s Kapital Sparen Select

With Kapital Sparen Select, you put 50% of your money on a capital passbook or account with a fixed interest rate of 0.750 % p.a.* and invest the other 50% in selected ESPA funds, thus making use of the return potential of an investment in securities.

This combination is the best possible mix for a profitable investment of your assets. Safe as always with s Kapital Sparen of Erste Bank but also easy and convenient through the professional fund management services of ERSTE SPARINVEST.

Depending on your investment goal and return  expectations, you can choose from among various funds, incl
ESPA BOND EUROPE and
ESPA SELECT BOND
- invest primarily in euro government euro bonds
- ensure high consistency
ESPA PORTFOLIO TARGET and
ESPA SELECT INVEST
- suitable for dynamic investors
- attractive return prospects
ESPA SELECT STOCK and
ESPA BEST OF WORLD
- suitable for dynamic investors
- high return prospects in the long run
Erste Best Garant-Bonds- high consistency through capital protection
- attractive return prospects
s Garantie-Concept- high consistency through capital protection
- attractive return prospects


* Kapital Sparen Select combines a 12-month s Kapital Sparen savings scheme with a fixed interest rate of 0.750 % p.a. and an investment in ESPA funds, Erste Best Garant-Bonds or s Garantie-Concept. In order to invest through s Kapital Sparen Select, you need a total of no less than 5,000 euros (for investments in ESPA funds or Erste Best Garant-Bonds) and 10,000 euros respectively (for investments in s Garantie-Concept) - at least 50% of this money is invested in the ESPA funds, Erste Best Garant-Bonds or s Garantie-Concept listed above. At the same time (within one week at the most), an s Kapital Sparen Select passbook or account is opened. In the event that the fund purchase is cancelled subsequently or the investments in ESPA funds, Erste Best Garant-Bonds or s Garantie-Concept are delayed, the 1.000 % interest rate for s Kapital Sparen Select passbook or account is forfeited.

In this case, the savings account is automatically readjusted to the current interest rate for an s Kapital Sparen with a 12-month commitment. Investments in the indicated ESPA funds are placed in accordance with the currently applicable terms.