as at:

Investor's risk profile

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Morningstar overall rating™1

Scope rating1

Distribution type

funds with sustainability characteristics

What does sustainability mean for the ERGO Vermögensmanagement Ausgewogen?

The ERGO Vermögensmanagement Ausgewogen 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:


  • 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*


  • 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


Investment strategy

The Fund's objective is to achieve attractive value growth in the medium to long term, taking ecological and social criteria into account . Investments are made worldwide in a variety of asset classes, such as stocks and bonds as well as – through indirect investments – real estate, precious metals and raw materials. The aim here is to achieve a balanced ratio between promising and more defensive asset classes; the equity quota is usually between 35 and 65 percent.

Sustainability strategy



Performance of past 12 month periods (month end)


Past performance is not indicative of future returns.

Performance of past 12 month periods (month end)


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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.

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Performance in the last 12-month periods

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Performance (gross)

Period Cumulated p.a.
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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 Ausgewogen
Fund type Global mixed fund
Investor type  Balanced
Unit class  -
Date of issue / formation of the unit class 15.03.2017
Investment term  at least 5 years
SFDR category  Art. 8

Further fund data

Fund currency Euro
Fiscal year-end 31.03.
Fund manager Dr. Jochen Heubischl
Benchmark index 18% STOXX Europe 600 – NR; 12% S&P 500 hedged in EUR – NR; 5% MSCI Emerging Markets – NR; 43% Bloomberg Barclays Euro Aggregate - TR; 15% Bloomberg Barclays US Aggregate - TR; 7% JPM EMBIG Diversified hedged EUR– TR
Use of profits  Distributed
Profit distribution date June
Partial tax exemption  15%
Custodian  BNP Paribas S.A., German branch
SRI  3
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 4,5%
Ongoing costs 1,30% (business year 2022/2023)
Current management fee p.a.  1,15%
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 of and/or experience with securities
Capacity to bear financial losses Investor can bear losses (no capital protection)
Risk assessment (SRI) 3
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) 10%
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) Unternehmen: Treibhausgasemission (Scope 1,2,3, total) | CO2 Fußabdruck | THG Intensität der investierten Unternehmen | Engagement in Unternehmen, die im Bereich der fossilen Brennstoffe tätig sind | Anteil des Verbrauchs und der Erzeugung von nicht erneuerbarer Energie | Intensität des Energieverbrauchs und der Erzeugung von nicht erneuerbarer Energie | Aktivitäten, die sich negativ auf biodiversitätssensible Gebiete auswirken | Wasserverschmutzung | Anteil gefährlicher Abfälle | Verstoß gegen Grundsätze des UN Global Compact Principles und OECD Richtlinien für multinationale Unternehmen | Fehlen von Verfahren und Mechanismen zur Überwachung der Einhaltung der Prinzipien des UN Global Compact und der OECD-Leitsätze für multinationale Unternehmen | Unbereinigtes geschlechterspezifisches Lohngefälle | Geschlechtervielfalt in Aufsichtsgremien | Engagement gegenüber kontroversen Waffen (Antipersonenminen, Streumunition, chemische Waffen und biologische Waffen) Staaten: Treibhausgasintensität | Investitionsländer, in denen es zu sozialen Verstößen kommt

Sustainability strategy of ERGO Vermögensmanagement Ausgewogen

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 Disclosure Regulation.

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

📋 Principle Adverse Impacts (PAI)

📗 Sustainability Disclosure

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

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

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