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1 Fund-based savings with the Securities Investment Plan (WertpapierPlan), Page 1 of 8 Small monthly payments. With the potential to grow. Fund-based savings with the WertpapierPlan Securities Investment Plan.
2 Fund-based savings with the Securities Investment Plan (WertpapierPlan), Page 2 of 8 For your assets grow. Fund-based savings (FondsSparen) with the Securities Investment Plan. Would you like to put aside a certain amount every month or on a regular basis so that you can later fulfil a desire or have a financial cushion to fall back on? The Securities Investment Plan enables you to build up your assets gradually with funds. This gives you an opportunity to participate in the performance of securities even with small amounts, offering a great chance to see your money grow. Fund-based savings with the Securities Investment Plan is the ideal investment if you invest regularly even from just EUR 40 per month, invest your money in the long term with due consideration of the minimum recommended savings term of the given fund and are willing to take a certain risk depending on your investment objective. This is because there is no guarantee that the invested capital will be recovered or that returns will be generated. Investment funds: taking advantage of the opportunities offered by securities. The Securities Investment Plan gives you access to the vast universe of investments through investment funds, because funds invest in various securities, markets, sectors and regions, whilst also differing in terms of their investment focus. Investment funds: The concept of an investment fund is easy to explain: The capital of many investors is pooled in a fund by an investment management company. An experienced fund management team ensures that the fund assets are invested professionally in a wide range of securities according to strictly defined guidelines. This gives you access to investment and earnings opportunities that are normally only reserved for institutional investors. The broad diversification among a wealth of securities reduces the risk of investment funds compared to investing directly in individual securities. Real estate funds: Properties can also be bundled in a fund: Experienced real estate fund managers ensure that the right properties are selected according to precisely defined criteria, pool the various properties and take care of the ongoing letting and active management of the properties. This allows you to participate in the earnings opportunities of an extensive real estate portfolio even with small invested amounts. Each property is valued once a year by at least two independent property appraisers. This valuation and the earnings data form the basis for the calculation of the net asset value. Focus on your investment objective. During a personal consultation we will help you determine which fund suits you best. Your decision depends on your personal investment objective, your willingness to take risks, your financial means, and the investment term. For an overview of the various fund types available, please refer to page 3.
3 Fund-based savings with the Securities Investment Plan (WertpapierPlan), Page 3 of 8 Overview of the various fund types: 1) Bond funds Fund type Investment focus 2) Earnings opportunities Risks 3) Euro government bond funds Various types of Eurozone government bonds. Possible interest income and price gains on euro government bonds. International bond funds Global bonds. Possible interest income and price gains on global bonds. Euro corporate bond funds Bond funds Central, Eastern and Southeastern Europe Corporate bonds denominated in euros. Government and corporate bonds from Central, Eastern and Southeastern Europe ( local and hard currencies). Mixed funds Mixed funds Various compositions and weightings of equities and bonds. Equity funds Real estate funds Equity funds focusing on countries or regions Equity funds focusing on specific sectors or themes Open-ended real estate funds Equities focusing on certain regions or countries. Equities focusing on certain sectors or investment themes. Real estate in Austria. Possible interest income and price gains on euro corporate bonds. Higher earnings potential than euro government bonds in the long run. Lucrative earnings possible thanks to attractive interest rates. Potential price gains from the likely alignment of interest rates to the Eurozone in the medium to long term. Combine the earnings opportunities of various types of equities and bonds depending on the composition of the fund. Potential price gains on the equities in the fund as well as potential dividend income. Potential price gains on the equities in the fund as well as potential dividend income. Lease and interest income as well as price gains for real estate and bonds. Primarily yield changes on the eurobond market (interest rate risk and risk of price fluctuations) as well as credit and default risks of bond issuers. Primarily currency risks, yield changes on the global bond markets (interest rate risk and risk of price fluctuations) as well as credit and default risks of bond issuers. Mainly credit and default risks of bond issuers. Also, interest rate risk and risk of price fluctuations. Currency risk, credit and default risks of bond issuers, interest rate risk and risk of price fluctuations. Risk of price fluctuations on the equity markets and bond markets (including interest rate risk) depending on the composition of the fund; currency risks. Risk of price fluctuations on the equity markets depending on the investment focus of the fund; currency risks. Risk of price fluctuations on the equity markets depending on the investment focus of the fund; currency risks. Primarily changes in property values and loss of rent; to a lesser extent, yield changes on the euro bond market ( interest rate risk and risk of price fluctuations). 1) Please note that a personal consultation with a relationship manager at Bank Austria is required in order to determine which fund is suitable for which investor. 2) Please note that this is just a very general description of possible investment targets. A detailed description can be found in the legally required fund prospectus and key investor document (KID) published for the given investment fund or in the fund prospectus and simplified prospectus published for the given real estate fund. 3) Please note that a full description of the risks associated with investing in a fund can only be found in the legally required fund prospectus and key investor document (KID) published for the given investment fund or in the legally required fund prospectus and simplified prospectus published for the given real estate fund.
4 Fund-based savings with the Securities Investment Plan (WertpapierPlan), Page 4 of 8 Regular savings additional deposits at any time. This is because the Securities Investment Plan offers you great flexibility with your payments: All the earnings opportunities of the selected fund are available to you starting with a minimum initial investment of EUR 2,500 and regular monthly payments of at least EUR 40. Additional payments can be made at any time for example when a contract with a building society matures. Any earnings (such as interest or share dividends) automatically remain in the fund and are reinvested after the deduction of any applicable taxes. A piece of advice: With a dynamic standing order where the monthly payments are increased by a certain amount or percentage at your discretion, you can increase your earnings chances further. Consistency results in cost averaging. By regularly paying the same amount you can benefit from cost averaging: this means that with the Securities Investment Plan you buy fewer shares when prices are high and more shares when prices are low. As a result, you secure a lower purchase price for fund shares when prices are fluctuating. However, since the actual performance of the selected fund over the term of the investment cannot be predicted, this can adversely affect cost averaging, especially if prices are constantly rising. No fixed term. Even if there is no fixed term for the Securities Investment Plan, we still recommend observing the minimum savings term for the given fund. Nonetheless, if required you can access your Securities Investment Plan at the current value at any time. Since investment funds are subject to price fluctuations, the net asset value of the shares in your selected fund at the time of sale may be higher or lower than the original market price at the time they were purchased. If you wish, you can also withdraw amounts regularly under your Securities Investment Plan. Please note that fluctuations in prices can influence the withdrawal period for the withdrawal amount you have designated. As a result, regular checks are required if you choose this option. Instant overview. As a holder of a Bank Austria account or an ErfolgsCard, you can get a daily overview of the performance of your Securities Investment Plan. You can print out the current market value of your Securities Investment Plan along with any transaction receipts at any account statement printer 24 hours a day in any of Bank Austria s self-service foyers. Via OnlineBanking you can also keep track of the performance of your Securities Investment Plan from the comfort of your home. At the end of the year, you will also receive a free account statement with information on the current market value of your Securities Investment Plan.
5 Fund-based savings with the Securities Investment Plan (WertpapierPlan), Page 5 of 8 Growing your assets via investment funds with the Securities Investment Plan. Choose the funds that suit you from the wide range on offer (also see page 3). The following graphs for example give you information about the performance of selected Pioneer Investments Austria (PIA) investment funds. Monthly payment EUR 40, initial deposit EUR 2,500 Example: PIA Select Europe Stock equity fund. in EUR 12,500 10,000 7,500 5,000 2,500 0 I I I I I I I I I I I Invested capital (own funds) Invested capital taking into account the performance of the PIA fund Example: PIA Komfort Invest traditionell mixed fund. in EUR 10,000 7,500 5,000 2,500 0 I I I I I I I I I I I Invested capital (own funds) Invested capital taking into account the performance of the PIA fund Example: PIA Mündel Bond bond fund. in EUR 10,000 7,500 5,000 2,500 0 I I I I I I I I I I I Invested capital (own funds) Invested capital taking into account the performance of the PIA fund The calculations are based on historical data. Past performance is not a reliable indicator of the future performance of an investment. The calculation is based on the net asset value. The following charges are not taken into account: Front-end load (can total up to 5%), plan management fee (see page 6 of this folder under Fees and charges ). Costs arising in connection with the investment fund are included. A sales charge of 0.75% of the amount disbursed is calculated upon any sale. Taxes incurred during the sale of fund shares are not taken into account.
6 Fund-based savings with the Securities Investment Plan (WertpapierPlan), Page 6 of 8 The Securities Investment Plan at a glance: Product type: Investment and savings product based on investment funds. After-tax earnings are not paid out, they remain in the fund. Investment: Minimum initial investment of EUR 2,500 and monthly payments of at least EUR 40. Term: No fixed term, but recommended minimum savings term of the given fund should be noted. Repayment/availability: At the prevailing net asset value for the given fund as of the date of sale, less any Austrian capital yields tax on price gains and sales charges. Fees and charges: Front-end load for the selected fund for each payment. Annual management fee of up to 2% (this includes the recurring portfolio-based sales commission for UniCredit Bank Austria AG) as well as a performance fee for the selected fund. Details about the management fee and the performance fee for the selected fund are available from your relationship manager and in the legally required fund prospectus and key investor document (KID) published for the selected investment fund or in the legally required fund prospectus and simplified prospectus published for the selected real estate fund. Annual plan management fee: 0.235% p.a. plus 20% VAT (minimum fee of EUR 4.20 p.a. plus 20% VAT). Upon sale by the investor: sales charge of 0.75% of the amount disbursed. Other costs: details regarding other costs charged to the fund are contained in the legally required fund prospectus. Sales restrictions: More detailed information can be found in the legally required fund prospectus published for the given investment fund or in the legally required fund prospectus and simplified prospectus published for the given real estate fund. Tax treatment: For private investors subject to unlimited tax liability when the custody account is managed in Austria: 25% Austrian capital yields tax (final taxation) on dividend-equivalent income (interest, dividends, other ordinary income and taxable real gains). When sold by the investor and upon redemption, an additional 25% Austrian capital gains tax is payable on the gain (this is the difference between the sales proceeds or redemption value at the end of the term and the acquisition cost; the acquisition cost is raised by dividend-equivalent income and lowered by tax-free disbursements). In accordance with the explicit instruction pursuant to 27a paragraph 4 item 2 of the Austrian Income Tax Act (EStG) as per the BBG 2011, the acquisition costs (net asset value) are construed net of ancillary acquisition costs (front-end load). For corporate investors with unlimited tax liability in Austria: Interest income and capital gains are subject to 25% Austrian corporate tax (Körperschaftssteuer KöSt). Dividend income is exempt from corporate tax, insofar as the exemption is in accordance with 10 KStG. For more detailed information about taxation, please refer to the legally required fund prospectus published for the given investment fund or to the legally required fund prospectus and simplified prospectus published for the given real estate fund. Please note that taxation is subject to the investor s personal circumstances and that this information is provided on the basis of current legislation, which could change in the future.
7 Fund-based savings with the Securities Investment Plan (WertpapierPlan), Page 7 of 8 The Securities Investment Plan at a glance: Promising opportunities for asset growth with investment funds. Wide selection of funds. Choose a suitable investment fund or real estate fund based on your investment objective and risk appetite. Greater risk diversification than with investments in individual securities. Cost averaging and compound interest effect. Minimum initial investment of EUR 2,500 and monthly payments of at least EUR 40. Easy payment with standing orders or dynamic standing orders. Automatic investment of all amounts paid in and earnings generated. No fixed term, but please note the recommended minimum savings term of the given fund. Instant overview of your investment with OnlineBanking and at the account statement printer in any self-service foyer. Once a year, you will also receive a free account statement informing you of the performance of your Securities Investment Plan. Also suitable for regular withdrawals. No separate clearing account required. Investor protection in the case of investment funds: The fund assets are kept strictly separate from the fund management company s assets. Investors should note the following/important risk disclosure: Fund-based savings with the Securities Investment Plan is not suitable for investors who want to invest money in the short term. Fund-based savings with the Securities Investment Plan is only suitable for investors who can accept price fluctuations over the investment term and are willing to bear the higher risks of an investment in securities. The share price for the selected fund can fluctuate at any time due to developments on the capital markets. In the case of equity funds, share price risk and default risk must also be taken into account. Bond funds in particular are subject to interest rate risk, the risk of price fluctuations, credit risk, issuer risk and default risk. In the case of real estate funds, prices can fluctuate because of economic developments and market conditions. Other risks may also occur, such as currency risk, inflation risk, counterparty risk (risk that a transaction will not be executed as expected within the transfer system because a counterparty does not pay or deliver on time or as expected), liquidity risk (risk that a position cannot be liquidated on time at a reasonable price) and valuation risk (risk that under extraordinary circumstances, the return of shares will be temporarily suspended until assets in the fund are sold and the proceeds from these transactions are received, which will lower the redemption price). Under certain circumstances it is therefore possible to lose all of the invested capital. After-tax earnings generated by the selected fund during the investment term are not paid out, but instead remain in the fund. The selected fund offers no guarantees with regard to the retention of capital or returns. Incidental costs and charges, including those pertaining to the sale of fund shares, reduce earnings (see page 6). However, these costs and charges do not reduce the assessment base for the purposes of Austrian capital yields tax. Please note that taxation is subject to the investor s personal circumstances and that this information is provided on the basis of current legislation, which could change in the future. This brochure is not an investment recommendation, but is intended solely for marketing purposes. Complete information about the selected investment fund can only be found in the legally required, published fund prospectus and in the key investor document (KID) or in the legally required, published fund prospectus and simplified prospectus in the case of real estate funds. Please read these documents carefully before investing in the Securities Investment Plan. This English text describing the Securities Investment Plan is a translation of the original German text and is provided for your convenience only. In the event of discrepancies, the German text shall prevail over the English translation.
8 Fund-based savings with the Securities Investment Plan (WertpapierPlan), Page 8 of 8 Let us advise you. Your Bank Austria relationship manager will be glad to give you detailed information about the Securities Investment Plan. Come into your Bank Austria branch for a consultation. You can arrange an appointment at any time by calling the 24h ServiceLine at The information in this publication is provided for advertising purposes only and does not constitute investment advice or an investment recommendation, a product recommendation, an offer or solicitation to buy or sell securities, or a solicitation to make an offer. It is intended solely as introductory information and is not a substitute for advice provided on the basis of the investor s individual circumstances and knowledge. Every capital investment involves a certain degree of risk. The value of the investment and the earnings generated by the investment can change suddenly and considerably and therefore cannot be guaranteed. The investor may fail to recover the total amount of capital invested, for example, if the capital is only invested for a short period. Past performance is not a reliable indicator of the future performance of an investment. Branches Roughly 300 locations throughout Austria Telephone 24h ServiceLine: Internet info@unicreditgroup.at This marketing brochure was produced by UniCredit Bank Austria AG, Schottengasse 6 8, A-1010 Vienna. Subject to errors and misprints. As of September /ST
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