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YOU INVEST Active EUR

Multi-strategy absolute return fund

Data as of: 29.11.2021

Investment Policy The objective of the Fund is to maintain appropriate liquidity levels and to achieve performance stability. Up to 50% of the Fund’s
assets are invested in equities, directly or through equity funds. Equity exposure is subject to active management and may
Investment Policy range between 0 and 50%. As of June 25, 2018, the value of the fund share was diminished, applying a
conversion factor equal to 100, according to the Financial Supervisory Authority decision no 173 dated 14.06.2018.

Current market management November was a bad month for risky assets: negative returns were seen across major equity markets (-2.3% for MSCI World
comment index), with US equities retreating -0.8% (S&P 500 index), while European counterparts fared worse with a -2.6% decline (Stoxx
600 Index). HY bonds also suffered, with negative returns of -0.6% for EUR instruments and -1% for US bonds. The search for
safer assets translated into marginal positive returns for IG credit (EUR & US). The best performing asset class of November
was high quality government bonds (US, Germany). The risk-off mood was primarily triggered by fears regarding the potential
disruptions to the recovery posed by the Omicron variant of the coronavirus. Sentiment turned sour as market participants
weighed the risks of new lockdowns and a prolonged pandemic outlook. We continue to monitor markets closely, as uncertainty
surrounding the outlook is still at high levels and market sentiment can change quickly.

Fund key facts Net asset value EUR 9,49 Mio.

Day of first issue 25.04.2013
Fund financial year 01.01. to 31.12.
Purchase Fee up to 1,00%
Redemption fee 0,00%
Management Fee 1,00% p.a.
Disclosure Regulation -
Risk type according to KIID 2 1 2 3 4 5 6 7
Recommended holding period minimum 7 years
Custodian bank Banca Comerciala Romana S.A
Investment company SAI Erste Asset Management S.A.
Contact office@erste-am.ro

Share classes Share certificate type ISIN Currency Unit price

Accumulating share ROFDIN0001V1 EUR 31,0049

Performance annualized 1 Since fund inception 1 year 3 years 5 years 10 years

2,55% 8,56% 5,76% 3,82% -

Yearly performance 1 Year 2016 2017 2018 2019 2020

Performance 1,32% 5,24% -7,20% 11,42% 2,58%

Performance 1 Min / Max performance annualized 1

125 %

23,3 %
120 % 1 Year
-11,7 %
6,5 %
115 % 3 Years
-3,6 %
4,2 %
110 % 5 Years
-2,6 %
3,4 %
105 % 6 Years
-0,9 %
2,8 %
100 % 7 Years
0,3 %
3,3 %
95 % 8 Years
2,1 %

90 %
12/2016 12/2017 12/2018 12/2019 12/2020 -40 -20 0 20 40

Adjusted calculated value (basis 100) between 29.11.2016 to 29.11.2021 ■ Minimum ■ Maximum

1 Presented performance (time-weighted rate of return) includes fees paid by the fund. Any other fees, that might be applicable on purchase, any individual transaction
specific costs or ongoing costs or costs imposed by the credit institution maintaining the clients custody account are not considered. Past performance is neither a
reliable indicator nor a guarantee for the future performance of a fund.
2 KIID: Key Investor Information Document

1|2
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YOU INVEST Active EUR

Multi-strategy absolute return fund

Portfolio Allocation Asset classes – fund of funds Top 5 Holdings

Equities 42,82% PICTET-USA INDEX I DL 18,91%

Bonds 38,99% ERSTE STOCK GL R01TEO 7,57%
Alternative strategies / Other 9,25% ERSTE RESERVE EO VTAEO 7,50%

Money market / Short-term investments 8,95% BCR-AM CLAVIS 5,87%

0 10 20 30 40 50 ERSTE BD USA HY R01VTAEO 5,40%
0 10 20

Advantages for the investor Risks to be considered

 Fund shares may be purchased or redeemed at any  Investments on the capital market are influenced by
time market price fluctuations
 Improved risk-return ratio due to regional and global  Investment objectives may not be achieved, resulting
diversification in losses for investors
 Access to a wide range of asset classes with reduced
costs
 The expertise of the fund manager

This is an advertising material. Previous performance of the Fund is not a guarantee of future results! Please read the prospectus and the key investor document (KIID) before investing in fund! The Prospectus and the
key investor document (KID) are available in Romanian and English language on www.erste-am.ro and may be obtained from the agencies/units pertaining to the Romanian Commercial Bank and from the premises
of SAI Erste Asset Management S.A.

Media owner and publisher: SAI Erste Asset Management SA, 92 Aviatorilor Bvd, Bucharest 1, office@erste-am.ro/ www.erste-am.ro 2|2
Producer: Erste Asset Management GmbH, Am Belvedere 1, A-1100 Vienna contact@erste-am.com / www.erste-am.at / Place of publication: Bucharest