IQAM Balanced Protect 95 AT/  AT0000A2GK29  /

The aim of this fund is to generate, through a flexible combination of a variety of asset classes, higher returns in the long term than an investment in bonds alone would achieve. It also pursues a portfolio insurance floor of 95 percent of the fund’s peak price (based on the assumption of reinvestment). It is possible that the investment may not follow the trend of the risk-based income components over extended periods. There is no guarantee that the portfolio insurance floor will be adhered to. The weighting of the asset classes is based on the difference between the fund’s price and the portfolio insurance floor and is in accordance with the provisions of § 25 of the Pension Fund Law (Pensionskassengesetz). The fund is a fund of funds (up to 100 percent investment funds, which are selected with regard to the optimal fulfilment of their investment goals), but it can also acquire individual securities. The average rating of the bond component is A according to the Spängler IQAM Invest Composite Rating (find more information about this at www.spaengler-iqam.at/Downloads/Fonds allgemein – in German). Bonds and money market instruments issued and guaranteed by EEA member states and their constituent states may be acquired. Investments in foreign currencies whose currency risk is not hedged are limited to a maximum of 30 percent of the fund assets. Exchange rate fluctuations may, therefore, result in additional opportunities and risks. Derivatives are used both for hedging purposes and as part of the investment strategy (to facilitate efficient administration).

The aim of this fund is to generate, through a flexible combination of a variety of asset classes, higher returns in the long term than an investment in bonds alone would achieve. It also pursues a portfolio insurance floor of 95 percent of the fund’s peak price (based on the assumption of reinvestment). It is possible that the investment may not follow the trend of the risk-based income components over extended periods. There is no guarantee that the portfolio insurance floor will be adhered to. The weighting of the asset classes is based on the difference between the fund’s price and the portfolio insurance floor and is in accordance with the provisions of § 25 of the Pension Fund Law (Pensionskassengesetz). The fund is a fund of funds (up to 100 percent investment funds, which are selected with regard to the optimal fulfilment of their investment goals), but it can also acquire individual securities. The average rating of the bond component is A according to the Spängler IQAM Invest Composite Rating (find more information about this at www.spaengler-iqam.at/Downloads/Fonds allgemein – in German). Bonds and money market instruments issued and guaranteed by EEA member states and their constituent states may be acquired.