- Take part in the stock market
- Including low capital investment
- Profit from different types of investments
Investment to optimize returns
Optimize your investment portfolio with certificates. You can benefit from different investment developments starting with small amounts without having to directly invest. Like this, you can climb in the stock exchange business.
Certificate are bearer bonds. As an investor, you borrow bank issued money. Reciprocally, you get returns dependent on developed pre-established value.
An underlying asset can be, for example, an individual stock, an index, a commodity or a mixture of different values. Certificates are available in both fixed and indefinite terms.
Your advantages with certificates
Investment with low capital investments
Broad investment spectrum
Guaranteed principal amount from issuer as repayment.
Limited duration time in capital protection certificates
Attractive yield opportunities even in unfavorable basic value performance (security buffer by certificates with partial security)
Your risks with certificates
Risk of loss due to issuer insolvency
Risk of exchange rate loss
Certificate rate is dependent on performance of the basic value
Losses in foreign exchange rate fluctuations of securities, denominated by foreign currencies
No capital guarantee certificates with partial security and return optimization
With partial security certificates, there is a limited payment, a risk of rate loss, no claim for current distributions and a right to early certificate repayment for the issuer.
Certificates with capital protection
With capital protection certificates, you receive the agreed return at maturity. If the basic value at maturity lies at a lower rate than your initial rate, the guaranteed amount is still safe. You also benefit from annual interest or bonus payment opportunities.
Certificates with partial protection
With partial protection certificates, you protect your capital within set limits. This means, you determine the amount, intercepted up to the losses. An investment in certificates with partial protection is suitable for a short- to medium-term investment.
Certificates with yield enhancement
Certificates with yield enhancements offer the greatest potential returns. On the other hand, you give up the protection on your created capital. You take part in the development of the basic value. If this value falls under the basic value price, the loss is directly recognized in the rate of the certificate. A total loss of capital is possible. Positive developments will take you in full.
Determine your risk class
Your suitable certificate depends on your personal risk tolerance. Typically, certificates should be used to mix your investment portfolio. In order to handle a complete lost, you should invest accordingly. We are happy to advise you in a personal financial advising appointment.
Important information regarding the risks of investment products
The information provided here contains only general information on individual types of financial instruments. They do not constitute nor do they substitute the opportunities and risks of the investment products in a detailed banking consultation. Detailed information on individual investment strategies and investment products including related risks, execution venues and costs and related charges are suggested by your Volksbank Kaiserslautern eG before implementing an investment decision in the framework of a consultation.