachstumsraten-der-schwellenlaender"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/07/19/170719</loc><lastmod>2024-08-29T09:14:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/07/19/170719"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/08/10/erste-asset-management-sieht-rueckenwind-fuer-biotech-aktien</loc><lastmod>2024-09-03T13:01:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/08/10/erste-asset-management-sieht-rueckenwind-fuer-biotech-aktien"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/08/17/170817</loc><lastmod>2024-08-29T08:58:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/08/17/170817"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/08/17/170817"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/10/9/171009</loc><lastmod>2024-08-29T09:00:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2017/10/9/171009"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/10/9/171009"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/11/06/verschmelzung-der-tirolinvest-in-die-erste-sparinvest</loc><lastmod>2024-07-11T11:14:30+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/11/06/verschmelzung-der-tirolinvest-in-die-erste-sparinvest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/11/20/oesterreichischer-dachfonds-award-2017</loc><lastmod>2024-07-11T11:15:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/11/20/oesterreichischer-dachfonds-award-2017"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/11/30/erste-am-ausblick-2018</loc><lastmod>2024-09-03T13:02:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/11/30/erste-am-ausblick-2018"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/12/06/nachhaltige-fonds-der-erste-asset-management-erhalten-bestnote</loc><lastmod>2024-08-29T14:46:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/12/06/nachhaltige-fonds-der-erste-asset-management-erhalten-bestnote"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/12/18/erste-am-esg-report--logistiker-uebernehmen-zunehmend-verantwort</loc><lastmod>2025-07-18T10:42:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2017/12/18/erste-am-esg-report--logistiker-uebernehmen-zunehmend-verantwort"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2016/10/06/erste-asset-management-verbannt-kohleminen-aus-allen-publikumsfonds</loc><lastmod>2024-09-03T09:21:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2016/10/06/erste-asset-management-verbannt-kohleminen-aus-allen-publikumsfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/02/01/espa-groesste-fondsgesellschaft-in-oesterreich</loc><lastmod>2024-08-29T09:04:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/02/01/espa-groesste-fondsgesellschaft-in-oesterreich"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/02/05/erste-am--warum-der-co2-fussabdruck-von-aktienfonds-wichtig-ist</loc><lastmod>2024-07-11T11:22:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/02/05/erste-am--warum-der-co2-fussabdruck-von-aktienfonds-wichtig-ist"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/02/16/erste-asset-management-erweitert-geschaeftsfuehrung</loc><lastmod>2024-07-11T11:23:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/02/16/erste-asset-management-erweitert-geschaeftsfuehrung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/03/12/erste-asset-management-sucht-nach-den-besten-wissenschaftlichen-</loc><lastmod>2024-11-04T09:04:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/03/12/erste-asset-management-sucht-nach-den-besten-wissenschaftlichen-"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/03/21/wasserfussabdruck-fuer-nachhaltiges-investieren-</loc><lastmod>2025-07-18T10:42:38+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/03/21/wasserfussabdruck-fuer-nachhaltiges-investieren-"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/04/20/world-earth-day-2018</loc><lastmod>2024-07-11T11:27:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/04/20/world-earth-day-2018"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/04/23/erste-fixed-income-plus</loc><lastmod>2024-08-29T09:05:38+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/04/23/erste-fixed-income-plus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/05/28/russland-vor-fussball-wm-auf-wachstumskurs</loc><lastmod>2024-07-11T11:29:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/05/28/russland-vor-fussball-wm-auf-wachstumskurs"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/06/19/plastik-koennen-wir-darauf-verzichten</loc><lastmod>2025-07-18T10:43:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/06/19/plastik-koennen-wir-darauf-verzichten"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/07/25/eam-praemiert-beste-wissenschaftliche-arbeiten</loc><lastmod>2024-10-15T11:06:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/07/25/eam-praemiert-beste-wissenschaftliche-arbeiten"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/09/19/nachhaltig-investieren--datenschutz-bei-social-media-und-big-dat</loc><lastmod>2025-07-18T10:43:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/09/19/nachhaltig-investieren--datenschutz-bei-social-media-und-big-dat"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/09/19/nachhaltig-investieren--datenschutz-bei-social-media-und-big-dat"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/11/06/erste-sparinvest-fusioniert-mit-erste-asset-management</loc><lastmod>2024-07-11T11:35:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2018/11/06/erste-sparinvest-fusioniert-mit-erste-asset-management"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/11/06/erste-sparinvest-fusioniert-mit-erste-asset-management"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/11/29/nachhaltige-fonds-der-erste-am</loc><lastmod>2024-07-11T11:36:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/11/29/nachhaltige-fonds-der-erste-am"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/12/27/gewinner-erste-am-challenge-2018</loc><lastmod>2024-07-11T11:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2018/12/27/gewinner-erste-am-challenge-2018"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/01/18/Ausblick2019</loc><lastmod>2024-09-03T09:13:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/01/18/Ausblick2019"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/02/07/venezuela_ein_klassischer_umschuldungskandidat</loc><lastmod>2024-08-29T09:16:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/02/07/venezuela_ein_klassischer_umschuldungskandidat"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/03/20/espa-bond-corporate-bb-lipper-fund-awards</loc><lastmod>2024-07-11T12:33:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/03/20/espa-bond-corporate-bb-lipper-fund-awards"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/03/21/wasser-risiken-veranlagung</loc><lastmod>2025-09-11T10:31:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/03/21/wasser-risiken-veranlagung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/04/04/geld-groesste-hebel-gegen-den-klimawandel</loc><lastmod>2025-05-08T14:22:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/04/04/geld-groesste-hebel-gegen-den-klimawandel"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/04/04/geld-groesste-hebel-gegen-den-klimawandel"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/06/12/leitung-nachhaltig-investments-eam</loc><lastmod>2024-08-29T10:56:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/06/12/leitung-nachhaltig-investments-eam"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/06/13/you-invest-advanced</loc><lastmod>2024-08-29T10:55:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/06/13/you-invest-advanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/07/12/fleischkonsum-sicht-nachhaltiger-investor</loc><lastmod>2025-07-18T10:44:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/07/12/meat-production-sustainable-investing"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/07/12/fleischkonsum-sicht-nachhaltiger-investor"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/07/18/kapitalmarktausblick-2-halbjahr-2019</loc><lastmod>2024-07-11T12:42:30+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/07/18/capital-market-outlook-2019"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/07/18/kapitalmarktausblick-2-halbjahr-2019"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/09/13/stimmrechtsaison-2019</loc><lastmod>2024-07-11T12:43:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/09/13/voting-season-2019"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/09/13/stimmrechtsaison-2019"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/09/19/studie-megatrends-oesterreich</loc><lastmod>2024-07-11T12:45:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2019/09/19/study-megatrends-austria"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/09/19/studie-megatrends-oesterreich"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/10/10/esg-letter-automobilindustrie</loc><lastmod>2025-07-18T10:45:04+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/10/10/esg-letter-automobilindustrie"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/12/12/erste-am-beste-fondsgesellschaft</loc><lastmod>2024-08-29T14:30:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2019/12/12/erste-am-beste-fondsgesellschaft"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/02/03/erste-am-head-of-institutional-sales</loc><lastmod>2024-07-11T12:54:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/02/03/erste-am-head-of-institutional-sales"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/03/04/EAM-us-zinssenkung</loc><lastmod>2024-07-11T12:55:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/03/04/EAM-us-zinssenkung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/04/09/EAM-erdoelausstieg</loc><lastmod>2025-07-18T10:45:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/04/09/EAM-erdoelausstieg"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/05/22/EAM-engagement-report</loc><lastmod>2024-09-04T08:18:41+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/05/22/EAM-engagement-report"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/07/06/erste-green-invest</loc><lastmod>2025-07-18T10:46:23+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/07/06/erste-green-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/08/06/ausblick-auf-die-Finanzmaerkte</loc><lastmod>2024-09-03T09:05:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/08/06/ausblick-auf-die-Finanzmaerkte"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/08/19/co2-kompensation</loc><lastmod>2024-09-03T09:05:46+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/08/19/co2-kompensation"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/09/14/erste-green-invest-mix</loc><lastmod>2024-08-29T14:47:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/09/14/erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/10/30/erste-am-head-of-desk-equities-oesterreich</loc><lastmod>2024-07-11T14:23:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/10/30/erste-am-head-of-desk-equities-oesterreich"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/10/27/emerging-markets-unternehmensanleihen</loc><lastmod>2024-09-03T09:07:14+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/10/27/emerging-markets-unternehmensanleihen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/11/20/eam-unsere-fonds-bewegen-unternehmen-zu-mehr-nachhaltigkeit</loc><lastmod>2025-05-08T14:25:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/11/20/eam-unsere-fonds-bewegen-unternehmen-zu-mehr-nachhaltigkeit"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/11/27/eam-nachhaltigkeitssiegel</loc><lastmod>2024-09-03T09:09:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/11/27/eam-nachhaltigkeitssiegel"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/12/10/eam-sieht-wirtschaftliche-erholung-als-treiber-fuer-kapitalmaerkte-2021</loc><lastmod>2024-08-29T14:51:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/12/10/eam-sieht-wirtschaftliche-erholung-als-treiber-fuer-kapitalmaerkte-2021"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/12/14/eam-thomas-kraus-neues-mitglied-der-geschaeftsfuehrung</loc><lastmod>2024-07-11T14:35:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2020/12/14/eam-thomas-kraus-neues-mitglied-der-geschaeftsfuehrung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/02/01/erste-asset-management-marktfuehrerschaft-2020</loc><lastmod>2024-08-29T14:52:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/02/01/erste-asset-management-marktfuehrerschaft-2020"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/03/03/erste-asset-management-veraenderung-in-der-geschaeftsfuehrung</loc><lastmod>2024-07-11T14:43:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/03/03/erste-asset-management-veraenderung-in-der-geschaeftsfuehrung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/03/10/eu-offenlegungsverordnung-nachhaltige-finanzprodukte</loc><lastmod>2025-11-06T12:37:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/03/10/eu-offenlegungsverordnung-nachhaltige-finanzprodukte"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/04/08/erste-real-assets</loc><lastmod>2024-09-03T08:27:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/04/08/erste-real-assets"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/04/15/impact-investing-esgenius-newsletter</loc><lastmod>2025-05-08T15:27:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2021/04/15/impact-investing-esgenius-newsletter"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/04/15/impact-investing-esgenius-newsletter"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/05/10/bernd-marzin-senior-sales-manager-eam-deutschland</loc><lastmod>2024-07-11T14:47:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/05/10/bernd-marzin-senior-sales-manager-eam-deutschland"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/05/21/eam-slowakische-tochter-erwirbt-exklusives-buerohaus-lokaler-immobilienfonds</loc><lastmod>2024-09-03T08:29:43+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/05/21/eam-slowakische-tochter-erwirbt-exklusives-buerohaus-lokaler-immobilienfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/06/24/eam-neue-kohle-policy</loc><lastmod>2024-09-03T08:31:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/06/24/eam-neue-kohle-policy"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/07/19/eam-ausblick-zweites-halbjahr-2021</loc><lastmod>2024-09-03T08:33:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/07/19/eam-ausblick-zweites-halbjahr-2021"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/08/16/neuer-nachhaltiger-fonds-erste-fair-invest</loc><lastmod>2024-09-03T08:34:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/08/16/neuer-nachhaltiger-fonds-erste-fair-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/10/06/erste-group-buendelt-private-equity-aktivitaeten-in-erste-asset-management</loc><lastmod>2024-09-03T08:58:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/10/06/erste-group-buendelt-private-equity-aktivitaeten-in-erste-asset-management"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/11/05/erste-am-wwf-oesterreich-nachhaltige-investments</loc><lastmod>2024-08-29T15:19:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/11/05/erste-am-wwf-oesterreich-nachhaltige-investments"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/11/30/erste-am-optimistisch-trotz-covid-inflation-und-lieferengpaesse-geht-erholung-weiter</loc><lastmod>2024-08-29T15:31:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/11/30/erste-am-optimistisch-trotz-covid-inflation-und-lieferengpaesse-geht-erholung-weiter"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/11/26/erste-am-15-nachhaltige-fonds-mit-hoechster-auszeichnung</loc><lastmod>2025-05-08T15:25:26+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2021/11/26/erste-am-15-nachhaltige-fonds-mit-hoechster-auszeichnung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/01/04/fondsgesellschaft-erste-asset-management-mit-rekordergebnis-im-jahr-2021</loc><lastmod>2024-09-03T08:15:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/01/04/fondsgesellschaft-erste-asset-management-mit-rekordergebnis-im-jahr-2021"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/01/08/gerald-stadlbauer-neuer-head-of-discretionary-portfolio-management</loc><lastmod>2024-09-03T08:16:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/01/08/gerald-stadlbauer-neuer-head-of-discretionary-portfolio-management"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/06/08/erste-asset-management-startet-private-equity-dachfonds</loc><lastmod>2024-09-03T08:18:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/06/08/erste-asset-management-startet-private-equity-dachfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/09/01/social-das-s-in-esg</loc><lastmod>2025-05-08T14:11:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/09/01/social-das-s-in-esg"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/11/25/fng-siegel-erste-asset-management-mit-bestnote-ausgezeichnet</loc><lastmod>2024-08-29T15:53:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/11/25/fng-siegel-erste-asset-management-mit-bestnote-ausgezeichnet"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/12/01/erste-am-sieht-nach-den-marktkorrekturen-potenzial-fuer-fonds-im-jahr-2023</loc><lastmod>2024-09-03T08:23:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/12/01/erste-am-sieht-nach-den-marktkorrekturen-potenzial-fuer-fonds-im-jahr-2023"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/12/19/esg-dossier-ueber-die-energie-der-zukunft</loc><lastmod>2025-09-03T08:50:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2022/12/19/esg-dossier-ueber-die-energie-der-zukunft"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/01/16/erste-am-setzt-auf-attraktive-renditen-und-emittiert-laufzeitfonds</loc><lastmod>2024-08-29T15:54:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/01/16/erste-am-setzt-auf-attraktive-renditen-und-emittiert-laufzeitfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/03/21/weltwassertag-wasserrisiken-sind-auch-oekonomische-risiken</loc><lastmod>2024-07-11T15:34:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/03/21/weltwassertag-wasserrisiken-sind-auch-oekonomische-risiken"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/04/26/erste-asset-management-legt-zweiten-laufzeitfonds-mit-breitem-mix-aus-unternehmensanleihen-auf</loc><lastmod>2024-08-29T15:57:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/04/26/erste-asset-management-legt-zweiten-laufzeitfonds-mit-breitem-mix-aus-unternehmensanleihen-auf"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/05/11/magdalena-ujwary-neue-head-of-operations</loc><lastmod>2024-07-11T15:37:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/05/11/magdalena-ujwary-neue-head-of-operations"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/06/05/erste-asset-management-legt-dritten-laufzeitfonds-mit-unternehmensanleihen-auf</loc><lastmod>2024-08-29T15:57:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/06/05/erste-asset-management-legt-dritten-laufzeitfonds-mit-unternehmensanleihen-auf"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/07/28/biodiversitaet-in-der-krise-erste-asset-management-veroeffentlicht-neue-richtlinie</loc><lastmod>2024-07-11T15:40:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/07/28/biodiversitaet-in-der-krise-erste-asset-management-veroeffentlicht-neue-richtlinie"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/11/24/fng-siegel-2024</loc><lastmod>2024-07-11T15:41:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/11/24/fng-siegel-2024"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/11/28/erste-laufzeitfonds-kmu-2028</loc><lastmod>2024-08-29T15:59:03+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/11/28/erste-laufzeitfonds-kmu-2028"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/12/05/kapitalmarktausblick-2024</loc><lastmod>2024-08-30T14:09:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2023/12/05/erste-am-outlook-2024"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/12/05/kapitalmarktausblick-2024"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/12/18/erste-asset-management-bringt-tech-aktienfonds-in-deutschland-an-den-start</loc><lastmod>2024-08-30T14:08:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2023/12/18/erste-asset-management-bringt-tech-aktienfonds-in-deutschland-an-den-start"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/01/12/erste-laufzeitfonds-hochzins-2029</loc><lastmod>2024-08-29T10:43:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/01/12/erste-laufzeitfonds-hochzins-2029"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/03/07/erste-fondskonzept-24-1</loc><lastmod>2024-08-29T16:02:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/03/07/erste-fondskonzept-24-1"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/03/22/weltwassertag-2024</loc><lastmod>2024-08-29T08:50:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/03/22/weltwassertag-2024"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/03/25/mischfonds-erste-green-invest-mix-wird-dunkelgruen</loc><lastmod>2026-03-23T10:53:23+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/03/25/erste-green-invest-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/03/25/mischfonds-erste-green-invest-mix-wird-dunkelgruen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/04/02/erste-laufzeitfonds-hochzins-2029-II</loc><lastmod>2024-08-29T16:00:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/04/02/erste-laufzeitfonds-hochzins-2029-II"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/05/06/start-erste-opportunities-mix</loc><lastmod>2024-07-11T16:01:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/05/06/start-erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/06/06/erste-laufzeitfonds-hochzins-2029-III</loc><lastmod>2024-08-29T15:33:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/06/06/erste-laufzeitfonds-hochzins-2029-III"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/06/13/engagement-report-2023</loc><lastmod>2024-06-12T09:25:37+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/06/13/engagement-report-2023"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/08/13/rekord-halbjahr</loc><lastmod>2024-09-02T11:04:41+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2024/08/13/record-first-half-in-the-bag"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/08/13/rekord-halbjahr"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/09/09/erste-laufzeitfonds-hochzins-2029-IV</loc><lastmod>2025-05-08T15:28:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/09/09/erste-laufzeitfonds-hochzins-2029-IV"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/09/16/erste-asset-management-erwirbt-100-prozent-der-anteile-an-der-impact-asset-management</loc><lastmod>2024-09-20T13:48:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/09/16/erste-asset-management-erwirbt-100-prozent-der-anteile-an-der-impact-asset-management"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/10/21/erste-laufzeitfonds-kmu-2029</loc><lastmod>2025-05-08T15:29:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/10/21/erste-laufzeitfonds-kmu-2029"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/10/24/erste-fondskonzept-24-2</loc><lastmod>2026-02-19T08:38:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/10/24/erste-fondskonzept-24-2"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/11/13/walter-hatak-in-fng-vorstand-gewaehlt</loc><lastmod>2024-11-14T09:15:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/11/13/walter-hatak-in-fng-vorstand-gewaehlt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/11/28/fng-siegel-2025</loc><lastmod>2024-11-28T15:02:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/11/28/fng-siegel-2025"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/12/02/chancen-auf-solide-ertraege-auch-2025-intakt</loc><lastmod>2024-12-09T08:56:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/12/02/chancen-auf-solide-ertraege-auch-2025-intakt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/12/19/erste-asset-management-erhaelt-top-ratings-bei-weltweit-groesstem-nachhaltigkeitsreporting</loc><lastmod>2024-12-20T09:09:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2024/12/19/erste-asset-management-erhaelt-top-ratings-bei-weltweit-groesstem-nachhaltigkeitsreporting"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/01/14/erste-asset-management-startet-mit-zwei-anleihen-laufzeitfonds-durch</loc><lastmod>2026-01-22T09:05:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/01/14/erste-asset-management-startet-mit-zwei-anleihen-laufzeitfonds-durch"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/01/27/private-equity-dachfonds-schliesst-mit-einem-fondsvolumen-von-mehr-als-90-milliarden-euro</loc><lastmod>2026-01-20T09:20:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/01/27/private-equity-dachfonds-schliesst-mit-einem-fondsvolumen-von-mehr-als-90-milliarden-euro"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/05/05/spuerkeess-und-erste-asset-management-verkuenden-strategische-partnerschaft</loc><lastmod>2026-01-20T09:48:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/05/05/spuerkeess-and-erste-asset-management-join-forces-to-promote-sustainable-financial-solutions-in-luxembourg"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/05/05/spuerkeess-und-erste-asset-management-verkuenden-strategische-partnerschaft"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/05/13/magdalena-ujwary-neu-in-der-geschaeftsfuehrung-der-impact-asset-management</loc><lastmod>2026-01-20T10:09:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/05/13/magdalena-ujwary-neu-in-der-geschaeftsfuehrung-der-impact-asset-management"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/05/12/anleihen-laufzeitfonds</loc><lastmod>2026-01-22T09:06:20+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/05/12/anleihen-laufzeitfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/06/05/engagement-und-voting-erste-asset-management-zeigt-die-positiven-auswirkungen-des-verantwortungsvollen-investierens</loc><lastmod>2026-01-21T09:52:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/06/05/engagement-voting"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/06/05/engagement-und-voting-erste-asset-management-zeigt-die-positiven-auswirkungen-des-verantwortungsvollen-investierens"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/06/06/intercapital-asset-management</loc><lastmod>2026-01-21T09:53:18+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/06/06/intercapital-asset-management"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/06/06/intercapital-asset-management"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/06/20/anleihen-laufzeitfonds</loc><lastmod>2026-01-22T09:06:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/06/20/anleihen-laufzeitfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/07/08/solide-performance-in-unsicheren-zeiten</loc><lastmod>2026-01-21T10:00:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/07/08/solid-performance-in-uncertain-times"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/07/08/solide-performance-in-unsicheren-zeiten"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/12/10/fng-siegel-25-fonds-der-eam-ausgezeichnet</loc><lastmod>2026-01-21T16:00:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/12/10/fng-label"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/12/10/fng-siegel-25-fonds-der-eam-ausgezeichnet"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/12/16/strategische-partnerschaft-partners-group</loc><lastmod>2026-01-21T10:03:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/presseaussendungen/2025/12/16/strategic-partnership-partners-group"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/12/16/strategische-partnerschaft-partners-group"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/04/02/anleihen-laufzeitfonds</loc><lastmod>2026-01-22T09:10:26+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/04/02/anleihen-laufzeitfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/09/15/anleihen-laufzeitfonds</loc><lastmod>2026-01-26T08:33:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/09/15/anleihen-laufzeitfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/11/11/anleihen-laufzeitfonds</loc><lastmod>2026-02-09T10:43:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2025/11/11/anleihen-laufzeitfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2026/01/14/anleihen-laufzeitfonds</loc><lastmod>2026-02-25T11:01:25+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2026/01/14/anleihen-laufzeitfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2026/03/23/anleihen-laufzeitfonds</loc><lastmod>2026-03-25T13:28:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/presseaussendungen/2026/03/23/anleihen-laufzeitfonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/28/flaggschiff-fonds-der-erste-asset-management-am-sieger-podest-beim-oesterreichischen-dachfonds-award-2016</loc><lastmod>2024-08-29T09:12:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/28/flaggschiff-fonds-der-erste-asset-management-am-sieger-podest-beim-oesterreichischen-dachfonds-award-2016"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/24/9-verschiedene-erste-am-fonds-mit-fng-siegel-ausgezeichnet</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/24/9-verschiedene-erste-am-fonds-mit-fng-siegel-ausgezeichnet"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/10/10-jahre-kooperation-erste-sparinvest-mit-wwf-oesterreich</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/10/10-jahre-kooperation-erste-sparinvest-mit-wwf-oesterreich"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/04/pariser-klimavertraege-treten-offiziell-in-kraft</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/04/pariser-klimavertraege-treten-offiziell-in-kraft"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/03/ringturm-wird-zu-erste-asset-management</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/11/03/ringturm-wird-zu-erste-asset-management"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/09/09/preisaussetzung-espa-stock-instanbul</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/09/09/preisaussetzung-espa-stock-instanbul"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/09/07/zentral-und-osteuropa-steht-bereit-zum-comeback</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/09/07/zentral-und-osteuropa-steht-bereit-zum-comeback"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/08/11/eam-unterstuetzt-wwf-naturschutzprogramm-in-suedostasien</loc><lastmod>2023-10-02T14:55:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/08/11/eam-unterstuetzt-wwf-naturschutzprogramm-in-suedostasien"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/07/04/eam-fussball-die-staerke-einer-mannschaft-definiert-sich-ueber-die-ersatzbank</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/07/04/eam-fussball-die-staerke-einer-mannschaft-definiert-sich-ueber-die-ersatzbank"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/07/01/preisaussetzung-espa-stock-instanbul</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2016/07/01/preisaussetzung-espa-stock-instanbul"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/04/03/weltfondstag-2018</loc><lastmod>2024-08-26T15:09:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/04/03/weltfondstag-2018"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/04/16/ERSTE-FIXED-INCOME-PLUS</loc><lastmod>2026-02-18T10:57:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/04/16/ERSTE-FIXED-INCOME-PLUS"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/04/17/Tiroleffekt</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/04/17/Tiroleffekt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/06/06/erste-ethik-aktien-global</loc><lastmod>2019-12-10T12:05:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/06/06/erste-ethik-aktien-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/06/13/preisaussetzung-espa-stock-istanbul-</loc><lastmod>2019-12-10T12:05:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/06/13/preisaussetzung-espa-stock-istanbul-"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/06/24/espa-select-bond-dynamic</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/06/24/espa-select-bond-dynamic"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/07/18/Tiroleffekt</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/07/18/Tiroleffekt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/08/20/espa-stock-istanbul---kurban-feiertage-boerse-geschlossen</loc><lastmod>2019-12-10T12:05:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/08/20/espa-stock-istanbul---kurban-feiertage-boerse-geschlossen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/10/01/neue-anlage-strategie-fuer-den-rt-active-global-trend</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/10/01/neue-anlage-strategie-fuer-den-rt-active-global-trend"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/11/15/5-jahre-you-invest</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/11/15/5-jahre-you-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/11/21/12-jahre-kooperation-mit-wwf</loc><lastmod>2023-10-02T15:01:12+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2018/11/21/12-jahre-kooperation-mit-wwf"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/02/14/rt-active-global-trend-entwicklung-und-einschaetzung</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/02/14/rt-active-global-trend-entwicklung-und-einschaetzung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/02/13/nachhaltige-rendite-alternatives-factsheet</loc><lastmod>2021-09-16T08:56:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/02/13/nachhaltige-rendite-alternatives-factsheet"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/03/10/ablauf-espa-bond-orient-express</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/03/10/ablauf-espa-bond-orient-express"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/03/10-1/ablauf-espa-corporate-plus-basket-2017</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/03/10-1/ablauf-espa-corporate-plus-basket-2017"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/03/20/earth-hour-25-marz-2017-klimaschutz</loc><lastmod>2024-08-29T09:25:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/03/20/earth-hour-25-marz-2017-klimaschutz"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/03/31/weltfondstag-19-april-2017</loc><lastmod>2024-08-26T15:12:28+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/03/31/weltfondstag-19-april-2017"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/06/22/preisaussetzung-espa-stock-instanbul</loc><lastmod>2021-09-17T12:50:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/06/22/preisaussetzung-espa-stock-instanbul"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/07/24/zehn-jahre-erste-bond-emerging-markets</loc><lastmod>2024-08-29T09:28:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/07/24/zehn-jahre-erste-bond-emerging-markets"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/07/17/170717</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/07/17/170717"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/08/22/170822</loc><lastmod>2019-12-10T12:06:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/08/22/170822"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/08/01/170801</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/08/01/170801"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/09/01/190901</loc><lastmod>2019-12-10T12:07:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2017/09/01/190901"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/02/06/tiroleffekt-feiert-30-jaehriges-jubilaeum</loc><lastmod>2023-11-23T13:11:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/02/06/tiroleffekt-feiert-30-jaehriges-jubilaeum"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/04/12/weltfondstag-2019</loc><lastmod>2024-08-26T15:11:25+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/04/12/weltfondstag-2019"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/05/13/erste-bond-china</loc><lastmod>2025-09-26T08:21:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/05/13/erste-bond-china"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/06/06/new-you-invest-advanced</loc><lastmod>2025-09-26T08:21:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/06/06/new-you-invest-advanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/09/05/erste-futureinvest</loc><lastmod>2025-09-26T08:20:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/09/05/erste-futureinvest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/09/16/kundeninfo-fondsaenderungen-gebuehren-namen</loc><lastmod>2023-11-29T11:21:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/09/16/kundeninfo-fondsaenderungen-gebuehren-namen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/10/01/neuausrichtung-premiumplus</loc><lastmod>2023-11-23T13:10:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/10/01/neuausrichtung-premiumplus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/11/21/dachfonds-award-oesterreich-2019</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2019/11/21/dachfonds-award-austria-2019"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2019/11/21/dachfonds-award-oesterreich-2019"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/07/01/erste-green-invest</loc><lastmod>2024-05-23T14:04:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/07/01/erste-green-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/10/12/update-tiroleffekt</loc><lastmod>2023-11-29T11:20:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/10/12/update-tiroleffekt"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/10/20/gewinn-messe-2020</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/10/20/gewinn-messe-2020"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/11/27/dachfonds-award-2020</loc><lastmod>2024-03-11T12:49:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/11/27/dachfonds-award-2020"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/11/27/core-fonds</loc><lastmod>2024-02-27T14:51:44+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2020/11/27/core-fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2021/04/29/erste-asset-management-erneut-als-leitbetrieb-ausgezeichnet</loc><lastmod>2023-01-11T14:45:00+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2021/04/29/erste-asset-management-erneut-als-leitbetrieb-ausgezeichnet"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/14/erste-bond-danubia-zusatzinformation</loc><lastmod>2023-01-11T14:44:18+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/14/erste-bond-danubia-zusatzinformation"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/17/erste-bond-danubia-update-zum-fonds-per-17032022</loc><lastmod>2023-01-11T14:43:57+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/17/erste-bond-danubia-update-zum-fonds-per-17032022"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/22/aktuelle-informationen-erste-stock-russia</loc><lastmod>2023-01-11T14:43:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/22/aktuelle-informationen-erste-stock-russia"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/22/aktuelle-informationen-zum-erste-stock-europe-emerging</loc><lastmod>2023-01-11T14:43:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/22/aktuelle-informationen-zum-erste-stock-europe-emerging"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/25/rt-active-global-trend</loc><lastmod>2024-02-27T14:36:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/03/25/rt-active-global-trend"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/04/01/you-invest-zusatzinformation-ausschuettung</loc><lastmod>2024-02-27T14:50:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/04/01/you-invest-zusatzinformation-ausschuettung"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/04/11/update-erste-bond-danubia-per-11042022</loc><lastmod>2023-01-11T14:41:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/04/11/update-erste-bond-danubia-per-11042022"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/05/30/fortschrittsbericht-green-consumption-pledge</loc><lastmod>2023-01-11T14:40:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2022/05/30/green-consumption-pledge-progress-report"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/05/30/fortschrittsbericht-green-consumption-pledge"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/06/27/you-invest-fonds-werden-umbenannt-und-nachhaltig</loc><lastmod>2023-12-13T15:26:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/06/27/you-invest-fonds-werden-umbenannt-und-nachhaltig"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/09/05/you-invest-portfolio-fonds-werden-auch-gruen</loc><lastmod>2023-01-11T09:55:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/09/05/you-invest-portfolio-fonds-werden-auch-gruen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/10/05/erste-reserve-corporate</loc><lastmod>2022-10-04T15:14:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/10/05/erste-reserve-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/11/21/neuausrichtung-erste-real-estate</loc><lastmod>2023-01-11T09:53:01+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/11/21/neuausrichtung-erste-real-estate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/11/24/oesterreichischer-dachfonds-award-2022</loc><lastmod>2023-01-11T09:52:34+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2022/11/24/oesterreichischer-dachfonds-award-2022"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/01/25/erste-am-senior-professional-fondsmanager-clemens-klein-unter-den-10-besten-fondsmanagern-der-dach-region</loc><lastmod>2023-01-25T14:03:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/01/25/erste-am-senior-professional-fondsmanager-clemens-klein-unter-den-10-besten-fondsmanagern-der-dach-region"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/02/10/verheerendes-erdbeben-in-der-tuerkei-und-die-moeglichen-auswirkungen</loc><lastmod>2023-02-27T08:40:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/02/10/verheerendes-erdbeben-in-der-tuerkei-und-die-moeglichen-auswirkungen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/04/27/erste-am-euro-fundawards-2023</loc><lastmod>2023-04-27T13:10:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/04/27/erste-am-euro-fundawards-2023"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/08/21/fortschrittsbericht-green-consumption-pledge</loc><lastmod>2024-02-27T15:23:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/08/21/fortschrittsbericht-green-consumption-pledge"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/10/19/die-rueckkehr-der-zinsen</loc><lastmod>2024-05-06T07:57:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2023/10/19/die-rueckkehr-der-zinsen"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-corporate-plus</loc><lastmod>2024-08-29T14:01:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-corporate-plus"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-corporate-plus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-em-global</loc><lastmod>2024-08-29T13:59:26+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-em-global"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-em-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-best-of-world</loc><lastmod>2024-08-29T13:57:38+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-best-of-world"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-best-of-world"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-real-assets</loc><lastmod>2024-08-29T13:56:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-real-assets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-real-assets"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-core-dynamic</loc><lastmod>2024-08-29T13:54:56+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-core-dynamic"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-core-dynamic"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-fixed-income-plus</loc><lastmod>2024-08-29T13:53:29+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-fixed-income-plus"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-fixed-income-plus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-advanced</loc><lastmod>2024-08-29T13:52:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-advanced"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-advanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-danubia</loc><lastmod>2024-08-29T13:50:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-danubia"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-danubia"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-wwf-stock-environment</loc><lastmod>2024-08-29T13:48:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-wwf-stock-environment"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-balanced</loc><lastmod>2024-08-29T13:46:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-balanced"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-balanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-fair-invest</loc><lastmod>2024-09-02T11:09:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-fair-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-fair-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-green-invest</loc><lastmod>2024-08-29T13:41:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-green-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-green-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-progressive</loc><lastmod>2024-08-29T13:38:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-progressive"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-progressive"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-microfinance</loc><lastmod>2024-08-29T13:36:29+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-microfinance"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-microfinance"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-em-government</loc><lastmod>2024-08-29T13:34:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-em-government"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-em-government"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-combirent</loc><lastmod>2024-09-02T09:18:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-combirent"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-combirent"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-stock-dividend</loc><lastmod>2024-08-29T13:31:10+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-stock-dividend"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-stock-dividend"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-future-invest</loc><lastmod>2024-08-29T13:28:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-future-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-future-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-reserve-corporate</loc><lastmod>2024-08-29T13:24:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-reserve-corporate"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-reserve-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-select-bond</loc><lastmod>2024-08-29T13:21:26+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-select-bond"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-select-bond"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-active</loc><lastmod>2024-08-29T13:19:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-you-invest-green-active"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-you-invest-green-active"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-global-income</loc><lastmod>2024-08-29T13:18:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-global-income"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-global-income"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-corporate-bb</loc><lastmod>2024-08-29T13:16:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-corporate-bb"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-corporate-bb"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-euro-corporate</loc><lastmod>2024-08-29T13:15:01+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-euro-corporate"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-euro-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-equity-research</loc><lastmod>2024-08-29T13:13:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-equity-research"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-equity-research"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-em-corporate</loc><lastmod>2024-08-29T13:09:03+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-bond-em-corporate"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-bond-em-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-vienna</loc><lastmod>2024-08-29T13:07:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-vienna"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-vienna"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-bond-global-high-yield</loc><lastmod>2024-08-29T13:05:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-bond-global-high-yield"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-bond-global-high-yield"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-select-bond-dynamic</loc><lastmod>2024-08-29T13:03:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-select-bond-dynamic"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-select-bond-dynamic"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-techno</loc><lastmod>2024-08-29T11:55:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-techno"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-techno"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-bond-muendel</loc><lastmod>2024-08-29T11:52:36+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-bond-muendel"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-biotec</loc><lastmod>2024-08-29T13:11:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-biotec"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-biotec"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-green-invest-mix</loc><lastmod>2024-08-29T13:10:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-green-invest-mix"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-core-balanced</loc><lastmod>2024-08-29T13:10:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-core-balanced"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-core-balanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-stock-global</loc><lastmod>2024-08-29T13:10:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-responsible-stock-global"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-responsible-stock-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-global</loc><lastmod>2024-08-29T13:10:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/07/01/funds-exclusive-erste-stock-global"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/07/01/fonds-exklusiv-erste-stock-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/12/20/intercapital-asset-management</loc><lastmod>2024-12-20T07:56:34+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/12/20/intercapital-asset-management"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/12/20/intercapital-asset-management"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/12/20/reico</loc><lastmod>2025-09-12T08:21:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2024/12/20/reico"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2024/12/20/reico"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-green-invest-mix</loc><lastmod>2025-01-03T09:08:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-real-assets</loc><lastmod>2025-08-22T09:17:22+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-real-assets"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-best-of-world</loc><lastmod>2025-01-07T07:07:06+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-best-of-world"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-corporate-plus</loc><lastmod>2025-01-09T10:21:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-corporate-plus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-biotec</loc><lastmod>2025-08-18T12:28:26+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-biotec"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-you-invest-green-progressive</loc><lastmod>2025-01-07T07:06:44+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-you-invest-green-progressive"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-future-invest</loc><lastmod>2025-08-22T09:18:20+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-future-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-wwf-stock-environment</loc><lastmod>2025-01-03T09:07:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-danubia</loc><lastmod>2025-01-03T09:08:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-danubia"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-core-balanced</loc><lastmod>2025-01-07T07:06:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-core-balanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-opportunities-mix</loc><lastmod>2025-01-07T07:07:17+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-global-income</loc><lastmod>2025-01-07T07:07:13+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-global-income"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-bond-muendel</loc><lastmod>2025-01-07T07:06:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-bond-muendel"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-select-bond</loc><lastmod>2025-01-07T07:06:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-select-bond"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-global</loc><lastmod>2025-08-18T12:25:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-you-invest-green-advanced</loc><lastmod>2025-01-07T07:06:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-you-invest-green-advanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-bond-global-high-yield</loc><lastmod>2025-08-18T12:30:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-bond-global-high-yield"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-stock-global</loc><lastmod>2025-01-03T09:08:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-stock-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-equity-research</loc><lastmod>2025-01-03T09:08:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-equity-research"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-core-dynamic</loc><lastmod>2025-01-07T07:06:57+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-core-dynamic"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-select-bond-dynamic</loc><lastmod>2025-01-07T07:07:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-select-bond-dynamic"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-em-global</loc><lastmod>2025-01-07T07:07:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-em-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-stock-dividend</loc><lastmod>2025-01-07T07:07:10+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-stock-dividend"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-you-invest-green-balanced</loc><lastmod>2025-01-07T07:06:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-you-invest-green-balanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-em-corporate</loc><lastmod>2025-08-18T12:29:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-em-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-techno</loc><lastmod>2025-08-18T12:55:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-techno"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-vienna</loc><lastmod>2025-01-03T09:08:32+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-stock-vienna"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-corporate-bb</loc><lastmod>2025-01-09T10:21:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-corporate-bb"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-combirent</loc><lastmod>2025-01-07T07:06:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-combirent"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-fair-invest</loc><lastmod>2025-01-03T09:08:08+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-fair-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-microfinance</loc><lastmod>2025-01-07T07:06:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-microfinance"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-reserve-corporate</loc><lastmod>2025-01-07T07:06:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-reserve-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-fixed-income-plus</loc><lastmod>2025-01-07T07:06:47+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-fixed-income-plus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-green-invest</loc><lastmod>2025-01-03T09:07:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-green-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-euro-corporate</loc><lastmod>2025-01-07T07:06:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-euro-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-you-invest-green-active</loc><lastmod>2025-01-07T07:07:15+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-you-invest-green-active"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-em-government</loc><lastmod>2025-01-03T09:08:33+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-bond-em-government"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-stock-america</loc><lastmod>2025-01-03T09:08:50+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/01/03/funds-check-erste-responsible-stock-america"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/01/03/fonds-check-erste-responsible-stock-america"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/04/29/fonds-check-erste-wwf-stock-environment</loc><lastmod>2025-05-07T15:25:08+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/04/29/fonds-check-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/04/29/fonds-check-erste-green-invest</loc><lastmod>2025-05-07T15:25:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/04/29/fonds-check-erste-green-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/05/09/fonds-check-erste-green-invest-mix</loc><lastmod>2025-05-09T11:02:04+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/05/09/fonds-check-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-bond-muendel</loc><lastmod>2025-07-10T11:16:08+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-bond-muendel"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-select-bond-dynamic</loc><lastmod>2025-07-10T11:15:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-select-bond-dynamic"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-fixed-income-plus</loc><lastmod>2025-07-10T11:15:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-fixed-income-plus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-reserve-corporate</loc><lastmod>2025-07-10T11:14:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-reserve-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-best-of-world</loc><lastmod>2025-07-10T11:14:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-best-of-world"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-green-invest-mix</loc><lastmod>2025-07-10T11:13:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-global</loc><lastmod>2025-07-10T11:13:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-corporate-plus</loc><lastmod>2025-08-18T12:46:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-corporate-plus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-euro-corporate</loc><lastmod>2025-07-10T11:12:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-euro-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-future-invest</loc><lastmod>2025-07-10T11:11:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-future-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-global-income</loc><lastmod>2025-08-18T12:47:28+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-global-income"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-combirent</loc><lastmod>2025-07-10T11:11:05+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-combirent"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-you-invest-flexible-progressive</loc><lastmod>2025-07-10T11:10:39+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-you-invest-flexible-progressive"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-bond-global-impact</loc><lastmod>2025-07-10T11:10:14+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-bond-global-impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-bond-global-impact"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-green-invest</loc><lastmod>2025-07-10T11:09:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-green-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-select-bond</loc><lastmod>2025-07-10T11:09:23+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-select-bond"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-techno</loc><lastmod>2025-07-10T11:08:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-techno"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-wwf-stock-environment</loc><lastmod>2025-07-10T11:08:31+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-core-dynamic</loc><lastmod>2025-08-18T12:48:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-core-dynamic"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-fair-invest</loc><lastmod>2025-07-10T11:06:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-fair-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-microfinance</loc><lastmod>2025-07-10T12:44:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-microfinance"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-em-global</loc><lastmod>2025-07-10T11:05:11+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-em-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-equity-research</loc><lastmod>2025-07-10T11:04:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-equity-research"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-danubia</loc><lastmod>2025-07-10T11:04:17+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-danubia"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-real-assets</loc><lastmod>2025-08-18T12:49:34+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-real-assets"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-core-balanced</loc><lastmod>2025-08-18T12:48:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-core-balanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-em-corporate</loc><lastmod>2025-07-10T11:02:55+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-em-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-stock-dividend</loc><lastmod>2025-07-10T11:02:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-stock-dividend"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-stock-global</loc><lastmod>2025-07-10T11:02:00+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-stock-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-you-invest-flexible-balanced</loc><lastmod>2025-07-10T11:01:33+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-you-invest-flexible-balanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-you-invest-flexible-active</loc><lastmod>2025-07-10T11:01:08+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-you-invest-flexible-active"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-corporate-bb</loc><lastmod>2025-07-10T11:00:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-corporate-bb"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-stock-america</loc><lastmod>2025-07-10T11:00:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-responsible-stock-america"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-stock-america"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-opportunities-mix</loc><lastmod>2025-07-10T10:59:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-quality</loc><lastmod>2025-07-10T10:59:19+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-stock-quality"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-stock-quality"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-bond-global-high-yield</loc><lastmod>2025-07-10T10:58:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-responsible-bond-global-high-yield"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-dollar-corporate</loc><lastmod>2025-07-10T09:56:02+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/07/10/funds-check-erste-bond-dollar-corporate"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/07/10/fonds-check-erste-bond-dollar-corporate"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/08/01/erste-security-invest</loc><lastmod>2025-09-04T13:55:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/08/01/erste-security-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/08/07/erste-security-invest</loc><lastmod>2025-09-02T13:59:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/08/07/erste-security-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/12/16/rendite-radar</loc><lastmod>2025-12-17T11:42:00+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2025/12/16/yield-radar"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2025/12/16/rendite-radar"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-green-invest-mix</loc><lastmod>2026-01-02T11:11:37+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-green-invest-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-future-invest</loc><lastmod>2025-12-23T08:35:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-future-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-you-invest-flexible-balanced</loc><lastmod>2026-01-02T11:11:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-you-invest-flexible-balanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-you-invest-flexible-active</loc><lastmod>2026-01-02T11:11:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-you-invest-flexible-active"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-stock-techno</loc><lastmod>2026-01-02T11:11:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-stock-techno"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-opportunities-mix</loc><lastmod>2026-01-02T11:11:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-opportunities-mix"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-security-invest</loc><lastmod>2026-01-02T11:11:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-security-invest"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-security-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-you-invest-flexible-progressive</loc><lastmod>2026-01-02T11:11:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-you-invest-flexible-progressive"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-bond-corporate-bb</loc><lastmod>2025-12-23T08:35:11+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-bond-corporate-bb"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-bond-corporate-plus</loc><lastmod>2026-01-26T08:36:09+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-bond-corporate-plus"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-core-balanced</loc><lastmod>2026-01-02T11:11:49+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-core-balanced"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-stock-quality</loc><lastmod>2026-01-02T11:11:51+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-stock-quality"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-stock-quality"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-core-dynamic</loc><lastmod>2026-01-12T08:53:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-core-dynamic"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-real-assets</loc><lastmod>2026-01-02T11:11:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-real-assets"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-best-of-world</loc><lastmod>2026-01-02T11:11:55+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-best-of-world"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-green-invest</loc><lastmod>2026-01-02T11:11:57+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-green-invest"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-responsible-stock-global</loc><lastmod>2026-01-02T11:11:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-responsible-stock-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-responsible-stock-dividend</loc><lastmod>2026-01-02T11:11:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-responsible-stock-dividend"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-stock-global</loc><lastmod>2026-01-02T11:12:01+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-stock-global"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-responsible-bond-global-impact</loc><lastmod>2026-01-02T11:12:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-responsible-bond-global-impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-responsible-bond-global-impact"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-global-income</loc><lastmod>2026-01-02T11:12:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-global-income"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-wwf-stock-environment</loc><lastmod>2026-01-02T11:12:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-wwf-stock-environment"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-equity-research</loc><lastmod>2026-01-02T11:12:06+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/erste-am-news/2026/01/05/funds-check-erste-equity-research"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/erste-am-news/2026/01/05/fonds-check-erste-equity-research"/></url><url><loc>https://www.erste-am.at/de/private-anleger/presse/press-archive</loc><lastmod>2026-03-02T09:02:46+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/press/press-archive"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/presse/press-archive"/></url><url><loc>https://www.erste-am.at/de/private-anleger/ansprechpartner-private-anleger</loc><lastmod>2025-06-23T15:49:08+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/contact-persons-private-investors"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/ansprechpartner-private-anleger"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/allstars-balanced/AT0000810643</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/allstars-balanced/AT0000810643"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/allstars-balanced/AT0000810643"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/allstars-conservative/AT0000615836</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/allstars-conservative/AT0000615836"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/allstars-conservative/AT0000615836"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/allstars-multi-asset/AT0000618731</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/allstars-multi-asset/AT0000618731"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/allstars-multi-asset/AT0000618731"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/allstars-opportunities/AT0000810650</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/allstars-opportunities/AT0000810650"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/allstars-opportunities/AT0000810650"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/avantgarde-global-bond-fonds/AT0000744222</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/avantgarde-global-bond-fonds/AT0000744222"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/avantgarde-global-bond-fonds/AT0000744222"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/avantgarde-global-equity-fonds/AT0000744206</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/avantgarde-global-equity-fonds/AT0000744206"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/avantgarde-global-equity-fonds/AT0000744206"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/avantgarde-klassik/AT0000619556</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/avantgarde-klassik/AT0000619556"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/avantgarde-klassik/AT0000619556"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/constantia-multi-invest-5/AT0000A0J7U8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/constantia-multi-invest-5/AT0000A0J7U8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/constantia-multi-invest-5/AT0000A0J7U8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/core-balanced/AT0000828603</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-balanced/AT0000828603"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-balanced/AT0000828603"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/core-dynamic/AT0000828629</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-dynamic/AT0000828629"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-dynamic/AT0000828629"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/core-equities/AT0000A2GK86</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-equities/AT0000A2GK86"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-equities/AT0000A2GK86"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/core-equities-europe/AT0000697065</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-equities-europe/AT0000697065"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-equities-europe/AT0000697065"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/core-equities-usa/AT0000697081</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/core-equities-usa/AT0000697081"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/core-equities-usa/AT0000697081"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/delphin-trend-global/AT0000A09UQ0</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/delphin-trend-global/AT0000A09UQ0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/delphin-trend-global/AT0000A09UQ0"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-alternative-equity/AT0000A0SEC0</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-alternative-equity/AT0000A0SEC0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-alternative-equity/AT0000A0SEC0"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-alternative-trend/AT0000A0SE82</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-alternative-trend/AT0000A0SE82"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-alternative-trend/AT0000A0SE82"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-china/AT0000A27ZR9</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-china/AT0000A27ZR9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-china/AT0000A27ZR9"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-combirent/AT0000858022</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-combirent/AT0000858022"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-combirent/AT0000858022"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-corporate-bb/AT0000A09HC7</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-corporate-bb/AT0000A09HC7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-corporate-bb/AT0000A09HC7"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-corporate-plus/AT0000A1PKM0</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-corporate-plus/AT0000A1PKM0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-corporate-plus/AT0000A1PKM0"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-danubia/AT0000831409</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-danubia/AT0000831409"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-danubia/AT0000831409"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar/AT0000817523</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar/AT0000817523"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar/AT0000817523"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar/AT0000858360</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar/AT0000858360"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar/AT0000858360"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar-corporate/AT0000721543</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar-corporate/AT0000721543"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar-corporate/AT0000721543"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar-corporate/AT0000724257</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-dollar-corporate/AT0000724257"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-dollar-corporate/AT0000724257"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate/AT0000A05HQ5</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate/AT0000A05HQ5"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate/AT0000A05HQ5"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate-ig/AT0000A0WJX7</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate-ig/AT0000A0WJX7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate-ig/AT0000A0WJX7"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate-ig-eur/AT0000A0WK05</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-em-corporate-ig-eur/AT0000A0WK05"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-corporate-ig-eur/AT0000A0WK05"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-government/AT0000842521</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-em-government/AT0000842521"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-em-government/AT0000842521"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-euro-corporate/AT0000724216</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-euro-corporate/AT0000724216"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-euro-corporate/AT0000724216"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-europe-high-yield/AT0000805676</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-europe-high-yield/AT0000805676"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-europe-high-yield/AT0000805676"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-inflation-linked/AT0000619887</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-inflation-linked/AT0000619887"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-inflation-linked/AT0000619887"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-international/AT0000858048</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-international/AT0000858048"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-international/AT0000858048"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-usa-corporate/AT0000675764</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-usa-corporate/AT0000675764"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-usa-corporate/AT0000675764"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-bond-usa-high-yield/AT0000637483</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-bond-usa-high-yield/AT0000637483"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-bond-usa-high-yield/AT0000637483"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-d-a-ch-fonds/AT0000A0RMH4</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-d-a-ch-fonds/AT0000A0RMH4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-d-a-ch-fonds/AT0000A0RMH4"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-digital-assets/AT0000A3S420</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-digital-assets/AT0000A3S420"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-digital-assets/AT0000A3S420"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-equity-research/AT0000A09VB0</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-equity-research/AT0000A09VB0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-equity-research/AT0000A09VB0"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-ethik-aktien-global/AT0000A21B13</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-ethik-aktien-global/AT0000A21B13"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-ethik-aktien-global/AT0000A21B13"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-ethik-anleihen/AT0000802509</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-ethik-anleihen/AT0000802509"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-ethik-anleihen/AT0000802509"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-fair-invest/AT0000A2RUC4</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fair-invest/AT0000A2RUC4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fair-invest/AT0000A2RUC4"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-fixed-income-plus/AT0000A20DG4</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fixed-income-plus/AT0000A20DG4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fixed-income-plus/AT0000A20DG4"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-24-1/AT0000A3AFU1</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-24-1/AT0000A3AFU1"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-24-1/AT0000A3AFU1"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-24-2/AT0000A3E7T2</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-24-2/AT0000A3E7T2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-24-2/AT0000A3E7T2"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-26-1/AT0000A3N1X6</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-fondskonzept-26-1/AT0000A3N1X6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-fondskonzept-26-1/AT0000A3N1X6"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-future-invest/AT0000A296D0</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-future-invest/AT0000A296D0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-future-invest/AT0000A296D0"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-global-income/AT0000A1G726</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-global-income/AT0000A1G726"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-global-income/AT0000A1G726"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-green-invest/AT0000A2DY42</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-green-invest/AT0000A2DY42"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-green-invest/AT0000A2DY42"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-green-invest-mix/AT0000A2HVB5</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-green-invest-mix/AT0000A2HVB5"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-green-invest-mix/AT0000A2HVB5"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2028/AT0000A372N8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2028/AT0000A372N8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2028/AT0000A372N8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2028-ii/AT0000A3G8B6</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2028-ii/AT0000A3G8B6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2028-ii/AT0000A3G8B6"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029/AT0000A38KL1</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029/AT0000A38KL1"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029/AT0000A38KL1"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-ii/AT0000A3A337</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-ii/AT0000A3A337"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-ii/AT0000A3A337"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-iii/AT0000A3C804</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-iii/AT0000A3C804"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-iii/AT0000A3C804"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-iv/AT0000A3E719</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2029-iv/AT0000A3E719"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2029-iv/AT0000A3E719"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030/AT0000A3G8D2</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030/AT0000A3G8D2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030/AT0000A3G8D2"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030-ii/AT0000A3HRV9</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030-ii/AT0000A3HRV9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030-ii/AT0000A3HRV9"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030-iii/AT0000A3K8V8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-hochzins-2030-iii/AT0000A3K8V8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-hochzins-2030-iii/AT0000A3K8V8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2028/AT0000A37M04</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2028/AT0000A37M04"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2028/AT0000A37M04"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2029/AT0000A3ET88</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2029/AT0000A3ET88"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2029/AT0000A3ET88"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2030/AT0000A3PAD6</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-kmu-2030/AT0000A3PAD6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-kmu-2030/AT0000A3PAD6"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028/AT0000A320A4</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028/AT0000A320A4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028/AT0000A320A4"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-ii/AT0000A33032</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-ii/AT0000A33032"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-ii/AT0000A33032"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-iii/AT0000A34CM5</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-iii/AT0000A34CM5"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-iii/AT0000A34CM5"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-iv/AT0000A36795</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-iv/AT0000A36795"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-iv/AT0000A36795"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-v/AT0000A3K8T2</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2028-v/AT0000A3K8T2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2028-v/AT0000A3K8T2"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2029/AT0000A3MUH2</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2029/AT0000A3MUH2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2029/AT0000A3MUH2"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2029-ii/AT0000A3P9P3</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2029-ii/AT0000A3P9P3"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2029-ii/AT0000A3P9P3"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2030/AT0000A3QGD1</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-laufzeitfonds-2030/AT0000A3QGD1"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-laufzeitfonds-2030/AT0000A3QGD1"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-mortgage/AT0000700778</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-mortgage/AT0000700778"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-mortgage/AT0000700778"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-opportunities-mix/AT0000A3BMJ8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-opportunities-mix/AT0000A3BMJ8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-opportunities-mix/AT0000A3BMJ8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-portfolio-bond-europe/AT0000858527</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-portfolio-bond-europe/AT0000858527"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-portfolio-bond-europe/AT0000858527"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-real-assets/AT0000A2QAC8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-real-assets/AT0000A2QAC8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-real-assets/AT0000A2QAC8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-corporate/AT0000676838</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-corporate/AT0000676838"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-corporate/AT0000676838"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-dollar/AT0000825187</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-dollar/AT0000825187"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-dollar/AT0000825187"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-dollar/AT0000627211</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-dollar/AT0000627211"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-dollar/AT0000627211"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-euro/AT0000724299</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-euro/AT0000724299"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-euro/AT0000724299"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-euro-plus/AT0000858105</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-reserve-euro-plus/AT0000858105"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-reserve-euro-plus/AT0000858105"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond/AT0000A01G95</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond/AT0000A01G95"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond/AT0000A01G95"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-em-corporate/AT0000A13EF9</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-em-corporate/AT0000A13EF9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-em-corporate/AT0000A13EF9"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-em-local/AT0000A0AUE0</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-em-local/AT0000A0AUE0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-em-local/AT0000A0AUE0"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-euro-corporate/AT0000A0PHH8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-euro-corporate/AT0000A0PHH8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-euro-corporate/AT0000A0PHH8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-global-high-yield/AT0000A2DXZ9</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-global-high-yield/AT0000A2DXZ9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-global-high-yield/AT0000A2DXZ9"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-global-impact/AT0000A1EK48</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-global-impact/AT0000A1EK48"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-global-impact/AT0000A1EK48"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-mundel/AT0000858220</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-bond-mundel/AT0000858220"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-bond-mundel/AT0000858220"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-microfinance/AT0000A0G249</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-microfinance/AT0000A0G249"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-microfinance/AT0000A0G249"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-reserve/AT0000A03951</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-reserve/AT0000A03951"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-reserve/AT0000A03951"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-america/AT0000822812</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-america/AT0000822812"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-america/AT0000822812"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-america/AT0000858584</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-america/AT0000858584"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-america/AT0000858584"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-dividend/AT0000A1QA79</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-dividend/AT0000A1QA79"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-dividend/AT0000A1QA79"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-europe/AT0000645973</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-europe/AT0000645973"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-europe/AT0000645973"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-global/AT0000646799</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-global/AT0000646799"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-global/AT0000646799"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-japan/AT0000639059</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-responsible-stock-japan/AT0000639059"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-responsible-stock-japan/AT0000639059"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-security-invest/AT0000A3MZ31</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-security-invest/AT0000A3MZ31"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-security-invest/AT0000A3MZ31"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-select-bond/AT0000660592</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-select-bond/AT0000660592"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-select-bond/AT0000660592"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-select-bond-dynamic/AT0000A054L6</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-select-bond-dynamic/AT0000A054L6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-select-bond-dynamic/AT0000A054L6"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-biotec/AT0000746748</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-biotec/AT0000746748"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-biotec/AT0000746748"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-commodities/AT0000A01VR3</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-commodities/AT0000A01VR3"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-commodities/AT0000A01VR3"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-em-global/AT0000680962</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-em-global/AT0000680962"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-em-global/AT0000680962"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-europe-emerging/AT0000858428</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-europe-emerging/AT0000858428"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-europe-emerging/AT0000858428"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-gold/AT0000A07HE7</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-gold/AT0000A07HE7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-gold/AT0000A07HE7"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-istanbul/AT0000704333</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-istanbul/AT0000704333"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-istanbul/AT0000704333"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality/AT0000A2HV58</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-quality/AT0000A2HV58"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality/AT0000A2HV58"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality-opportunities/AT0000A381R0</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-quality-opportunities/AT0000A381R0"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality-opportunities/AT0000A381R0"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality-value/AT0000A37UN8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-quality-value/AT0000A37UN8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-quality-value/AT0000A37UN8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-real-estate/AT0000A07YH5</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-real-estate/AT0000A07YH5"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-real-estate/AT0000A07YH5"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-techno/AT0000754262</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-techno/AT0000754262"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-techno/AT0000754262"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-value/AT0000A2STB6</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-value/AT0000A2STB6"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-value/AT0000A2STB6"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-vienna/AT0000858147</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-vienna/AT0000858147"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-vienna/AT0000858147"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-stock-world/AT0000A3P9X7</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-stock-world/AT0000A3P9X7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-stock-world/AT0000A3P9X7"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-target/AT0000A043V8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-target/AT0000A043V8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-target/AT0000A043V8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-total-return-fixed-income/AT0000A23TX9</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-total-return-fixed-income/AT0000A23TX9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-total-return-fixed-income/AT0000A23TX9"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/erste-wwf-stock-environment/AT0000705660</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/erste-wwf-stock-environment/AT0000705660"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/erste-wwf-stock-environment/AT0000705660"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/greenstars-balanced/AT0000A3QD82</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/greenstars-balanced/AT0000A3QD82"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/greenstars-balanced/AT0000A3QD82"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/greenstars-european-equities/AT0000918297</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/greenstars-european-equities/AT0000918297"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/greenstars-european-equities/AT0000918297"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/greenstars-moderate/AT0000729298</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/greenstars-moderate/AT0000729298"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/greenstars-moderate/AT0000729298"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/greenstars-opportunities/AT0000A3PGP7</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/greenstars-opportunities/AT0000A3PGP7"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/greenstars-opportunities/AT0000A3PGP7"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/pb-exclusive-selection/AT0000A3FTT3</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pb-exclusive-selection/AT0000A3FTT3"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pb-exclusive-selection/AT0000A3FTT3"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/pb-exclusive-selection-plus/AT0000A3FU27</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pb-exclusive-selection-plus/AT0000A3FU27"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pb-exclusive-selection-plus/AT0000A3FU27"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/piz-buin-global/AT0000703491</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/piz-buin-global/AT0000703491"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/piz-buin-global/AT0000703491"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/premium-balanced-invest/AT0000A1TVP2</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/premium-balanced-invest/AT0000A1TVP2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/premium-balanced-invest/AT0000A1TVP2"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/premium-dynamic-invest/AT0000723895</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/premium-dynamic-invest/AT0000723895"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/premium-dynamic-invest/AT0000723895"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/premium-stable-invest/AT0000A3FN26</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/premium-stable-invest/AT0000A3FN26"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/premium-stable-invest/AT0000A3FN26"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/private-banking-exklusiv/AT0000A0T6K9</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/private-banking-exklusiv/AT0000A0T6K9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/private-banking-exklusiv/AT0000A0T6K9"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/pro-invest-aktiv/AT0000500350</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pro-invest-aktiv/AT0000500350"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pro-invest-aktiv/AT0000500350"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/pro-invest-care/AT0000A30EP2</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pro-invest-care/AT0000A30EP2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pro-invest-care/AT0000A30EP2"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/pro-invest-plus/AT0000612700</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/pro-invest-plus/AT0000612700"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/pro-invest-plus/AT0000612700"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/rt-active-global-trend/AT0000766373</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-active-global-trend/AT0000766373"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-active-global-trend/AT0000766373"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/rt-optimum-14-fonds/AT0000858923</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-optimum-14-fonds/AT0000858923"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-optimum-14-fonds/AT0000858923"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/rt-osterreich-aktienfonds/AT0000497284</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-osterreich-aktienfonds/AT0000497284"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-osterreich-aktienfonds/AT0000497284"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/rt-pif-dynamisch/AT0000766381</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-pif-dynamisch/AT0000766381"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-pif-dynamisch/AT0000766381"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/rt-pif-traditionell/AT0000766399</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-pif-traditionell/AT0000766399"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-pif-traditionell/AT0000766399"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/rt-vif-versicherung-international-fonds/AT0000858907</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-vif-versicherung-international-fonds/AT0000858907"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-vif-versicherung-international-fonds/AT0000858907"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/rt-zukunftsvorsorge-aktienfonds/AT0000659636</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/rt-zukunftsvorsorge-aktienfonds/AT0000659636"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/rt-zukunftsvorsorge-aktienfonds/AT0000659636"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/salzburger-sparkasse-select-dachfonds/AT0000809280</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/salzburger-sparkasse-select-dachfonds/AT0000809280"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/salzburger-sparkasse-select-dachfonds/AT0000809280"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/swaldviertel-bond/AT0000A011W3</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/swaldviertel-bond/AT0000A011W3"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/swaldviertel-bond/AT0000A011W3"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-strategie-aktiv/AT0000714886</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-aktiv/AT0000714886"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-aktiv/AT0000714886"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-strategie-planer/AT0000A0T671</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-planer/AT0000A0T671"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-planer/AT0000A0T671"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-strategie-starter/AT0000A04LB2</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-starter/AT0000A04LB2"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-starter/AT0000A04LB2"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-strategie-wachstum/AT0000A0T6B8</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-wachstum/AT0000A0T6B8"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-wachstum/AT0000A0T6B8"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-strategie-zukunft/AT0000A0T6F9</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-strategie-zukunft/AT0000A0T6F9"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-strategie-zukunft/AT0000A0T6F9"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-fonds-i-der-stabile-der-steiermarkischen-sparkasse/AT0000819701</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-i-der-stabile-der-steiermarkischen-sparkasse/AT0000819701"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-i-der-stabile-der-steiermarkischen-sparkasse/AT0000819701"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-fonds-ii-der-flexible-der-steiermarkischen-sparkasse/AT0000819743</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-ii-der-flexible-der-steiermarkischen-sparkasse/AT0000819743"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-ii-der-flexible-der-steiermarkischen-sparkasse/AT0000819743"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-fonds-iii-der-aktive-der-steiermarkischen-sparkasse/AT0000819768</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-iii-der-aktive-der-steiermarkischen-sparkasse/AT0000819768"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-iii-der-aktive-der-steiermarkischen-sparkasse/AT0000819768"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-fonds-iv-der-planende-der-steiermarkischen-sparkasse/AT0000703103</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-iv-der-planende-der-steiermarkischen-sparkasse/AT0000703103"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-iv-der-planende-der-steiermarkischen-sparkasse/AT0000703103"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/top-fonds-v-der-offensive-der-steiermarkischen-sparkasse/AT0000703137</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/top-fonds-v-der-offensive-der-steiermarkischen-sparkasse/AT0000703137"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/top-fonds-v-der-offensive-der-steiermarkischen-sparkasse/AT0000703137"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-active/AT0000A11F78</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-active/AT0000A11F78"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-active/AT0000A11F78"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-balanced/AT0000A11FA1</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-balanced/AT0000A11FA1"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-balanced/AT0000A11FA1"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-portfolio-30/AT0000802491</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-portfolio-30/AT0000802491"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-portfolio-30/AT0000802491"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-portfolio-50/AT0000724190</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-portfolio-50/AT0000724190"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-portfolio-50/AT0000724190"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-progressive/AT0000A1GMW4</loc><lastmod>2026-03-27T11:13:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/funds/you-invest-flexible-progressive/AT0000A1GMW4"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds/you-invest-flexible-progressive/AT0000A1GMW4"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds-finder</loc><lastmod>2025-09-26T09:19:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds-finder"/></url><url><loc>https://www.erste-am.at/de/private-anleger/fonds-finder/immobilienauswahl</loc><lastmod>2021-06-24T16:59:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/fonds-finder/immobilienauswahl"/></url><url><loc>https://www.erste-am.at/de/private-anleger/esg-fonds-finder</loc><lastmod>2025-09-26T09:19:41+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/private-investors/esg-fund-finder"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/private-anleger/esg-fonds-finder"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger</loc><lastmod>2025-09-15T08:57:43+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/unsere-fonds</loc><lastmod>2025-11-28T08:09:53+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/our-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unsere-fonds"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/unternehmen/unternehmensprofil</loc><lastmod>2025-09-01T15:59:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/company-profile"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/unternehmensprofil"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/unternehmen/investmentprozess</loc><lastmod>2025-11-05T15:14:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/investment-process"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/investmentprozess"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/unternehmen/institutionelle-kunden</loc><lastmod>2025-09-01T16:16:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/institutional-clients"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/institutionelle-kunden"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/unternehmen/kooperationen</loc><lastmod>2025-11-05T15:15:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/cooperations"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/kooperationen"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/unternehmen/master-kag</loc><lastmod>2025-09-01T16:25:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/master-kag"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/master-kag"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/unternehmen/geschichte</loc><lastmod>2026-01-12T15:13:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/unternehmen/history"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/unternehmen/geschichte"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/strategien</loc><lastmod>2025-11-05T15:02:36+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/strategien/multi-asset-management</loc><lastmod>2025-10-16T09:10:03+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/multi-asset-management"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/multi-asset-management"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/strategien/nachhaltige-investments</loc><lastmod>2025-09-15T09:14:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/responsible-investment"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/nachhaltige-investments"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/strategien/individuelle-investment-loesungen</loc><lastmod>2025-10-02T14:49:06+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/individual-investment-solutions"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/individuelle-investment-loesungen"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/strategien/anleihen</loc><lastmod>2025-09-15T09:13:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/bond-strategies"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/anleihen"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/strategien/aktienmanagement</loc><lastmod>2025-09-15T09:13:40+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/equity-funds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/aktienmanagement"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/strategien/emerging-markets</loc><lastmod>2025-11-05T15:17:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/emerging-markets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/emerging-markets"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/strategien/private-markets</loc><lastmod>2025-11-05T15:18:12+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/strategien/private-markets"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/strategien/private-markets"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit</loc><lastmod>2026-02-20T08:23:31+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/wwf-kooperation</loc><lastmod>2026-03-23T09:26:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/wwf-cooperation"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/wwf-kooperation"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/esg-letter</loc><lastmod>2025-10-27T11:29:26+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/esg-letter"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/esg-letter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/publikationen-und-richtlinien</loc><lastmod>2026-03-19T04:26:23+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/publikationen-und-richtlinien"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/impact</loc><lastmod>2026-02-25T10:35:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/impact"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/impact"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/responsible</loc><lastmod>2026-02-20T08:52:59+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/responsible"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/responsible"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/integration</loc><lastmod>2025-11-05T15:12:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/integration"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/integration"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/esgenius-score</loc><lastmod>2025-11-05T15:12:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/nachhaltigkeit/esgenius-score"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/nachhaltigkeit/esgenius-score"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news</loc><lastmod>2025-11-05T15:06:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/04/15/climate-action-100-plus</loc><lastmod>2025-05-08T14:25:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/04/15/climate-action-100-plus"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/04/15/climate-action-100-plus"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/04/16/eam-nachhaltigkeitskonferenz-2019</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/04/16/eam-nachhaltigkeitskonferenz-2019"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/04/23/boerse-sonntag-emerging-markets-interview</loc><lastmod>2021-09-22T10:37:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/04/23/boerse-sonntag-emerging-markets-interview"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/07/10/marktausblick-2-halbjahr-2019</loc><lastmod>2024-11-04T09:18:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2019/07/10/outlook_second_half_2019"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2019/07/10/marktausblick-2-halbjahr-2019"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2021/04/29/erste-asset-management-erneut-als-leitbetrieb-ausgezeichnet</loc><lastmod>2021-11-25T10:42:30+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2021/04/29/erste-asset-management-erneut-als-leitbetrieb-ausgezeichnet"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2021/12/22/boerse-sonntag-winzer-interview</loc><lastmod>2023-11-16T15:30:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2021/12/22/boerse-sonntag-winzer-interview"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2022/02/04/fondsgesellschaft-erste-asset-management-mit-rekordergebnis-im-jahr-2021</loc><lastmod>2024-08-06T08:18:18+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2022/02/04/fondsgesellschaft-erste-asset-management-mit-rekordergebnis-im-jahr-2021"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/03/15/webinar-fondsmanager-im-dialog</loc><lastmod>2024-09-10T09:15:27+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/03/15/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/06/07/webinar-fondsmanager-im-dialog</loc><lastmod>2024-09-10T09:14:53+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/06/07/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/09/20/webinar-fondsmanager-im-dialog</loc><lastmod>2024-09-10T09:14:21+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/09/20/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/12/06/webinar-fondsmanager-im-dialog</loc><lastmod>2024-09-10T09:13:43+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/12/06/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/12/11/webinar-szenarioanalyse-2024</loc><lastmod>2024-09-10T09:07:59+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2023/12/11/webinar-szenarioanalyse-2024"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/03/20/webinar-fondsmanager-im-dialog</loc><lastmod>2024-09-10T09:13:03+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/03/20/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/06/26/webinar-fondsmanager-im-dialog</loc><lastmod>2024-09-10T09:12:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/06/26/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/09/25/webinar-fondsmanager-im-dialog</loc><lastmod>2024-09-25T11:04:07+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/09/25/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/04/webinar-fondsmanager-im-dialog</loc><lastmod>2024-12-20T11:12:04+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/04/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/12/webinar-szenarioanalyse-2025</loc><lastmod>2024-12-20T11:11:58+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/12/webinar-szenarioanalyse-2025"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/szenarien-fuer-2025</loc><lastmod>2024-12-20T11:29:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/szenarien-fuer-2025"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/strategie-portfolio</loc><lastmod>2024-12-20T11:11:39+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/strategie-portfolio"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/aktien-allokation</loc><lastmod>2024-12-20T11:11:48+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/aktien-allokation"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/einschaetzung-finanzmaerkte</loc><lastmod>2024-12-20T11:11:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/einschaetzung-finanzmaerkte"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/anleihemaerkte</loc><lastmod>2024-12-20T11:34:56+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2024/12/20/anleihemaerkte"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/01/15/em-corporate-bond-newsletter</loc><lastmod>2025-01-16T10:55:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/01/15/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/02/13/em-corporate-bond-newsletter</loc><lastmod>2025-02-13T11:18:43+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/02/13/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/19/em-corporate-bond-newsletter</loc><lastmod>2025-03-27T08:25:05+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/19/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/26/webinar-fondsmanager-im-dialog</loc><lastmod>2025-03-26T10:29:08+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/26/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/strategie-portfolio</loc><lastmod>2025-03-27T14:38:44+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/strategie-portfolio"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/einschaetzung-finanzmaerkte</loc><lastmod>2025-03-27T14:50:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/einschaetzung-finanzmaerkte"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/aktien-allokation</loc><lastmod>2025-03-27T14:39:00+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/aktien-allokation"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/staatsverschuldung</loc><lastmod>2025-03-27T14:59:40+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/staatsverschuldung"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/gesetz-des-dschungels</loc><lastmod>2025-03-27T14:59:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/gesetz-des-dschungels"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/deepseek-und-die-folgen</loc><lastmod>2025-03-27T15:15:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/03/27/deepseek-und-die-folgen"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/04/15/newsletter-umweltstrategien</loc><lastmod>2025-08-18T11:40:44+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/04/15/newsletter-umweltstrategien"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/05/13/em-corporate-bond-newsletter</loc><lastmod>2025-05-13T13:47:16+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/05/13/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/25/webinar-fondsmanager-im-dialog</loc><lastmod>2025-06-25T10:50:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/25/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/einschaetzung-finanzmaerkte</loc><lastmod>2025-06-23T11:01:47+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/outlook"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/einschaetzung-finanzmaerkte"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/europaeische-anleihen</loc><lastmod>2025-06-23T11:01:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/european-bonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/europaeische-anleihen"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/veraenderung-weltordnung</loc><lastmod>2025-06-26T11:39:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/changing-world-order"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/veraenderung-weltordnung"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/qualitaetsaktien</loc><lastmod>2025-06-23T11:01:54+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/quality-shares"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/qualitaetsaktien"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/nachhaltigkeitskonferenz</loc><lastmod>2025-06-23T11:01:58+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/06/23/sustainability-conference"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/23/nachhaltigkeitskonferenz"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/18/em-corporate-bond-newsletter</loc><lastmod>2025-06-18T14:47:04+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/06/18/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/07/16/newsletter-umweltstrategien</loc><lastmod>2025-07-21T08:50:35+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/07/16/newsletter-umweltstrategien"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/07/18/em-corporate-bond-newsletter</loc><lastmod>2025-07-18T13:25:32+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/07/18/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/08/13/em-corporate-bond-newsletter</loc><lastmod>2025-08-13T11:52:23+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/08/13/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/09/24/webinar-fondsmanager-im-dialog</loc><lastmod>2025-09-24T11:23:13+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/09/24/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/09/12/em-corporate-bond-newsletter</loc><lastmod>2026-01-26T08:25:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/09/12/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/15/newsletter-umweltstrategien</loc><lastmod>2025-10-15T14:21:45+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/15/newsletter-umweltstrategien"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/17/em-corporate-bond-newsletter</loc><lastmod>2026-03-23T12:30:52+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/17/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/konvexe-finanzinstrumente</loc><lastmod>2025-10-20T07:51:48+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/convex-financial-instruments"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/konvexe-finanzinstrumente"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/goldmaerkte-im-fokus</loc><lastmod>2025-10-20T07:51:50+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/focus-on-gold"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/goldmaerkte-im-fokus"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/unabhaengigkeit-der-notenbanken</loc><lastmod>2025-10-20T07:51:51+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/independence-of-central-banks"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/unabhaengigkeit-der-notenbanken"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/einschaetzung-finanzmaerkte</loc><lastmod>2025-10-20T07:51:52+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/10/20/outlook"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/10/20/einschaetzung-finanzmaerkte"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/11/13/em-corporate-bond-newsletter</loc><lastmod>2026-01-26T08:29:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/11/13/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/12/10/webinar-fondsmanager-im-dialog</loc><lastmod>2025-12-10T16:29:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/12/10/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/12/04/webinar-szenarioanalyse-2026</loc><lastmod>2025-12-04T11:41:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2025/12/04/webinar-scenario-analysis"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/12/04/webinar-szenarioanalyse-2026"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/12/18/em-corporate-bond-newsletter</loc><lastmod>2026-01-26T08:28:03+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2025/12/18/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/01/14/em-corporate-bond-newsletter</loc><lastmod>2026-01-14T08:51:38+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/01/14/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/01/16/newsletter-umweltstrategien</loc><lastmod>2026-03-03T15:33:22+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/01/16/newsletter-umweltstrategien"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/einschaetzung-finanzmaerkte</loc><lastmod>2026-02-03T08:13:45+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/outlook"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/einschaetzung-finanzmaerkte"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/ende-us-gefuehrten-weltordnung</loc><lastmod>2026-02-03T08:04:28+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/end-us-led-world-order"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/ende-us-gefuehrten-weltordnung"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/anleihen</loc><lastmod>2026-02-09T10:39:24+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/bonds"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/anleihen"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/ki-energie-infrastrukturinvestitionen</loc><lastmod>2026-02-09T10:35:16+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/news/2026/02/02/ai-energy"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/02/ki-energie-infrastrukturinvestitionen"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/16/em-corporate-bond-newsletter</loc><lastmod>2026-02-16T12:57:21+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/02/16/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/03/25/webinar-fondsmanager-im-dialog</loc><lastmod>2026-03-26T08:19:02+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/03/25/webinar-fondsmanager-im-dialog"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/03/20/em-corporate-bond-newsletter</loc><lastmod>2026-03-23T09:05:14+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/news/2026/03/20/em-corporate-bond-newsletter"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/presseaussendungen</loc><lastmod>2025-09-15T08:21:42+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/press-releases"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/presseaussendungen"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/medienkontakte</loc><lastmod>2024-08-21T12:08:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/media-contacts"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/medienkontakte"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/news-press/our-view</loc><lastmod>2026-02-03T08:05:42+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/newsroom/our-view"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/news-press/our-view"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/ansprechpartner-institutionelle-anleger</loc><lastmod>2025-07-14T13:19:31+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/contact-persons-institutional-investors"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/ansprechpartner-institutionelle-anleger"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/anfahrtsplan</loc><lastmod>2024-10-28T08:54:54+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/anfahrtsplan"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/mandatory-publications</loc><lastmod>2025-09-15T09:12:24+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/mandatory-publications"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/mandatory-publications"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/performance-uebersicht</loc><lastmod>2025-09-17T10:04:57+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/performance-overview"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/performance-uebersicht"/></url><url><loc>https://www.erste-am.at/de/institutionelle-anleger/factsheet</loc><lastmod>2026-02-24T15:06:23+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/institutional-investors/factsheet"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/institutionelle-anleger/factsheet"/></url><url><loc>https://www.erste-am.at/de/impressum</loc><lastmod>2026-04-03T11:46:49+02:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/imprint"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/impressum"/></url><url><loc>https://www.erste-am.at/de/faqs</loc><lastmod>2026-01-12T10:39:19+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/faqs"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/faqs"/></url><url><loc>https://www.erste-am.at/de/contact-persons/clients</loc><lastmod>2025-10-20T10:59:53+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/contact-persons/clients"/></url><url><loc>https://www.erste-am.at/de/thenext20years</loc><lastmod>2025-05-13T22:31:46+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/thenext20years"/></url><url><loc>https://www.erste-am.at/de/erste-fondskonzept</loc><lastmod>2026-03-31T15:12:09+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/erste-fondskonzept"/></url><url><loc>https://www.erste-am.at/de/60years</loc><lastmod>2025-11-24T08:24:01+01:00</lastmod><xhtml:link rel="alternate" hreflang="en" href="https://www.erste-am.at/en/60years"/><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/60years"/></url><url><loc>https://www.erste-am.at/de/barrierefreiheitserklaerung</loc><lastmod>2025-07-03T08:28:15+02:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/barrierefreiheitserklaerung"/></url><url><loc>https://www.erste-am.at/de/erste-laufzeitfonds-2030-2</loc><lastmod>2026-03-23T10:42:07+01:00</lastmod><xhtml:link rel="alternate" hreflang="de" href="https://www.erste-am.at/de/erste-laufzeitfonds-2030-2"/></url></urlset>