How Does Raiffeisen Step Invest 2025 work?
The Raiffeisen Step Invest 2025 fund offers you an innovative way to invest gradually in the equity market while minimizing your entry risk.
Please note that from the fund launch on 11 November 2025, there will be a monthly reallocation from security-oriented investments to riskier equity investments, resulting in a higher fund risk for later entry dates.
The fund will start with an allocation of 1/12 to equities and 11/12 to money market investments. This will be reallocated to an investment in 100% dividend equities by October 2026.
How Does Raiffeisen Step Invest 2025 Invest?
At the beginning, 11/12 of the fund's assets are invested in money market investments. These are based on the money market in terms of security and liquidity and therefore show hardly any price fluctuations.
From December 2025, a monthly reallocation (1/12 of the fund assets per month) to global equities will take place until the long-term target of 100% equities is reached.
Fund Management
Our fund management draws on decades of expertise. The equity portfolio of Raiffeisen Step Invest 2025 is managed according to strict, sustainable ESG criteria*. This limits the number of investment opportunities.
In addition, the equity fund focuses on value equities—equities whose market price, in our opinion, is below their actual economic value. These are often companies with stable dividend payments. Over a longer investment horizon, value equities sometimes perform worse and sometimes better than the overall equity market.
When Entering the Capital Market in Stages, Please Note the Following:
Opportunities
By buying equities regularly, you can reduce the risk of entering the market at an unfavorable time.
Investment funds offer opportunities for higher returns, diversification, professional management, and access to a variety of markets.
Risks
Depending on market developments, a one-off investment may also prove advantageous.
Investment funds cannot escape general market developments and are subject to value fluctuations; both price gains and capital losses are possible.
 "Raiffeisen Step Invest 2025")
Contact us
Do you have any questions or would you like to find out more about Raiffeisen Step Invest 2025? Your Raiffeisen advisors will be happy to help.
* ESG stands for Environment (E), Social (S), and Governance (G).
The Raiffeisen Step Invest 2025 exhibit increased volatility, meaning that the share values are subject to significant fluctuations both upwards and downwards even within short periods of time, and capital losses cannot be ruled out. The fund regulations of the Raiffeisen Step Invest 2025 have been approved by the FMA. The Raiffeisen Step Invest 2025 may invest more than 35% of the fund's assets in securities/money market instruments of the following issuers: Germany, France, Italy, United Kingdom, Switzerland, United States of America, Canada, Australia, Japan, Austria, Belgium, Finland, Netherlands, Sweden, Spain.