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A wide selection of funds according to your investment strategy

Minimum investment from € 150

Your money is available at all times

In addition, you will also get

By investing in VÚB Asset Management mutual funds, you have the opportunity to achieve a return on your savings - you can choose the mutual fund that best fits your investment strategy.

Attractive returns Quick availability of money Low minimum deposit
you can make more money than on bank savings accounts or term deposits after a year, even without an exit fee, for almost all mutual funds For most funds, from € 150 or an equivalent in foreign currency

„Mutual fund certificates are kept in registered form in a separate register maintained by VÚB AM and VÚB. The procedure and manner of keeping a separate register is governed by the Common Operating Rules..“

 

Choose funds according to your own investment strategy

Bank Deposit Fund

The fund is designed for conservative investors who prefer equitable and safe short-term investments. It is suitable for investors who want to increase the value of their money in euros. The Fund is a suitable alternative for investors who want to deposit their funds for up to 6 months and expect higher returns than current accounts and short-term time deposits in euros.

Characteristics

  • focusing mainly on current and term deposits of VÚB Bank and other Slovak banks
  • shares of short-term investment funds managed by VÚB Asset Management, správ. spol., a.s.
  • money market instruments
  • debt securities issued primarily by VÚB Bank and other Slovak banking institutions

Conservative portfolio

The fund is designed for conservative investors who prefer steady and safe investment growth. It is suitable for investors who want to increase the value of their money in euros. The Fund is a good alternative for those who want to deposit their funds for a minimum of 2-4 years and expect a higher return than in the case of current accounts and short-term deposits in euros.

Characteristics

  • reference currency EUR
  • medium risk level in an investment horizon of at least 2 years
  • a mixed fund consisting of share certificates of mutual funds, conservative debt securities, money market instruments and financial derivatives. The total value of investments in mixed share certificates and equity underlying funds does not exceed 10% of the total value of the fund assets.
  • through the VÚB AM mutual fund Conservative portfolio, you can save under the regular investment program of VÚB AM Premium Savings.

Flexible conservative Fund

The fund is designed for more conservative investors who are interested in achieving a return on their money in euros or dollars at a minimum of 4 years at medium risk, with the expectation of more attractive returns than in term deposits, cash or bond funds.

Characteristics

  • reference currency EUR
  • medium risk with an investment horizon of at least 4 years
  • The fund is focused on investing in share certificates of bond, equity or mixed type funds, where most of the assets in the fund are actively managed, i.e., its structure dynamically changes on the basis of current and expected developments in the financial markets. The proportion of investments in the stock markets may not exceed 20% of the value of the assets of the mutual fund

The content of the Fund

  • share certificates of other mutual funds focused on bond or equity markets and publicly traded funds (ETFs), which may include mutual funds managed by asset management companies from the Intesa Sanpaolo group
  • shares of other funds managed by VÚB AM
  • monetary, interest rate and equity financial derivatives
  • money market instruments

Magnifica Edition II

It is no longer possible to make an investment in the Magnifica Edition II fund. The subscription period ended on 15.12.2016

Do you want a higher return at a lower medium risk?

The Fund is a good alternative for more conservative investors who want to achieve returns on stock and bond markets with less volatility than for similar investments, due to the fact that the fund employs active portfolio management with a limited overall fund risk. The fund is intended for investors who prefer medium-term appreciation of their investment at a lower average risk level and are interested in appreciating their money in euros. The fund is a suitable alternative for investors whose optimal investment horizon is at least 3 years and 5 months.

Characteristics

  • The fund is intended for more conservative investors who want to increase the value of their funds for at least 3 and a half years at a lower average risk
  • The fund's investment strategy based on carefully selected EURIZON CAPITAL fund strategies, which are geared to finding additional returns at lower risk levels compared with the market.

The content of the Fund

  • share certificates of other mutual funds focused on bond or equity markets, which may include mutual funds managed by asset management companies from the Intesa Sanpaolo group
  • shares of other funds managed by VÚB AM
  • money market instruments

Warning

Investing in mutual funds also involves risk. The value of the investment may grow, stagnate or fall, and the return of the originally invested amount is not guaranteed. Neither VÚB, a.s. or VÚB Asset Management, správ. spol., a.s. (VÚB AM) provide investment advice. To avoid any doubt, neither VÚB, a.s. nor VÚB AM are responsible for the financial loss caused by the investor's decision to invest their funds in individual funds based on or in connection with this document. Statutes, sales brochures and key information for VÚB AM Amateur fund investors, including a breakdown of fees and costs, are available in the Slovak language at the headquarters of VÚB AM and the depository, at all VÚB, a.s., sales points and www.vubam.sk. The investor has the opportunity to become acquainted with all the documents mentioned in this paragraph. The official names of the mutual funds covered by this document are VÚB AM BANK DEPOSIT FUND, VÚB AM open-ended mutual fund, VÚB AM CONSERVATIVE PORTFOLIO, VÚB AM open-ended mutual fund, VÚB AM DYNAMIC PORTFOLIO, VÚB AM open-ended mutual fund, VÚB AM FLEXIBLE CONSERVATION FUND, VÚB AM open-ended mutual fund, VÚB AM FLEXIBLE MAGNIFICA, VÚB AM open-ended mutual fund, VÚB AM ACTIVE BOND FUND, VÚB AM open-ended mutual fund, VÚB AM BOND CONVERGANT FUND, VÚB AM open-ended mutual fund, VÚB AM ACTIVE MAGNIFICA, VÚB AM open-ended mutual fund, VÚB AM BALANCED GROWTH FUND, VÚB AM open-ended mutual fund, and MAGNIFICA EDITION III, VÚB open-ended mutual fund. In accordance with the approved Mutual Fund statutes of VÚB AM, the share of securities or money market instruments issued or guaranteed by the States listed in individual Fund statutes may exceed 35% of the value of the Fund's assets, and may reach up to 100% of that value. The investment policy of the respective VÚB AM mutual Funds may be, in line with the approved statutes, investment predominantly in assets other than transferable securities and money market instruments. This material is an advertising document or a marketing announcement. Information on investment services, including warnings about risks associated with investments in financial instruments, including mutual fund shares, can be obtained at all VÚB, a.s. sales points and at www.vub.sk v sekcii o-banke/misia-hodnoty/Ochrana investora.

Active Bond Fund

ABF is intended for more conservative investors who prefer to increase the value on their investment in EUR at a lower risk, while expecting a higher return on their investment in a time of low interest rates. The Fund increases the value of finances by investing primarily in selected shares of other mutual funds focused on bond investments that bring above average appreciation in the given asset class. The fund is a suitable alternative for investors whose optimal investment horizon is at least 4 years.

Characteristics

  • reference currency EUR
  • medium risk level in an investment horizon of at least 4 years
  • The total value of investments in mixed share certificates and equity underlying funds does not exceed 10% of the total value of the fund assets.

The content of the Fund

  • share certificates of other mutual funds focused on bond markets included mutual funds (European funds), administered by asset management companies from the Intesa Sanpaolo group and publicly traded funds (ETFs),
  • shares of other funds managed by VÚB AM
  • deposits on current and term accounts,
  • debt securities,
  • money market instruments
  • currency and interest-rate financial derivatives, including bond futures, mixed fund, consisting of share certificates of open-ended mutual funds, conservative debt securities, money market instruments and financial derivatives.

Flexible Magnifica

The fund is an advantageous alternative for investors who want to achieve returns on stock and bond markets or commodity markets with less volatility than for similar investments, due to the fact that the fund employs active portfolio management with a limited overall fund risk. The fund is intended for investors who prefer medium-term appreciation of their investment at a lower average risk level and are interested in increasing the value of their money in euros. The fund is a suitable alternative for investors whose optimal investment horizon is at least 5 years.

Characteristics

  • reference currency EUR
  • medium risk level in an investment horizon of at least 4 years
  • Mixed fund, focused on investing in government bonds, share certificates of other mutual funds focused on bond, equity or commodity markets, with 90% of the assets in the fund being actively managed, i.e. their structure changes dynamically based on current developments in the financial markets. The share of commodity-market investments may not exceed 20% of the value of the mutual fund's assets and, in the case of stock markets, may not exceed 50% of the value of the asset.

The content of the Fund

  • government debt securities focusing on Europe,
  • share certificates of other mutual funds focused on bond, equity or commodity markets and publicly traded funds (ETFs), which may include mutual funds administered by management companies from the Intesa Sanpaolo group
  • shares of other funds managed by VÚB AM
  • monetary, interest rate and equity financial derivatives
  • money market instruments

Active Magnifica

The fund is intended for investors who prefer a long-term appreciation of their investment at a medium risk level and are interested in achieving returns on their money in EUR. Fund assets are invested in bond, equity and commodity assets, and their structure dynamically changes on the basis of developments in financial markets. The Fund is a suitable alternative for investors who prefer active management, whose optimal investment horizon is 4 years and who expect a higher potential for appreciation at a reasonable risk.

Characteristics

  • reference currency EUR
  • medium risk level in an investment horizon of at least 4 years
  • A fund of funds that uses active portfolio management when managing investments, with the portfolio containing a dynamically changing structure of bond, equity and commodity investments. The individual components of assets are dynamically changing and adapting to the current situation on the financial markets, based on the model's results.
  • through the VÚB AM Active Magnifica mutual fund, you can save in the VÚB AM Premium Savings regular investment program.

Magnifica Edition I

It is no longer possible to make an investment in the Magnifica Edition I fund. The subscription period expired on 30.06.2016.

The fund is a good alternative for investors looking to achieve attractive returns on the equity and bond markets with less volatility than for similar investments, due to the fact that the fund employs active portfolio management with a limited overall fund risk. The fund is intended for investors who prefer medium-term appreciation of their investment at a lower average risk level and are interested in increasing the value of their money in euros. The fund is a suitable alternative for investors whose optimal investment horizon is at least 5 years.

Characteristics

  • The Fund collected from the funds of Eurizon Capital, where two of the funds have a 5 * rating from the prestigious agency Morningstar *
  • The fund includes a stock component of up to 50%, where it selects 120 stocks of large stable companies with above-average dividends (60 Europe, 60 US)
  • It purchases shares when they are undervalued (cheap) and reduces exposure to shares when they are expensive (overvalued)
  • The fund may be an interesting alternative for clients wishing to invest for a minimum period of 5 years with the aim of a greater appreciation of funds

*http://www.eurizoncapital.lu

Obsah fondu

  • share certificates of other mutual funds focused on bond, equity or commodity markets and publicly traded funds (ETFs), which may include mutual funds administered by management companies from the Intesa Sanpaolo group
  • shares of other funds managed by VÚB AM
  • monetary, interest rate and equity financial derivatives

Magnifica Edition III

The Magnifica Edition III may only be entered during the subscription period from 13.04.2017 to 30.06.2017.

We have prepared a unique, time-limited edition from the VÚB AM MAGNIFICA EDITION III series of mutual funds for you.

Magnifica Edition III is a good opportunity for more experienced investors who expect a higher appreciation of investment at medium risk with an investment horizon of at least 3 years and 10 months.

The fund mainly invests in the share certificates of stock and bond type mutual funds and money market instruments. When selecting investments, emphasis is placed on current and expected developments in the financial markets, which the assets of the fund are dynamically adjusted to. The objective of the fund is to offer the potential for an attractive return on investment in bond and equity markets with a lower risk than for similar investments while respecting the investment horizon.

Characteristics

  • VÚB AM flexible mixed mutual fund, which invests in selected mutual funds of the company Eurizon Capital SA and funds of other reputable asset management companies
  • is the successor to the successful editions of Magnifica I and Magnifica II
  • There is no entry fee,
  • it offers the opportunity to achieve higher returns by investing in equity and bond markets,
  • most of the assets in the fund are actively managed, i.e. the asset structure dynamically changes based on current and expected developments in the financial markets
  • possibility to invest within Combi-product

The content of the Fund

  • share certificates of other mutual funds focused on bond or equity markets, which may include mutual funds managed by asset management companies from the Intesa Sanpaolo group
  • shares of other funds managed by VÚB AM
  • money market instruments

Warning

Investing in mutual funds also involves risk. The value of the investment may grow, stagnate or fall, and the return of the originally invested amount is not guaranteed. Neither VÚB, a.s. or VÚB Asset Management, správ. spol., a.s. (VÚB AM) provide investment advice. To avoid any doubt, neither VÚB, a.s. nor VÚB AM are responsible for the financial loss caused by the investor's decision to invest their funds in individual funds based on or in connection with this document. Statutes, sales brochures and key information for VÚB AM Amateur fund investors, including a breakdown of fees and costs, are available in the Slovak language at the headquarters of VÚB AM and the depository, at all VÚB, a.s., sales points and www.vubam.sk. The investor has the opportunity to become acquainted with all the documents mentioned in this paragraph. The official names of the mutual funds covered by this document are VÚB AM BANK DEPOSIT FUND, VÚB AM open-ended mutual fund, VÚB AM CONSERVATIVE PORTFOLIO, VÚB AM open-ended mutual fund, VÚB AM DYNAMIC PORTFOLIO, VÚB AM open-ended mutual fund, VÚB AM FLEXIBLE CONSERVATION FUND, VÚB AM open-ended mutual fund, VÚB AM FLEXIBLE MAGNIFICA, VÚB AM open-ended mutual fund, VÚB AM ACTIVE BOND FUND, VÚB AM open-ended mutual fund, VÚB AM BOND CONVERGANT FUND, VÚB AM open-ended mutual fund, VÚB AM ACTIVE MAGNIFICA, VÚB AM open-ended mutual fund, VÚB AM BALANCED GROWTH FUND, VÚB AM open-ended mutual fund, and MAGNIFICA EDITION III, VÚB open-ended mutual fund. In accordance with the approved Mutual Fund statutes of VÚB AM, the share of securities or money market instruments issued or guaranteed by the States listed in individual Fund statutes may exceed 35% of the value of the Fund's assets, and may reach up to 100% of that value. The investment policy of the respective VÚB AM mutual Funds may be, in line with the approved statutes, investment predominantly in assets other than transferable securities and money market instruments. This material is an advertising document or a marketing announcement. Information on investment services, including warnings about risks associated with investments in financial instruments, including mutual fund shares, can be obtained at all VÚB, a.s. sales points and at www.vub.sk v sekcii o-banke/misia-hodnoty/Ochrana investora.

Convergence bond fund

The fund is designed for more conservative investors who prefer steady, long-term growth in their investment. It is particularly suited for investors who want to increase the value of their money in EUR and for investors interested in taking advantage of higher interest rates in countries preparing to join the EMU and who want to profit from interest rate and exchange rates in the event of strengthening the local currency against the euro.

Characteristics

  • reference currency EUR
  • low to medium risk in the investment horizon of at least 2 years
  • consisting primarily of the bonds of the countries entering the European Union in local currency, suitable for a conservative investor in order to achieve a higher return than for EUR-denominated term deposits

Dynamic portfolio

The fund is designed for investors who prefer the long-term appreciation of their investment at a higher risk level and are interested in capitalizing their EUR and USD funds by investing in stock funds denominated in different world currencies. The Fund is a suitable alternative for investors whose optimal investment horizon is 5 years and who expect a high potential for appreciation at a reasonable risk is expected.

Characteristics

  • reference currency EUR
  • low to medium risk in the investment horizon of at least 5 years
  • a mixed fund consisting of share certificates of mutual funds, conservative debt securities, money market instruments and stock and financial derivatives. The total value of investments in mixed share certificates and equity underlying funds does not exceed 70% of the total value of the fund assets.

Balanced Growth Fund

The fund is intended for investors who prefer the long-term appreciation of their investment at a higher risk level and are interested in achieving a return on their funds by investing in stock funds denominated in various world currencies.

Characteristics

  • reference currency EUR
  • high risk in an investment horizon of at least 5 years
  • Mixed fund, focused on investment in debt securities and stocks (roughly 50:50) of emerging countries, markets, regions, industries and companies with an increased focus on Central and Eastern European markets suitable for an experienced investor who favors the long-term appreciation of their investment in USD at a higher risk level.

VÚB AM World Edition

The World Edition may only be entered during the subscription period from 28.09.2017 to 15.12.2017. We have prepared a unique, time-limited offer from the VÚB AM WORLD EDITION issue of mutual funds for you. The World Edition is a good opportunity for more experienced investors who expect a higher appreciation of investment at medium risk with an investment horizon of at least 3 years and 5 months. In particular, the fund invests in share certificates of mutual funds for bond or equity markets. The portfolio of the fund is made up of flexible and actively managed funds of global asset management companies.

Characteristics

  • VÚB AM open-ended mixed mutual fund, which invests in selected mutual funds of renowned global asset management companies
  • It is the successor of the successful editions of Magnifica Edition I, Magnifica Edition II and Magnifica Edition III
  • There is no entry fee,
  • It offers the opportunity to achieve higher returns by investing in equtiy and bond markets, with a lower risk than similar investments while keeping the investment horizon
  • most of the assets in the fund are actively managed, i.e. the asset structure dynamically changes based on current and expected developments in the financial markets and is regularly pre-balanced daily.
  • possibility to invest in the Combi-product in combination with a favorable term deposit

The content of the Fund

  • share certificates of mutual funds managed by asset management companies from the Intesa Sanpaolo group.
  • share certificates of mutual funds managed by other global asset management companies

More info

VÚB AM 2018 Edition

The 2018 Edition fund may only be entered during the subscription period from 17.05.2018 to 17.08.2018.

This is, again, a time-limited investment opportunity - VÚB AM 2018 EDITION. The last of the series of the successful Series of Edition funds. The 2018 Edition is a good opportunity for more experienced investors who expect a higher appreciation of investment at medium risk with an investment horizon of at least 4 years and 8 months.

In particular, the fund invests in share certificates of mutual funds for bond or equity markets. The portfolio of the fund is made up of flexible and actively managed funds of global asset management companies.

Characteristics

  • VÚB AM open-ended mixed mutual fund, which invests in selected mutual funds of renowned global asset management companies
  • It is the last of the successful editions Magnifica Edition I, Magnifica Edition II, Magnifica Edition III and the World Edition
  • There is no entry fee,
  • It offers the opportunity to achieve higher returns by investing in equtiy and bond markets, with a lower risk than similar investments while keeping the investment horizon
  • the portfolio of the fund is highly diversified with a balanced stock and bond component
  • possibility to invest in the Combi-product in combination with a favorable term deposit

The content of the Fund

  • share certificates of mutual funds managed by asset management companies from the Intesa Sanpaolo group.
  • share certificates of mutual funds managed by other global asset management companies

Warning

Investing in mutual funds also involves risk. The value of the investment may grow, stagnate or fall, and the return of the originally invested amount is not guaranteed. Neither VÚB, a.s. nor VÚB Asset Management, správ. spol., a.s. (VÚB AM) provide investment advice. To avoid any doubt, neither VÚB, a.s. nor VÚB AM are responsible for the financial loss caused by the investor's decision to invest their funds in individual funds based on or in connection with this document. Statutes, sales brochures and key information for VÚB AM Amateur fund investors, including a breakdown of fees and costs, are available in the Slovak language at the headquarters of VÚB AM and the depository, at all VÚB, a.s., sales points and www.vubam.sk. The investor has the opportunity to become acquainted with all the documents mentioned in this paragraph. The official names of the mutual funds listed in this document are VÚB AM BANK DEPOSIT FUND, VÚB AM open-ended mutual fund, VÚB AM CONSERVATIVE PORTFOLIO, VÚB AM open-ended mutual fund, VÚB AM DYNAMIC PORTFOLIO, VÚB AM open-ended mutual fund, VÚB AM FLEXIBLE CONSERVATION FUND, VÚB AM open-ended mutual fund, VÚB AM FLEXIBLE MAGNIFICA, VÚB AM open-ended mutual fund, VÚB AM ACTIVE BOND FUND, VÚB AM open-ended mutual fund, VÚB AM BOND CONVERGANT FUND, VÚB AM open-ended mutual fund, VÚB AM ACTIVE MAGNIFICA, VÚB AM open-ended mutual fund, VÚB AM BALANCED GROWTH FUND, VÚB AM open-ended mutual fund, and MAGNIFICA EDÍCIA III, VÚB open-ended mutual fund. In accordance with the approved Mutual Fund statutes of VÚB AM, the share of securities or money market instruments issued or guaranteed by the States listed in individual Fund statutes may exceed 35% of the value of the Fund's assets, and may reach up to 100% of that value. The investment policy of the respective VÚB AM mutual Funds may be, in line with the approved statutes, investment predominantly in assets other than transferable securities and money market instruments. This material is an advertising document or a marketing announcement. Information on investment services, including warnings about risks associated with investments in financial instruments, including mutual fund shares, can be obtained at all VÚB, a.s. sales points and at www.vub.sk in section o-banke/misia-hodnoty/Ochrana investora.



 

Most frequently asked questions

What is the minimum amount that is worth investing?

The minimum amount for a one-time investment in VÚB Asset Management mutual funds is 150 EUR or the equivalent in a foreign currency. The decision whether to add more depends on you, depending on your financial situation.
VÚB AM Sporenie umožňuje sporiť a investovať do podielových fondov v pravidelných mesačných intervaloch
VÚB AM Savings allows you to save and invest in mutual funds at regular monthly intervals under preferential terms - from 15 euros. In addition, you regularly optimize the purchase price of your share certificates through regular savings.

What is the optimal period of investing?

It is individual and depends on your decision and the target you set. Keep in mind, however, that your investment in funds may grow, stagnate, but also fall. Invest in long-term investments and the longer the investment horizon you set, the less the risk of a short-term decline in the value of your investment.

Is it possible to invest in foreign currencies?

VÚB Bank offers clients term deposits in foreign currencies. There are no fees associated with their opening and management. Selected funds of VÚB Asset Management can also be invested in USD. Keep in mind that it is reasonable to invest in the currency in which you plan to realize your future expense.