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ERSTE Future Invest Garant (III) 21-32


2021/10/22 17:25:26
Bid Ask
96.85 -
Difference -0.31% (-0.30)

General attributes

IssuerErste Group Bank AG
Product typeGuaranteed products
Minimum redemption price100.00%
UnderlyingSolactive ERSTE Future Invest Index VC

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Key Information DocumentPDF Download

Information about previous performance does not guarantee future performance.
Source: FactSet
Advantages Risks you should be aware of
  • Globally diversified investment mix with automatic risk control.
  • 1:1 participation in the positive performance of the Solactive ERSTE Future Invest Index VC.
  • Erste Group Bank AG will set quotes for this product during the term, nevertheless, is not obliged to it.
  • Redemption of at least 100.00 % of the nominal amount at maturity and therefore protection against possible capital losses.
  • The entitlement for redemption at 100.00 % of nominal amount by Erste Group Bank AG applies only at maturity.
  • During the term prices are fluctuating and premature sales can lead to capital loss.
  • The extent of investment in the Solactive ERSTE Future Invest Index VC may vary between 0 % and 100 %.
  • This bond is not covered by any deposit guarantee scheme. Investors are exposed to the risk that Erste Group Bank AG may not be able to meet its obligations arising from the bond in the event of insolvency or over-indebtedness or from an official order (bail-in regime). A total loss of invested capital is possible.

Secondary market

During the term it is possible to sell the product during the trading hours at the exchanges, where the product is listed.

2021/10/22 17:25:26
Bid Ask
96.85 -
Difference -0.31% (-0.30)

General attributes

IssuerErste Group Bank AG
Product typeGuaranteed products
Minimum redemption price100.00%
Issue date2021/08/31
Stock exchangeVIE
UnderlyingSolactive ERSTE Future Invest Index VC
Nominal amount1,000.00

Guaranteed products | Description

The ERSTE Future Invest Garant (III) 21-32 refers to the Solactive ERSTE Future Invest Index VC as underlying, has a fixed term of 11 years and will be redeemed on 31/08/2032 (maturity). During the term there is no interest payment and investors do not receive any other proceeds.

The redemption at maturity depends on the performance of the underlying. Redemption is at least 100.00 % of the nominal amount (minimum redemption amount). The participation on the positive performance of the underlying is uncapped.

Upon maturity the performance of the underlying is looked at: in case of a positive index performance investors receive this positive performance in addition to the nominal amount. In case of a negative performance, the capital protection applies and investors receive 100% of the nominal amount.

With the ERSTE Future Invest Garant bond investors have the opportunity to invest in 5 megatrends with just one product. These megatrends are:

  • Health care 
  • Lifestyle
  • Technology & innovation
  • Environment & clean energy
  • Emerging markets

The index that investors participate 1:1 with this bond is the Solactive ERSTE Future Invest Index VC. It invests in 10 exchange-traded investment funds (ETFs), which passively invest in recognized financial market indices and reflect them efficiently. An additional risk control controls the degree of investment of the ETF portfolio and a money market investment. The ETF portfolio consists of 7 megatrend equity funds and 3 bond funds on sustainable corporate and emerging market bonds. 

In calm market phases, the index invests mainly in the ETF portfolio. In uncertain and turbulent times, it may be advisable to make the investment more defensive and increase the money market share. Therefore, the index automatically reduces the degree of investment in the ETF portfolio as its volatility rises above 7 %. As a result, the money market share will increase and the ETF portfolio will be proportionately reduced, which can reduce the risk. The extent of the automatic switching to the money market depends on the volatility. When the market calms down, the degree of investment is increased again accordingly.

Details on the index can be found at the website of the index provider Solactive AG:

Price information

Today open97.60
Today high97.60
Today low97.60
Close (previous day)97.90
Spread in %-
Spread absolute-
High price (52 weeks)102.25
Low price (52 weeks)97.55


Performance YTD in %-
Performance 1 month in %-2.40%
Performance 6 months in %-
Performance 1 year in %-
Performance 3 years in %-
Performance 5 years in %-
Performance since inception in %-


In our know-how area you can find all relevant details on the different types of certificates. The tutorial gives you selected information about the functionality of structured products and assists you in making your investment decision. In our glossary we explain the most important keywords and within the FAQ section you can find answers to the most common questions concerning this topic.


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