Asset Management Portfolio of PARTNER BANK AG

When an investor decides to have an asset management product of PARTNER BANK, such as Stock Baskets, Bonds Baskets etc., he opts for a particular investment strategy that corresponds to his goals, needs and risk behavior.  More >>

KOPERNIKUS Stocks Basket

Invest with the KOPERNIKUS Strategy

A new conception of the world originated through Nicolaus Copernicus. Copernicus proved that the earth is not at the center of the universe. The earth revolves around the sun with other planets. This heliocentric worldview gradually prevailed over the „old “geocentric one.

In the KOPERNIKUS Stocks Basket, renowned brand companies constitute the center of the portfolio; Exchange Traded Funds (ETFs) encircle this center as „satellites“. Through the KOPERNIKUS Strategy stock investments are optimized: World-famous quality assets are directly owned and managed. Major growth areas with high yield opportunities are covered cost-efficiently by ETFs which track the major indices. Thus, the KOPERNIKUS Stocks Basket invests according the core-satellite principle.

• Direct ownership of stocks of first-class world-businesses 
• Important growth markets and topics covered cost-efficiently with ETFs 
• Broad diversification in different branches of trades and regions 
• Cost-Average with monthly/quarterly payments 
• Ongoing monitoring of the market environment and the positions in the securities account 
• Funds available on short notice
• Transparent presentation of all stocks and positions, the client is invested in, on the account statement 
• Risk category: Increased 

Please note the increased price risk, foreign exchange and currency risk, liquidity risk, issuer risk and market risk, which can lead to high financial losses. With ETFs a counterparty risk must also be taken into account.
This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

FIRST SAFETY Stocks Basket

Provisions for a carefree life

Many investors feel the need for more stability and predictable income. Taking control over future financial development is the motto of First Safety. The First Safety Stocks Basket combines opportunities in the equity markets with stability of capital-guaranteed investments. A professional asset management by securities and industry experts guarantees a professional and flexible management. An income guarantee is secured for customers in a transparent and comprehensible manner as the center of the investment is composed of a European high quality bond with first-class credit rating that covers the capital guarantee.*

 

 

 

 

 

 

• Asset management following the core-satellite principle 
• Ongoing monitoring by independent experts 
• Capital guarantee through European high quality bond with first-class credit rating* 
• Capital guarantee with term of approximately 8 years* 
• Chance of additional income from share investments in the security industry 
• Starting investment: EUR 5.000  
• Transparent presentation of all stocks and positions on the account statement 
• Risk category: Insignificant * 


* Capital guarantee as well as classification of risks with "insignificant" are effective in compliance with the term of approximately 8 years (= end of term of the zero coupon bond) and repayment of the zero coupon bond to 100 by bond issuers. Capital guarantee amount is the investment amount = assessed capital after deducting the processing fee and fees/expenses according to terms as well as individual taxes (for example capital gains tax).

 

Please note that the following types of risks (credit risk, interest rate and price risk, foreign exchange risk, liquidity risk, issuer and market risk) can lead to fluctuations of the depot value during the term and the termination of the asset management product before the agreed end of contract (=end of term of the zero coupon bond) can induce capital loss and income loss.
This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

BEST OF BONDS Bonds Basket

Enjoying regular income with high quality bonds from sound companies

 



The BEST OF BONDS Bonds Basket is a portfolio of bonds of first-class businesses. With the diversification into different branches of trade, regions and terms, the investor has increased security compared to single investments. The quality of a bond is derived from the quality of the business, that issues the bond. The business must have sufficient capital in order to guarantee the interest and repayment in difficult times as well. For the BEST OF BONDS Bonds Basket, businesses are chosen that can refer to a strong foundation and business policy and whose business model is promising for the future as well.

  

 

 

 

• All assets are issued in Euro so that no currency risk arises 
• Independent selection of high quality bonds 
• Currently favorable assessments and attractive coupons 
• Broad diversification to different branches of trades, regions and terms 
• Regular interest payments from issuer 
• Ongoing monitoring of the market environment and the interest landscape 
• Funds available on short notice
• All issuers listed transparently on the account statement
• Risk category: Moderate 




Please especially note the following risks - price risk, interest risk, foreign exchange and currency risk, liquidity risk, issuer default risk, credit risk and market risk - which can lead to capital loss.

 


This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

RENDITE PLUS Bonds Basket

Enjoying regular income with profitable international bonds


RENDITE PLUS Bonds Basket consists of international business bonds, high yield bonds and convertible bonds that show high returns and value increase potential. RENDITE PLUS Bonds Basket is suitable for risk-conscious investors who would like to seize excellent return opportunities and also invest in high yield bond

 

 

 

 

 

 

 

 

 

 

 

• All assets are issued in Euro so that no currency risk arises 
• High yield corporate bonds 
• Especially high interest coupons 
• Independent selection of the bonds by securities experts 
• Diversification to different branches of trade, regions and terms 
• Ongoing monitoring of the bonds, the market environment and the interest landscape 
• Funds available flexibly and on short notice
• Transparent presentation of the individual bonds on the daily updated account statement 
• Enjoying assets with profitable international bonds 
• Risk category: Increased 




Please especially note the following risks - interest risk, price risk, foreign exchange and currency risk, liquidity risk, issuer default risk, credit risk and market risk - which can lead to capital loss.

 


This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

STAATS - Bonds Basket

Enjoying regular income with government bonds 



States, whose creditworthiness is among to the best of the world were chosen for the STAATS Bond Baskets. Through the diversification to several States as issuers, the investor has an increased security in comparison to an investment in only one government bond. The investment in government bonds with different terms also allows the fixation of an attractive interest rate over a longer period of time.

 

 

 

 

 

 

 

 

• Flexible reaction to changes in the interest market 
• All assets are issued in Euro so that no currency risk arises 
• Direct investments in States whose creditworthiness is among to the best of the world 
• Best risk category 
• Careful selection of countries according to economic key performance indicators 
• Diversification to different States 
• Attractive interest set for several years 
• Ongoing monitoring of the creditworthiness and the interest landscape 
• Funds available on short notice
• All issuers listed transparently on the account statement
• Transparent presentation of the individual bonds on the daily updated account statement 
• Risk category: Insignificant




Please especially note the following risks - price risk, interest risk, foreign exchange and currency risk, liquidity risk, issuer default risk, credit risk and market risk - which can lead to capital loss.

 

This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

Investment-Funds Basket MONET - the balanced investment portfolio

Always up to date with an flexible and comprehensive investment portfolio



 

Savings and provisions - adapted to the market and economic situation - is a strong demand for investors. In the economic upturn, it is mainly stocks that are profitable. Bonds however are promising in times of economic downturn. Alternative investments improve the risk spreading of the portfolio, gold for example is recommendable as inflation protection. The diversification and emphasis of the asset classes in the Investment-Funds Basket MONET follow the core-satellite principle. The key elements are globally-oriented stocks and bond investment funds. The satellites portray growth topics. The Investment-Funds Basket MONET is specifically suitable for investors, who attach importance to a market-optimized and balanced All-in-One portfolio.

 

 

• Essential asset classes flexible in one portfolio 
• Asset management according to the core-satellite principle 
• Ongoing monitoring by independent securities experts 
• Top Ranking investment funds 
• Savings and provisions with elite investment funds as of EUR 50, - monthly payments
• Funds available on short notice
• Transparent presentation of all investment funds on the account statement 
• Risk category: Moderate

 


Please especially note the following risks - price risk, foreign exchange and currency risk, liquidity risk, issuer risk and market risk -which can lead to capital loss. This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

Investment-Funds Basket PICASSO - the dynamic investment portfolio

Investing dynamically for private provision

The dreams of one’s own house and financial independence should come true. The FUND BASKET PICASSO is ideally suited as a component for long-term building of assets due to its dynamic alignment following the core-satellite approach. The key elements and emphasis of the portfolio are globally-oriented elite equity funds. These provide potential yield in the economic upturn. Bond funds and alternative investments compose the satellites. Alternative investments improve the risk spreading of the portfolio, gold for example is recommendable as inflation protection. To entrust the assets to only one fund manager, entails substantial risks. Following the multi-manager-approach, a broad diversification of the assets to diverse fund managers is therefore part of the investment strategy.

 

 

 

• Multi-management of the funds of renowned fund management companies 
• Asset management following the core-satellite principle 
• Potential returns through growth topics and regions 
• Ongoing monitoring by independent securities experts 
• Top Ratings of the funds 
• Investing and provisions with elite funds as of EUR 50, - monthly payments 
• Funds available on short notice
• Transparent presentation of all funds on the account statement 
• Risk category: Increased 


Please especially note the following increased risks - price risk, foreign exchange and currency risk, liquidity risk, issuer risk and market risk - which can lead to high capital loss.
This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

Funds-of-Funds Basket BEST GARANT

Tax friendly investment - flexible and in line with the market

 



The Funds-of-Funds Basket bundles several excellent umbrella funds in one portfolio. This way, the investor benefits twofold: for one, the investor utilizes the expertise of different umbrella fund managers and for another, the fiscal advantages. Even after 2008, umbrella funds are tax friendly in Germany, because restructuring within the umbrella fund have no impact on the investor concerning the withholding tax. Asset managing umbrella funds with top marks of the rating agencies - those that are included in Best Select - rearrange flexibly according to the market situation between the asset classes such as shares, pensions and money market and are therefore a withholding tax friendly solution.

 

 

 

• Asset management with umbrella funds 
• Several renowned umbrella funds in one portfolio 
• Expertise of different umbrella fund managers 
• Single premium as of Euro 2.500, - and plan variant as of Euro 50, - a month
• Umbrella funds continue to be tax-friendly 
• High flexibility of umbrella funds through variable emphasis of the asset classes 
• Funds available on short notice
• Risk category: Moderate 

 

 


Please especially note the following risks - price risk, foreign exchange and currency risk, liquidity risk and issuer risk - which can lead to capital loss. The tax treatment depends on the personal circumstances of the customer and can be subject to change in the future. This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

Investment-FUNDs BASKET BEST GARANT - Making provisions with guaranteed earnings and capital

Saving and making provisions for a carefree life



 

Many investors feel the need for more stability and predictable income. Taking control of safeguarding one's own future is the motto of BEST GARANT Investment-Funds Basket. The BEST GARANT asset management connects chances on the global growth markets with the stability of a capital- and profit-guaranteed investment. The participation in the world's growth markets is a useful strategy in the framework of a diversified basic provision. A professional asset management by securities and industry experts ensures a professional and flexible management. An income and earnings guarantee is secured for customers in a transparent and comprehensible manner as the center of the investments is composed of a European high quality bond with first-class credit rating.

 

 

• Asset management following the core-satellite principle 
• Ongoing monitoring by independent securities experts 
• Capital guarantee through European high quality bond with first-class credit rating* 
• Earnings guarantee of 10% or 15% over the term of approximately 10 years * 
• Chance of additional income from elite funds 
• Provisions as of EUR 2.500 single premium or as of EUR 50, - a month possible 
• Transparent presentation of all titles on the account statement 
• Risk category: Insignificant * 


* Capital guarantee as well as 10% or 15% earnings guarantee cumulated over the entire term as well as classification of risks with "insignificant" are effective in compliance with the term of approximately 10 years (= end of the term of the zero coupon bond) and repayment of the zero coupon bond to 100 by the respective bond issuer. Capital guarantee amount and calculation basis for the earnings guarantee is the investment amount = assessed capital after deducting the processing fee and fees/expenses according to terms as well as individual taxes (for example capital gains tax).

 



Please note that the following types of risks (credit risk, interest rate and price risk, foreign exchange risk, liquidity risk, issuer and market risk) can lead to fluctuations of the depot value during the term and the termination of the asset management product before the agreed end of contract (=end of term of the zero coupon bond) can induce capital loss and income loss.
This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

Partner Bank Physical GOLD ACCOUNT

Gold bullions - an element of the basic provision

 



At the Partner Bank gold of the highest quality 999,9 Fine Gold, 24 carats with „Good Delivery" guarantee of quality can be purchased. 
Since the value of the gold is subject to fluctuations, the Partner bank also offers investors the possibility of building a gold account gradually with regular purchase of small amounts of gold over a longer period of time. With this monthly gold investments, investors can acquire gold bullions simply and comfortably and benefit from a possible Cost Average effect: When prices are low more gold is bought and less when gold prices are high. 


 

• Gold bullions as material asset for uncertain times 
• Inflation protection 
• Gold of highest quality: 999,9 Fine Gold, 24 carats 
• Gold is kept to 100% in bank safe in Austria 
• Monthly Gold investments as of EUR 50, - and more
• Single premium as of EUR 2.500, - 
• Available on short notice through sale or delivery (as of 100g or a multiple of the amount) 
• Free of value-added tax 
• Increased value as of a retention period of one year in the private assets are tax-free in Austria 
• Risk category: Increased 


Please note that the price and exchange risk can lead to high capital loss.
This brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. Please note important legal information at the end of the page.

Important legal information for the clients

Brief description is not a basis for investment decisions or contracts and cannot replace an individual investment counseling. It is neither an offer nor a recommendation or request to purchase or sell securities (or gold bullions) or to invest in certain indices or specific markets. The brief description cannot include the individual needs in terms of income and willingness to take risks, the (individual) tax situation, the product-specific investment strategies, contract terms and risks etc. In addition to individual investment advice, the Partner Bank provides you with specific product information sheets and the current contract documents at the advisory meeting free of charge. The latest free sales prospectus of the issuer are available at the offices or on the website of the respective issuer. An investment in gold bullions is not an asset management product and no investment in securities.

 

 

Information on risks

Information on product-specific chances and risks are to be found in the investment counseling, the specific product information sheets as well as in the brochure "Kundeninformation" (customer information) of the Partner Bank or in the sales prospectus of the respective issuers. A positive performance in the past is no guarantee of future positive performance. The value and return of an investment may rise as well as fall. If the recommended or contractual term is not observed, the risk entailed in regard to fees, returns, value fluctuations, level of share prices etc. can materialize. Investments in foreign currencies can additionally be subject to value fluctuations due to exchange rates. No guarantee can be given concerning the capital invested, with regard to a specific performance or a certain income (except for guarantee products according to contractual terms).

 

 

Disclaimer


Contents are based on the state of knowledge and the market assessment at the time of writing. The tax situation may be subject to change. No liability for the accuracy, up-to-dateness and completeness of the contents. Rights to the contents are reserved until written consent. We reserve the right to make modifications.