Volksbank Investments

We create opportunities.

Volksbank Investments was formed in 2008 from the integration of Volksbank Structured Investments and Volksbank Invest KAG to become a joint umbrella brand. The focus is on product components that “function" – and generate performance – in every market phase. At the core of the Volksbank Investments philosophy is the separation into market-related returns (beta investments) and market-neutral returns (alpha investments) – irrespective of whether they are issued as funds, certificates or insurance products.

Due to the bundling of funds and certificates competencies, Volksbank Investments is currently the only provider on the Austrian market which offers “The best of the whole world of investment from a single source!” Our mission reflects responsibility for reliable and sustainable investment solutions. At the same time, it also stands for respect for the ultimate unpredictability of the markets and for openness and flexibility.

Our job is to create opportunities to secure our customers’ financial future.

A high-performance product range with reliable investment solutions and portfolio components:

• Provision and asset management investments:
  One focus is the solutions for provisions and asset management – in addition to securing return, another key element is continuous accumulation of assets.
• Structured investments portfolio component:
  Broad range of products for taking advantage of current market opportunities.
• Bond investments portfolio component:
  Stable and secure form of investment –especially in particularly turbulent times.
• Equity investments portfolio component:
  Offers investors a selective product range of actively managed funds
• Alpha investments portfolio component:
  Serves as a valuable stabilising factor in any portfolio; market-neutral income (= alpha) significantly cushions potential losses.

Volksbank Investments offers prospective investors sustainability-oriented investment funds and certificates. The volume of sustainability-oriented products at Volksbank Investments has more than doubled since 2007. Fritz Strobl, Volksbank Investments: "With regard to the risk/return-adjusted performance, we can say that there is no difference in return between investments classified as sustainable and those classified as non-sustainable. As an investor, you receive the same performance and at the same time you know that you are acting responsibly and making an important contribution to a positive future."

Find further information on the Website of Volksbank Investments.

www.volksbankinvestments.com

Notes: The European Transparency Logo for Sustainability Funds indicates that Volksbank Invest Kapitalanlagegesellschaft m.b.H. undertakes to provide information correctly, appropriately and promptly so as to give interested parties, particularly clients, the opportunity to understand the approaches and methods of the sustainable investment of the fund in question.
Detailed information on the European Transparency Code can be found at www.eurosif.org. Information on the Volksbank-Mündel-Rent fund’s sustainable investment policy and its implementation can be found at: www.volksbankinvestments.com. The Transparency Code is managed by Eurosif, an independent organisation.

The Austrian ecolabel was awarded by the Austrian Federal Ministry of Environment for the “VBAG Fix Plus Garant 4/2011 and subsequent tranches”, the “Volksbank-Ethik-Invest” funds and the “Volksbank-Mündel-Rent” funds because the selection of bonds and shares was based on ecological and social criteria as well as economic criteria. The ecolabel guarantees that these criteria and their implementation are suitable for selecting corresponding bonds and shares. This has been reviewed by an independent authority. Being awarded the ecolabel does not provide any guarantee of the future performance of the certificate.

Volksbank Investment offers a focused product portfolio - according to the various customer needs.
Investors choose, depending on their specific requirements, whether the appropriate investment products as an Alpha- or Beta-vehicle to create an individual portfolio or as complete solutions that are already diversified.

All legal documentation concerning Volksbank Investments’ certificate issues can be found here:

Issuer Österreichische Volksbanken AG

Issuer Levade S.A.

Read more: http://en.volksbankinvestments.com 

Disclaimer:
The payout profiles presented and described (capital guarantee, participation, etc. ) in this marketing memorandum only apply at the end of the term. The present statements, including key figures (“value-at-risk data”, performance figures and others) serve only to provide non-binding information. This information is not a recommendation to buy or sell financial instruments. This information does not replace professional advice on the financial instruments described and, in particular, does not serve as a substitute for a comprehensive risk disclosure statement. Please contact your Customer Relationship Manager before making any investment decisions. This marketing memorandum constitutes neither an offer nor an invitation to make an offer to buy or sell financial instruments. If the financial instruments described therein are subject to the requirement to produce a securities prospectus in accordance with section 10 paragraph 2 of the Capital Market Act, the relevant prospectuses together with any modifying or supplementary information can be viewed at www.volksbank.com/prospekt. If they wish, interested parties may obtain a paper version of the prospectus together with any modifying or supplementary information from Österreichische Volksbanken-Aktiengesellschaft, Kolingasse 14-16, 1090 Vienna.
Prospectus advice:
The current versions of the investment funds prospectuses published including all amendments since first publication are available to interested parties at www.volksbankinvestments.com and in the head office and branch offices of the Volksbank Group.