Why save with certificates?
This is how Savings Plans with minimum price work
Enter into your preferred savings plan for an unlimited period.
Your fixed savings amount is automatically invested. The number of shares purchased varies depending on the price.
You participate in the positive performance of the stock market.
At the same time, a minimum price per certificate is protected at specific times.
You are flexible at any time.
Change your savings rate, take a break, or sell.
Setting a new minimum price and participation. Your savings plan continues.
Minimum price & participation
For every Certificate Savings Plan, the minimum price and participation are adjusted at certain times to adapt the product to the new market situation. The minimum price is only protected at these times. The exact timings vary from plan to plan. For more detailed information, please refer to the product information.
The minimum price will be equal to or higher than the previous one. The savings amount will continue to be invested as agreed, and already accumulated certificates will remain in your portfolio.
Savings Plans with minimum price
Österreich
With the
Certificate Savings Plan Austria,
you invest regularly and automatically in a domestic stock index. If the ATX® Index rises, investors benefit from positive performance. Every 6 years there is a planned anchor point at which the certificate has a protected minimum price. The savings plan can be concluded for an unlimited period. Investors can freely choose the entry and exit times as well as the monthly savings amount starting from 100 euros. The certificate savings plan is suitable for investors who expect a slightly rising or rising stock index.
ATX® is a registered trademark of Wiener Börse AG.
A certificate is not a savings account and is not covered by deposit insurance.
Minimum price
Buy price
Setting Minimum Price & Participation
Europa
With the
Certificate Savings Plan Europe,
you invest regularly and automatically in a European stock index. If the EURO STOXX 50® Index rises, investors benefit from positive performance. Every 6 years there is a planned anchor point at which the certificate has a protected minimum price. The savings plan can be concluded for an unlimited period. Investors can freely choose the entry and exit times as well as the monthly savings amount starting from 100 euros. The certificate savings plan is suitable for investors who expect a slightly rising or rising stock index.
Details about the EURO STOXX 50® Index and a current list of index members can be found on the website of the index provider STOXX Ltd.
A certificate is not a savings account and is not covered by deposit insurance.
Minimum price
Buy price
Setting Minimum Price & Participation
Global
With the
Certificate Savings Plan Global,
you invest regularly and automatically in an international stock index. If the MSCI® World 4.5% Decrement EUR Index rises, investors benefit from positive performance. Every 4 years there is a planned anchor point at which the certificate has a protected minimum price. The savings plan can be concluded for an unlimited period. Investors can freely choose the entry and exit times as well as the monthly savings amount starting from 100 euros. The certificate savings plan is suitable for investors who expect a slightly rising or rising stock index.
The MSCI World 4.5% Decrement EUR Index includes over 1,300 global stocks from 23 countries worldwide. The index methodology (PDF) and further information about the index can be found on the website of the index provider MSCI® by selecting the index from the dropdown menu.
A certificate is not a savings account and is not covered by deposit insurance.
Minimum price
Buy price
Setting Minimum Price & Participation
What should you keep in mind before buying?
The price of the certificate is subject of various influencing factors – including the performance of the underlying asset, its volatility, dividend expectations, as well as the interest rate level. This price can fall below the protected minimum price.
Issuer risk/creditor participation: There is a risk that Raiffeisen Bank International AG will not be able to meet its payment obligations due to insolvency (issuer risk) or possible official orders ("bail-in"). In such cases, the invested capital may be lost in full.
You are about to purchase a product that is not easy and difficult to understand. Further information can be found in the Base Prospectus (including any supplements) published at raiffeisencertificates.com/certificatesprospectus and approved by the competent authority, in the Key Information Document for the product and under "Customer information and regulatory information" at raiffeisencertificates.com/en/customer-information. The approval of the Base Prospectus by the competent authority is not to be understood as an endorsement of the product by this authority. We recommend reading the prospectus before making an investment decision.
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