What is a fund and for what is it used?

The idea behind a fund is very simple: Many investors pool their money instead of investing individually. The experts of the investment company bundle the monies of the separate investors and in turn invest in different securities. For example, securities can be stocks or bonds.

The individual investors receive shares in the fund. Possible returns thereof will be distributed or reinvested. Additionally, investors can profit from increases in the share price of the fund.

You should know that

Your personal advantages:

  • Active asset management and broad diversification

  • Cheap cost structure, access to the capital at anytime

  • Professional management with the investment strategy of a large investor

Please note:

  • The prices of fixed income funds, equity funds, and alternative investment funds can fluctuate substantially
  • In case a security is purchased and it is denominated in a currency different than EUR the corresponding foreign exchange rate influences the value of a unit of the fund
  • Loss of invested capital is possible

The fund savings plan as retirement provision

The financial gap which we can expect after an active working life is getting bigger after a series of pension reforms. With a fund savings plan you ensure your standard of living through wise personal provision.

You can decide how long and how much you want to save. There is no minimum period and you can adjust your savings contributions to correspond to the current savings desired, at any time. You can also top up your fund savings account with one-off payments at any time.

Maximum flexibility

The Cost-Average-Effect

As a fund saver, you can counteract cyclical trends, just like a stock market professional. You buy more shares when fund prices fall and less when the prices rise.

This results in a more favorable average price in a long term. Together with that, there is no significant entry point for a savings plan compared to a one-off payment.

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Risk notes according to 2011 Austrian Investment Fund Act

PREMIUM ASSET INVEST may make significant investments in demand deposits or time deposits with a maximum maturity of 12 months pursuant to section 72 of the 2011 Austrian Investment Fund Act.

PREMIUM ASSET INVEST may make significant investments in derivatives (including swaps and other OTC derivatives) pursuant to section 73 of the 2011 Austrian Investment Fund Act.

PREMIUM ASSET INVEST may make significant investments in investment funds (UCITS, UCI) pursuant to section 71 of the 2011 Austrian Investment Fund Act.


This document is an advertisement. Unless indicated otherwise, source: Sparkasse Schwaz AG. Our languages of communication are German and English. The prospectus for UCITS (including any amendments) is published in Amtsblatt zur Wiener Zeitung in accordance with the provisions of the InvFG 2011 in the currently amended version. Information for Investors pursuant to § 21 AIFMG is prepared for the alternative investment funds (AIF) administered by Sparkasse Schwaz AG pursuant to the provisions of the AIFMG in connection with the InvFG 2011. The fund prospectus, Information for Investors pursuant to § 21 AIFMG, and the key investor document/KID can be viewed in their latest versions at the web site www.premiumselectinvest.com or obtained in their latest versions free of charge from the domicile of the management company and the domicile of the custodian bank.

The exact date of the most recent publication of the fund prospectus, the languages in which the key investor document is available, and any additional locations where the documents can be obtained can be viewed on the web site www.premiumselectinvest.com.

This document serves as additional information for our investors and is based on the knowledge of the staff responsible for preparing it at the time of preparation.

Our analyses and conclusions are general in nature and do not take into account the individual needs of our investors in terms of earnings, taxation, and risk appetite. Past performance is not a reliable indicator of the future performance of a fund.

If fund portfolio positions are described in this document, they are based on the status of market developments as of the editorial deadline. The described portfolio positions can change at any time in the course of the active management of the given fund.

For the purposes of Article 7 of Regulation (EU) 2020/852 (SFDR): The investments underlying this financial product do not take into account the EU criteria for environmentally or socially sustainable investments.

*) The performance is calculated in accordance with the OeKB method. The management fee as well as any performance-related remuneration is already included. The issue premium which might be applicable on purchase and as well as any individual transaction specific costs or ongoing costs that reduce earnings (e.g. account- and deposit fees) have not been taken into account in this presentation. Past performance is not a reliable indicator of the future performance of a fund.

Please note that an investment in securities entails opportunities and risks. The value of the holdings together with the income may rise or fall. Changes of exchange rates may also affect the value of an investment, either positive or negative.

In case of a disposal of the shares it is therefore possible that you receive less than the originally investet amount back. Persons who are interested in acquiring investment fund shares should read the current prospectus, in particular the contained risk factors, before any investment.

Please find the details of the constrictions concerning the distribution to American citizens in the “Vollständigen Prospekt“ [Full Prospectus]. Errors and omissions excepted.

PREMIUM SELECT INVEST may make significant investments in investment funds (UCITS, UCI) pursuant to section 71 of the 2011 Austrian Investment Fund Act.

Derivative Instruments may be used as a part of the investment strategy up to 35 % of the funds’ assets for hedging purposes.