Frequently asked questions
Here you will find answers to questions about investing and the basics of investing, tips on asset management, and frequently asked questions about our fund products. Find out now about all the opportunities that investment funds of Siemens Fonds Invest GmbH offer you.
An investment fund collects money from multiple investors. The fund manager invests the money according to a specific strategy, for example in equities or bonds. The value of your investment depends on the performance of the individual securities. A major advantage of investing in investment funds is risk diversification - the more different securities are contained in the fund, the better the risk is distributed.
- Risk diversification: Your money is spread across many different securities, so you don't put all your eggs in one basket - even with small amounts.
- Flexibility: When investing in investment funds from Siemens Fonds Invest GmbH, you don't encounter lock-up periods or minimum terms. You can flexibly adjust your savings plan, make one-time payments, or set up a withdrawal plan.
- Transparency: All important information, including a detailed asset statement for the respective investment fund, can be found on our website at any time.
- Insolvency protection: Your money is held segregated in a so called "contractual investment fund (Sondervermögen)," which means the money of investors is kept separate from the assets of the fund company at an external custodian. Should the fund company encounter financial problems, your investments remain unaffected.
Detailed information, including brochures and explanatory videos, can be found on the website of BVI (German Investment Funds Association) at www.bvi.de.
When purchasing fund units, a one-time purchase fee, the so-called entry fee (in German: Ausgabeaufschlag), may be incurred, as well as a redemption fee (or exit fee) when redeeming fund units. The amount of these fees depends on the type of fund - for equity funds, the entry fee is usually 5% of the investment amount. Siemens Fonds Invest GmbH does neither charge an entry fee nor a redemption fee for its investment funds.
Additionally, there is an ongoing charge for managing the fund. These costs vary depending on the fund - equity funds usually have higher costs than funds that invest in fixed-income securities. Siemens Fonds Invest GmbH keeps these costs low; information about the costs can be found in the respective fund information (for example, in the fact sheet or on the fund subpage).
Depending on the bank, there may also be a custody fee. This is charged by the respective bank independently of the fund company.
The entry fee is a one-time fee when purchasing fund units. The amount varies depending on the type of fund and fund company. For equity funds, it is usually 5% of the investment amount. Siemens Fonds Invest GmbH does not charge n entry fee for its investment funds.
There are different types of funds, for example:
- Equity funds (invest in company stocks)
- Bond funds (invest in fixed-interest securities/bonds, e.g. corporate or government bonds)
- Mixed funds (combination of equities and fixed-income securities/bonds)
An overview of the investment funds from Siemens Fonds Invest GmbH can be found at www.siemens.de/fonds. There you can filter or sort the funds by investment focus.
Accumulation: The fund automatically reinvests income (e.g. dividends, interest). The money stays in the fund and can continue to grow.
Distribution: The fund regularly pays out the earnings to investors. They can use the payout or reinvest it themselves.
Both variants have advantages and disadvantages, depending on investment goals and tax aspects.
Information about which of our investment funds are accumulating and which are distributing can be found in the respective fund data sheet (fact sheet), on the respective fund subpage, or in the respective fund overview at www.siemens.de/fonds.
Investment funds of Siemens Fonds Invest GmbH are not the same as Siemens shares. While Siemens shares are issued by Siemens AG and represent a stake in Siemens AG, the investment funds of Siemens Fonds Invest GmbH invest in various securities - for example, in equities or bonds of companies or governments.
An investment in investment funds is possible even with small amounts, as many fund companies offer savings plans starting from 25 euro per month. For one-time investments, the minimum amount depends on the fund. With investment funds from Siemens Fonds Invest GmbH, one-time investments are possible from 1 Euro, with the exception of two funds.
Details can be found in the respective fund data sheet (fact sheet), on the respective fund subpage, or in the respective fund overview at https://www.siemens.en/funds.
To buy a fund, you need a securities account, which you can open with a bank or an online broker. Through this account, you can buy the fund units directly from the fund company.
While purchasing through the stock exchange is often possible, it is usually not ideal for private individuals as there may be price differences and additional fees.
You can use your existing securities account if your bank offers our funds. You can easily check this in your online banking. Each fund has a unique identification number (ISIN/WKN) that begins with "DE" and is listed in the fund documents.
Important: Make sure that the purchase is ideally made directly from the fund company. Purchasing through the stock exchange is often unfavorable for private individuals (due to price differences and additional fees).
If you are unsure, ask your bank.
The Equate Plus securities account is only intended for Siemens employee shares and cannot be used for other investments.
Siemens Fonds Invest GmbH does not charge an entry fee for its investment funds, and the running charges are comparatively low. Thanks to good performance and fair costs, our funds have received multiple awards.
Anyone can invest in investment funds from Siemens Fonds Invest GmbH, not just Siemens employees.
The investment funds of Siemens Fonds Invest GmbH are actively managed by experts who make targeted investment decisions. ETFs, on the other hand, are passive funds that simply replicate an index such as the DAX or S&P 500. It is often said that ETFs are cheaper than actively managed funds - but this is not always true. Some funds from Siemens Fonds Invest GmbH, are as affordable as ETFs. This combines the advantages of both worlds.
The investment funds are issued by Siemens Fonds Invest GmbH. Siemens Fonds Invest GmbH is a 100% subsidiary of Siemens AG.
We are happy to answer your questions about our investment funds.
Your question wasn't included? Send us an email. vermoegensanlagen@siemens.com.