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ISIN: DE000A2ARYR2
|
WKN: A2ARYR
as at:

Investor's risk profile

Issue price

Redemption price

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Recommended holding period

Summary risk indicator
(SRI)

Morningstar overall rating™1

Scope rating1

Distribution type

funds with sustainability characteristics

What does sustainability mean for the ERGO Vermögensmanagement Robust?

The ERGO Vermögensmanagement Robust is classified as a product with environmental or social features (Article 8 product) in accordance with the EU Sustainable Finance Disclosure Regulation (SFDR). To achieve sustainability-related characteristics, we pay particular attention to the following ESG issues for companies and/or countries as issuers of equities and bonds:

Environment

  • Environmental protection
  • Efficient handling of resources
  • Reduction of greenhouse gas emissions
  • No nuclear power*
  • No genetic engineering*

Social

  • Equal rights
  • Respect for human and labour rights
  • Zero tolerance for banned and nuclear weapons
  • Exclusion of alcohol*, gambling*, tobacco and pornography*

Governance

  • Fighting corruption
  • Transparency and active dialogue with the companies

For more information on the Fund's sustainability strategy, the mandatory environmental and social features and a list of all exclusion criteria, please see: Link (sustainable disclosure pursuant to Art. 10 EU Sustainable Finance Disclosure Regulation (SFDR))


* Turnover tolerance 5% each

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Investment strategy

The Fund's objective is to achieve attractive value growth over the medium term, taking into account sustainable aspects. It invests worldwide in a variety of asset classes, such as equities and bonds, and via indirect investments in real estate, precious metals and commodities. The asset classes are defensively oriented, with equities usually accounting for up to 30 percent of the investments held. The Fund places a special focus on risk management in order to achieve moderate fluctuations in unit prices.

This fund may be suitable for you if you...

This fund may be suitable for you if you...

  • want to invest in a variety of asset classes with just one product
  • are looking for a defensive, broadly diversified investment and at the same time want to invest in a forward-looking and responsible manner
  • want sustainability to be considered when you invest
  • are looking for risk-controlled, solid earnings opportunities with rather low fluctuations in value and risks
  • wish to invest your capital over the medium term

Sustainability strategy

  • Preferential selection of securities (equities and bonds) from issuers who achieve their economic success with respect for the environment and society and who adhere to the principles of good corporate governance 
  • Has mandatory environmental and social characteristics (Art. 8 Product according to the EU Sustainable Finance Disclosure Regulation (SFDR))
  • Exclusion of companies and countries that are active in certain controversial business areas or that violate established, recognized standards. Exclusion criteria may include turnover thresholds.
  • Consideration of the principle adverse impacts of investment decisions on sustainability factors (PAI)
  • Minimum share of 8% in sustainable investments in accordance with the EU Sustainable Finance Disclosure Regulation (SFDR)
  • Sustainability analysis using the MSCI ESG Research and ISS ESG databases
Sustainability-related disclosure

Opportunities

  • Bonds: income from interest; market-related price increases in the event of a fall in interest rates or an improvement in the debtor quality of individual issuers
  • Equities: long-term earnings opportunities through price increases and dividends
  • Consideration of sustainable criteria in the investment policy
  • Increased earnings opportunities with investments in emerging markets, high-yield bonds and commodities
  • Exchange rate gains on investments in foreign currencies

Risks

  • Bonds: market-related price losses in the event of a rise in interest rates or deterioration in the debtor quality of individual issuers
  • Equities: price losses in the event of market-related price fluctuations or company-specific risks
  • Reduced choice of securities due to focus on sustainability
  • Increased fluctuation and loss risks with investments in emerging markets, high-yield bonds and commodities
  • Exchange rate losses with investments in foreign currencies

Performance of past 12 month periods (month end)

Status:

Past performance is not indicative of future returns.

Performance of past 12 month periods (month end)

Status:

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What if?

Performance in the period of an investment of EUR in .

Investment period

Gross value development excluding a front-end load in the selected period. Past performance information is not a reliable indicator of future performance.

Final amount:
Performance (gross) in the selected period: 
Average performance (gross) p.a.: 

Performance in the last 12-month periods

Period Gross Net
Past performance is not a reliable indicator of future returns.

Performance (gross)

Period Cumulated p.a.
Stand vom:

Maximum Upswing & Maximum Drawdown

High-low chart

Last Update:

Maximum loss: This ratio measures the maximum loss of an investment over a given period (e.g. 1 year) as a percentage based on daily closing prices. It shows the maximum possible relative loss, taking into account distributions, that an investor would have suffered if he had bought at the highest unit price and sold at the lowest within a given period. Calculation: maximum loss = (lowest unit price × 100 / highest unit price (time before the low point)) - 100. The maximum gain, taking into account distributions, is calculated in the same way (highest unit price × 100 / lowest unit price (time before high) - 100).

Information on performance

On 10.03.2021, changes were made to the Fund's investment policy. The performance shown for the period prior to these changes was therefore achieved under circumstances that are no longer valid.

The gross performance (BVI method) takes into account all costs incurred at fund level (such as management fees). The net performance also takes into account the issuance fee, which reduces the performance. For an investment amount of 1,000 euros, the investor incurs a one-time issuance fee of 4.0% (= 38.46 euros) upon issuance. Since the issuance fee is only charged in the first year, the gross/net performances only differ in this year. The investor may incur additional securities account fees that reduce the performance. Past performance is not a reliable indicator of future performance. Source: MEAG.

Note: On days that fall on a public holiday or a weekend, the price of the previous day or the last available price is used, as it is not possible to determine a price on these days.

Fund key figures

Average yield: %avIntRate%%
Average return: %avRoR%%
Average remaining term (in years): %avResidTerm%
Volatility³ p.a. (3 years): %3yVOL%%

as at: %Datefrom%

Master data

Fund name ERGO Vermögensmanagement Robust
Fund type Global mixed fund
Investor type  Defensive
Unit class -
ISIN DE000A2ARYR2
Date of issue / formation of the unit class 15.03.2017
Investment term  at least 4 years
SFDR category Art. 8

Further fund data

Fund currency Euro
Fiscal year-end 31.03.
Fund manager Dr. Jochen Heubischl
Benchmark index 9% STOXX Europe 600 – NR; 6% S&P 500 hedged in EUR – NR; 3% MSCI Emerging Markets – NR; 62% Bloomberg Barclays Euro Aggregate - TR; 15% Bloomberg Barclays US Aggregate - TR; 5% JPM EMBIG Diversified hedged EUR– TR
Use of profits Distributed
Profit distribution date June
Partial tax exemption  15%
Custodian BNP Paribas S.A., Niederlassung Deutschland
SRI 2
Savings plan suitable yes
Suitable for employee capital formation no
Swing Pricing no
Guarantee no
Term unlimited
Sales authorisation Germany, Austria

Costs and fees

Current issuance fee 4.00%
Ongoing costs 1.08% (business year 2022/2023)
Current management fee p.a.  0.95%
Performance bonus  no

Target market data

Product category Retail fund (UCITS)
Sales channel Execution only | No consultancy required | Investment advisory services
Customer category Private customer | Professional customer | Suitable counterparty
Know-how and/or experience Suitable for investors with basic knowledge and/or experience of securities
Capacity to bear financial losses Investor can bear losses (no capital protection)
Risk assessment (SRI) 2
Investment target General capital accumulation/optimisation
Investment horizon Medium term (3 - 5 years)
Special requirements Sustainability

ESG Target market data

Classification according to the Disclosure Regulation Product according to Art. 8
Sustainability focus No ESG focus
Minimum share of sustainable investments pursuant to the Disclosure Regulation (Art. 2 No. 7 lit. b MiFID II delegated regulation) 8%
Minimum share of ecologically sustainable investments according to the Taxonomy Ordinance (Art. 2 No. 7 lit. a) MiFID II delegated regulation) 0%
Consideration of the most important negative effects (Art. 2 No. 7 lit. c) MiFID II delegated regulation) Company: Greenhouse gas emissions (Scope 1,2,3, total) | CO2 footprint | GHG intensity of invested companies | Exposure to fossil fuel companies | Proportion of consumption and production of non-renewable energy | Intensity of energy consumption and production of non-renewable energy | Activities that negatively impact biodiversity-sensitive areas | Water pollution | Percentage of hazardous waste | Violation of principles of the UN Global Compact Principles and OECD Guidelines for Multinational Enterprises | Lack of procedures and mechanisms to monitor compliance with the principles of the UN Global Compact and the OECD Guidelines for Multinational Enterprises | Unadjusted gender pay gap | Gender diversity on boards | Commitment regarding controversial weapons (anti-personnel mines, cluster munitions, chemical weapons and biological weapons) States: Greenhouse gas intensity | Investment countries where social violations occur

Sustainability strategy of ERGO Vermögensmanagement Robust 

 

The fund prefers to invest in securities (equities and bonds) of issuers that achieve their economic success with respect for the environment and society and adhere to the principles of good corporate governance.

The environmental and/or social characteristics promoted by the Fund include the following

  • Exclusion of companies and countries in accordance with the Fund's exclusion policy
  • Consideration of the impact of investment decisions on sustainability factors
  • A minimum proportion of sustainable investments in accordance with the EU Sustainable Finance Disclosure Regulation (SFDR).

These features are the mandatory elements of the Fund's sustainability strategy. Further information on the sustainability strategy of the Fund can be found here (section "Sustainability related information").

🛑 Exclusion criteria

The following exclusion criteria apply to the Fund.

Exclusion criteria for companies: 

  • Direct involvement in an ongoing, very serious ESG- related controversy ("red flag" according to MSCI ESG Research (hereinafter "MSCI")).
  • Companies with a sustainability rating of "CCC" according to MSCI
  • Tobacco (sales > 5 %)
  • Pornography and pornographic entertainment services (sales > 5 %)
  • Gambling (sales > 5 %)
  • Genetic engineering (sales > 5 %)
  • Prohibited weapons, i.e. cluster bombs, landmines, biological and chemical weapons and incendiary weapons using white phosphorus (0% tolerance on sales)
  • Nuclear weapons (0% tolerance on sales)
  • Nuclear power activities (sales > 5 %)
  • Uranium mining (sales > 5 %)
  • Conventional weapons, weapon systems, components and supporting systems and services (sales > 5 %)
  • Civilian firearms and ammunition (sales > 5 %)
  • Extraction of thermal coal (sales > 5 %)
  • Electricity generation from thermal coal (sales > 15 %)
  • Percentage of electricity generation from thermal coal (percentage max. 15%)
  • Developer of coal- fired power plants and/or infrastructure
  • Oil and gas production using unconventional methods (oil sands/fracking, sales > 5 %)
  • Serious violations of the ten principles of the UN Global Compact

 

Exclusion Criteria for Countries:

  • Countries with a sustainability rating of "CCC" according to MSCI (MSCI ESG Government Rating)
  • Non- free countries according to the Freedom House index ("not free")
  • Not a signatory to the Paris Climate Agreement
  • High levels of corruption (Corruption Perception Index below 30)
  • Countries subject to European Union (EU) sanctions

📋 Principle Adverse Impacts (PAI)

The fund management takes into account the most important indicators of adverse impact for each investment decision. These are used to examine possible negative effects of an investment decision on important ESG issues. 

14 key indicators of adverse impacts have been defined for companies and two for countries. These cover the following areas1:

  • Greenhouse gas emissions,  
  • Biodiversity,  
  • Water,  
  • Waste and
  • Social issues / Employee concerns. 

As part of the consideration, the fund manager regularly and for each investment decision checks whether the company or the issuer of the security has a negative impact on important environmental, social or corporate governance issues. If this is the case, the fund manager either does not acquire the security or actively tries to influence the issuer or the company, depending on the severity of the negative impact. The aim is to reduce the negative impact of an investment on the environment and society.

Information on the main adverse impacts on sustainability factors is available in the fund's annual report.

1For more details see ESG Target market data Link

📗 Sustainability Disclosure

For more information please follow this link.

1Awards
Past awards are not a reliable indicator of future performance and awards. Capital: The award refers to the fund company MEAG. Morningstar Overall Rating (TM) and Scope as at 31.10.2023. Data source - © Morningstar. Scope Analysis GmbH. All rights reserved. More at https://www.meag.com/de/investieren/privatkunden/unsere-ausgezeichneten.html.

2 Benchmark index:
Find out more about the composition of the benchmark index in the "Data" tab.

3 Volatility:
Data source – © Morningstar. All rights reserved. As at: 31.10.2023

Convenience translation only. The original German-language version of this document is definitive.