FI Inflation PLUS

Q: Which indices are used to calculate the variable interest rate?

The indices used for the calculation are:– The S&P 500, comprising the 500 largest listed US companies– The MSCI World, looking at the performance of around 1,500 companies from 23 industrialized countries– The Euro Stoxx 50, comprising the 50 leading listed companies in the eurozone

Invest money safely

Diversify your portfolio by investing your money in a fixed-interest bond with regular distributions and a share of the market profits.

ISIN: DE000A3824S9

Listed on the Hamburg Stock Exchange

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Investing money with stability

By buying targeted bonds, you receive a fixed and constant return in times of negative market phases and secure market gains while preserving your capital.

Diversification of your investments

With just a single investment, you get a unique, diversifying instrument that includes fixed-income securities and offers reduced risk and simplified management.

From investing money to returns

Unlike banks, you achieve higher returns by buying bonds – without any conflicts of interest and in compliance with the highest standards of transparency and regulation.

Fixed-interest securities: the stability of a bond

What type of investment is a bond?

When purchasing a bond, the investor provides the issuer with capital and receives regular interest payments in return, as well as repayment of the invested amount at the end of the term.

1. purchase

In exchange for a bond, you pay money to a company or government.

2. due date

The company or government refunds the amount invested plus interest when the term ends.

FI Inflation PLUS bond for investing money

What isFI Inflation PLUS?

An investment product that combines security with opportunity. FI Inflation PLUS is a fixed-interest corporate bond designed for investors who buy bonds and value predictable returns, while at the same time wanting to participate in the growth of global financial markets.

Bond terms and conditions

BASIC INFORMATION SHEET

Fixed interest^[1]

Each year you receive a fixed annual return of 5% per annum on your investments, regardless of market performance. Paid quarterly on March 31, June 30, September 30 and December 31 of each year.

Profit participation^[3]

You also receive a profit share on your fixed-interest securities corresponding to 20% of the average performance of three global indices: MSCI World, S&P 500 and Euro Stoxx 50. Payment on March 31 of each year.

Capital protection^[1,2]

You receive 100% of your investment back at the end of the term.

No hidden fees

There are no acquisition or ongoing costs or issue surcharges such as premiums or the like.

This material is for marketing purposes only and does not constitute advice on buying bonds or an offer to buy financial products. If you want to buy bonds or make an investment decision – even as a beginner – we recommend that you seek individual advice from a qualified financial advisor to find the right solution for you.

[1] The security of this product depends on the creditworthiness of the issuer and the effectiveness of the security mechanisms used. For further information, please refer to the official information document.

[2] Repayment of the invested capital is only guaranteed at maturity – subject to exceptional circumstances or unforeseeable events. You will also find more detailed information on this in the information document.

[3] Past performance is not indicative of future results. Every opportunity to invest money is associated with risks. Please read the full information document carefully.

Yields on fixed-income securities and investments constant

How are the returns calculated?

January 1

March 31

1/4 fixed interest
+
Profit participation

June 30

1/4 fixed interest

September 30

1/4 fixed interest

December 31

1/4 fixed interest

Timeline Verticale

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1. Januar

31. März

1/4 Fix-Zins +
Gewinnbeteiligung

30. Juni

1/4 Fix-Zins

30. September

1/4 Fix-Zins

31. Dezember

1/4 Fix-Zins

Returns in recent years

What would have happened to your investment in the past:

Those who invested in FI Inflation PLUS at an early stage were able to enjoy reliable interest income and additional market gains. Even in turbulent times on the stock markets, fixed-interest securities delivered stable returns with FI Inflation PLUS – demonstrating the potential of a clever combination of security and performance.

The returns are rounded to two decimal places in accordance with market practice. As the average shown is calculated from the already rounded values, it may deviate slightly from the exactly calculated average.