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Factsheet
10. Juli 2026
Sauren Retirement Fund
The Sauren Retirement Fund 0.3 FM is a modern multi-asset fund with a moderate risk/return profile and broad global diversification. It offers a solution for investors approaching or already in retirement who are looking for a flexible investment with regular distributions.
Information on methodology, scope of analysis, and ranking can be found under each award.
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Expect more freedom in retirement
Sauren Retirement Fund (Class A)
The Sauren Retirement Fund is an asset-management fund of funds. It follows the Sauren investment strategy, which has been proven since 1999 and has won numerous awards. The fund is broadly diversified across various asset classes worldwide and has a moderate risk/return profile.
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Sauren Retirement Fund (Share Class 0.3 FM)
The Sauren Retirement Fund (Share Class 0.3 FM) pays out 0.3% monthly. The payout ratio remains stable to provide investors with the greatest possible predictability. Investors can choose to receive the payout on a monthly basis.
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The Benefits of the Sauren Retirement Fund
Monthly Distribution
A fixed monthly distribution of 0.3% (approx. 3.6% per year), regardless of the fund's performance.
Flexible Investment
You can increase or decrease your investment on any trading day.
15 percent partial exemption
A portion of the income remains tax-free, which can be an advantage compared to investments without a partial exemption.
Sauren's Proven Investment Strategy
Since 1999, we have been following a proven, award-winning investment strategy and diversifying our portfolios globally across various asset classes.
What You Should Know About the Retirement Fund
Fact Sheets on the Retirement Fund
Factsheet
10. Juli 2026
Monatsultimo [A]
We have received numerous awards
Information on methodology, scope of analysis, and ranking can be found under each award.
Enter into conversation with us
Whether sales partners or investors: We answer questions about our approach, funds, and categorization and show you how we make decisions.
Legal Notices
This is a marketing advertisement. Please read the prospectus and the key investor information document—which must be provided to every investor prior to purchase—before making a final investment decision. This information does not constitute an offer or a solicitation to purchase investment fund shares. Please refer to the current prospectus for information on opportunities and risks. The binding basis for purchasing a fund consists of the Key Investor Information Document, the currently valid prospectus containing the terms and conditions of the contract, the management regulations or investment terms, the most recently published and audited annual report, and the most recently published unaudited semi-annual report, all of which are available free of charge in German from Sauren Fonds-Service AG, P.O. Box 10 28 54, 50468 Cologne (see also www.sauren.de) and at the management company IPConcept (Luxembourg) S.A., société anonyme (see also www.ipconcept.com) or—for the Sauren Dynamic Absolute Return fund—at the asset management company HANSAINVEST (see also www.hansainvest.de). The management company may decide to revoke the arrangements it has made for the distribution of the funds in accordance with Article 93a of Directive 2009/65/EC and Article 32a of Directive 2011/61/EU. Further information on investor rights is available in German on the website of the management company IPConcept (Luxembourg) S.A. (https://www.ipconcept.com/ipc/de/anlegerinformation.html) or—for the Sauren Dynamic Absolute Return fund—at the asset management company HANSAINVEST (https://www.hansainvest.de/de/unternehmen/compliance/compliance-details/zusammenfassung-der-anlegerrechte) is available for viewing. Tax treatment depends on the individual circumstances of each investor. In particular, recipients are advised to review the information—if necessary, with the assistance of an advisor—to determine its compatibility with their personal circumstances and to assess any legal, regulatory, tax, and other consequences. No assurance can be given that the investment objectives will be achieved. This promotional communication is intended exclusively for prospective investors in countries where the funds mentioned are authorized for public distribution.
Opportunity & Risk
Opportunities:
Participation in the appreciation of value across various asset classes
Attractive performance with a moderate risk-return profile
Added value compared to the market average due to successful fund manager selection
Active fund-of-funds management and ongoing monitoring of portfolio positions
Risks:
Risk of a decline in share value due to general market risks (e.g., price, currency, or liquidity risks)
Risks arising from the target funds selected for the fund of funds and the investment universe, including those arising from the equity, bond, currency, and derivatives markets, among others
Risk of increased price volatility of the fund shares due to the composition of the fund of funds or the possible use of derivatives
Specific Risks Associated with Absolute Return Strategies (e.g., from derivatives)
In general, every investment carries the risk of a loss of principal.
Risk that the investment objectives of the fund of funds or the underlying funds will not be achieved
More detailed information on the opportunities and risks can be found in the current prospectus. It also contains further information on the 0.3 FM, A, and H share classes.