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Apart from investing in property, people also invest their money not only in durable assets such as a car, but also in financial products. These tend to be bonds (bond funds), equities (equity funds) or other investment products.
The following applies to all of them:
Return, risk and accessibility should be evenly balanced and meet the desires of the investor.
Like all investments, financial investments tend to be of a long-term nature. When you invest in equities, you should allow for an investment horizon of at least 5 to 10 years. When it comes to investment in bonds (bond funds), an investment period of at least 5 years is advisable.
The longer the investment period, the greater the potential benefits in the selected investment class.
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Investing in financial products οΎ– what are the potential returns?
The following graph shows the returns on different financial investments over the past 30 years.
The most profitable form of investment over the long term was equities. However, this class of investment also has the highest level of volatility. Safety-conscious investors prefer euro government bonds. In this case, the invested capital grows slower but steadily.
What opportunities does ERSTE-SPARINVEST offer?
With its wide range of mutual funds, ERSTE-SPARINVEST covers the most important classes of investment. We offer a selection of- Equity funds (worldwide, different countries and sectors)
- Bond funds (euro and international)
- Balanced funds (with different equity shares)
- Near money market funds
- Alternative investments
For each form of investment, you have the option of making deposits either as a one-off payment or through regular savings (= CAPITAL PLAN). One can usually start with just 1 unit in each fund. Part-units are also possible with the CAPITAL PLAN. Erste Bank and Sparkasse offer the possibility of regular securities saving with ERSTE-SPARINVEST funds from just EUR 30.00 per month.
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