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Securities saving is becoming ever more popular alongside traditional forms of saving (savings book, building society account). It involves the regular purchase of fund shares (= CAPITAL PLAN). As well as more dynamic forms of investment (equity funds), there is also a wide range of conservative investments. Bond funds and near money market funds allow you to achieve the higher returns which these forms of investment offer, even with small outlays.
Securities saving with different investment classes:
All ERSTE-SPARINVEST funds are suited to securities saving. The more liable an investment is to fluctuate, the longer the investment period selected should be.- Near money market funds, approx. 5 years
- Bond funds, approx. 5 to 10 years
- Equity funds, 10 years +
Regular investment of equal amounts actively exploits price fluctuation. More fund shares are bought when prices are low, and fewer when they are higher. This results in a share acquisition cost which is, on average, lower (= COST AVERAGE PRINCIPLE).
Saving with ESPA funds - what are the potential returns?
We would like to give a few examples to demonstrate what returns are possible when fund saving through ERSTE-SPARINVEST funds.
Near money market funds - ESPA CASH EURO-PLUS (5 years)
The ESPA CASH EURO-PLUS fund is suitable for very conservative investors with a short to medium-term investment horizon. Here the fund savings return is compared with that of a very high interest savings account over 5 years:
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EURO bond fund - ESPA BOND COMBIRENT (10 years)
The ESPA CASH EURO-PLUS fund is suitable for conservative investors with a medium-term investment horizon. Here the fund savings return is compared with a very high interest savings account over 10 years:
How to apply for an ESPA fund savings plan (CAPITAL PLAN)
A CAPITAL PLAN can be arranged at any branch of Erste Bank and Sparkasse from EUR 30.00 per month. Securities saving is of course possible with all ERSTE-SPARINVEST funds. This kind of saving is completely flexible for the investor � you can pay in a greater or lesser amount at any time and can suspend payments without giving reasons. The saved amount can even be paid out (at the current net asset value) without notice. In this way, you get the interest from the chosen investment class without a lock-up period and with a small capital investment.
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