Wealth Management by Raiffeisen
Founded in 1987, Raiffeisen Capital Management (Raiffeisen Kapitalanlage GmbH) is now one of austria's leading asset manager.
 "Was bietet die Raiffeisen Vermögensverwaltung?")
What does our Wealth Management offer?
Professional portfolio management
Structure and risk management
Broad diversification
Transparent costs
Our Wealth management explained briefly
We, the wealth management team, invest your money with experience, method and responsibility – in line with your goals.
Relief when making investment decisions: We make the investment decisions for you.
Structured investment process: Clear investment process instead of gut feeling.
Transparent: Clear costs, understandable reporting.
Flexible: Adjustments to your portfolio as needed.
Investment decisions are often complex and time-consuming. This task can be entrusted to a professional asset manager. Portfolio managers actively take on the management of a client's private assets and make independent investment decisions.
How it works
You define your goals and parameters – we take care of the ongoing selection, management and monitoring of your portfolio.
 "Wealth management: it all starts with a consultation")
As asset manager of Raiffeisen Capital Management, we take care of the following for you:
Portfolio management & implementation: We implement the agreed strategy efficiently.
Research & investment process: Analysis of markets, sectors and individual securities.
Risk management: Ongoing monitoring of risks and limits.
Sustainability (depending on the line): ESG integration according to defined criteria.
Reporting & communication: Regular reports and updates.
Support from Raiffeisenbank:
Your Raiffeisenbank will open your securities account and provide you with personal advice. We work closely together to ensure seamless support. If you are not yet a Raiffeisen customer, we will be happy to arrange an appointment with your local Raiffeisenbank.
Two examples – classic or sustainable, each with a clear framework.
VIP product line for wealth management
Raiffeisen VIPclassic 75
Raiffeisen VIPclassic 75 invests primarily in global bonds and equities, with the equity component limited to a maximum of 75% of the portfolio assets. In line with the principle of diversification, other investments (e.g. commodity-oriented investments, real estate investments or hedge funds) may be held in an amount of up to 15% of the invested assets, with the proportion of hedge funds limited to 10% of the total portfolio.
Raiffeisen VIPnachhaltig 75
Raiffeisen VIPnachhaltig 75 invests primarily in global bond and equity funds, with investments in equity funds limited to a maximum of 75% of the portfolio assets. The fund invests predominantly in funds that have been classified as sustainable on the basis of ESG criteria (ESG = environmental, social, corporate governance).
Similarities
Growth-oriented approach with higher equity exposure
Professional management, ongoing monitoring and reporting
Flat-rate fee (all-in) as fee model
Significant differences
Investment universe: Raiffeisen VIPclassic broad & flexible; Raiffeisen VIPsustainable with additional ESG criteria/exclusions
Value focus: sustainable integrates environmental/social criteria; classic without mandatory ESG framework
Portfolio composition: may vary depending on ESG filtering
Investment universe
We pursue an open architecture approach. Among other things, the following investment components are used:
Funds that primarily invest in equities; broad diversification across regions/sectors or targeted focus areas possible.
Funds that passively track an index – usually cost-efficient, transparent and tradable intraday like shares. Suitable for broad market coverage or as a tactical component.
Funds focusing on fixed-income securities (e.g. government, corporate, high-yield or emerging market bonds).
Alternative building blocks for diversification (e.g. absolute return approaches, precious metals and commodities).
Depending on the line/strategy, targeted individual securities are possible – for accentuation or tactical control.
Our Team
Our experienced team of financial experts is on hand to help you choose the right investment strategies. We carefully analyse the various options and work with you to develop a tailor-made strategy that is aligned with your financial goals and wishes.
4 steps to your wealth management
Request a callback: We will contact you to discuss your requirements.
Initial consultation: Clarify your goals, experience and knowledge – and select a suitable strategy.
Mandate & opening an account: Conclude the agreement via Raiffeisen bank. We will be happy to coordinate the appointment.
Start of investment & regular reporting: Initial investment in accordance with the mandate; regular reports follow.
Our specialists of Raiffeisen Capital Management will accompany you – if you wish – to initial and follow-up appointments at your Raiffeisen bank. We translate markets and portfolios into plain language and answer detailed questions about mandates, methodology and implementation.
Primary contact: Your Raiffeisen bank provides ongoing support – from opening a securities account to providing services (for new and existing customers).
Targeted expertise: The specialists of Raiffeisen Capital Management contribute additional market and portfolio expertise and clarify detailed questions.
Our Services
Online access
Digital access to documents and reports, including archives and notifications for new reports, available on request.
 "Reporting mit regelmäßigen Updates")
Reporting
Regular market updates and strategy assessments – presented in an easily understandable manner.
 "Newsletter")
Newsletter - only in German available
Regular market updates and strategy assessments – presented in an easy-to-understand format.
FAQ – Frequently asked questions about wealth management
In professional wealth management, a portfolio manager actively and independently manages the entrusted wealth within the framework of the agreed investment strategy.
The overarching goal of wealth management is to preserve the value of the assets (inflation adjustment) or to increase them.
Personal motives and individual risk tolerance form the basis for the design of the portfolio.
You don't need to be a millionaire to take advantage of wealth management services.
Although the portfolio is placed in professional hands, wealth management also involves risks.
Please note: This information about wealth management is of a general nature. It cannot replace professional advice on this topic, which can address individual circumstances and needs. Please contact your personal Raiffeisen advisor to arrange an appointment.
Wealth management is suitable for individuals who have a certain amount of disposable cash and securities and are unable or unwilling to manage them themselves because they lack the necessary expertise, experience in financial investments and time.
Depending on the provider and the strategy offered, the minimum investment amounts can vary significantly. The common perception that asset management is only possible for those with millions in disposable income is certainly not true.
With Raiffeisen Vermögensverwaltung's standardised portfolio – Raiffeisen VIPnachhaltig – private individuals can have their assets managed from as little as 100,000 euros.
Raiffeisen VIPindividual requires free cash and securities assets of at least 500,000 euros.
Wealth management is always geared towards the long term. The aim is to achieve sustainable value growth or consistent wealth preservation, rather than short-term gains through speculation. Investors should always keep liquidity in mind, as there may be times in life when money needs to be available quickly (e.g. when building a house).
The flat fee (all-in fee) combines all essential services into one clear fee. This allows you to keep track of your costs – without individual itemised fees. The flat fee offers:
No opening, change or cancellation fees – start, adjust and terminate without extra costs.
No entry fee – your money works for you from the very first euro.
Free partial withdrawals – flexible access when you need it.
Free strategy change – adjust your investment at any time without additional costs.
Predictable & transparent – one fee instead of many individual items.
The specific fee depends on the respective strategy and is stated in the individual offer.
Wealth management is not risk-free either. Professional portfolio management does not guarantee that a specific management result, concrete asset performance or defined benchmarks will be achieved. Like any other capital investment, wealth management is associated with various uncertainties. These include, among others:
Every asset is subject to both market risk (price risk) and asset-specific risk (default risk for equities and bonds, interest rate risk for bonds).
Depending on the asset class, the market risk and the resulting fluctuation range vary.
Asset prices can fluctuate significantly depending on the strategy.
Capital losses are possible.
Currency fluctuations can also have a negative impact on asset performance.
Past performance and forecasts for the future are not reliable indicators of future performance.
Wealth management
In wealth management, a portfolio manager acts on behalf of the client with full authority.
This person is responsible for actively implementing the investment strategy in accordance with the agreed objectives. Within the framework of the investment guidelines, they can adjust the portfolio accordingly without having to obtain the client's approval for each transaction.
Wealth management involves market observation, market analysis, reviewing investment options, diversification – i.e. spreading investments across different asset classes (e.g. equities, bonds) – and risk management.
Managing third-party assets at one's own discretion requires a high degree of care, responsibility and integrity
Wealth or investment advice
When providing wealth or investment advice, experts support you with recommendations, analyses and options for action regarding your assets, they merely provide ideas.
Ultimately, you are responsible for making and implementing specific investment decisions.
Our investment philosophy
Raiffeisen Kapitalanlage-Gesellschaft assesses individual asset classes according to a clearly defined process.
This process incorporates relevant market data and market assessments from international analysis firms and Raiffeisen Research. The weightings of bonds, equities and other investments are determined on this basis.
ESG principles (focused on the environment, society and corporate governance) are incorporated into investment decisions. The specially developed Raiffeisen ESG indicator makes it possible to measure and evaluate the sustainability of investments.
Daily risk control and performance monitoring complete the investment process.
Experienced Austrian asset manager from Vienna
Many years of expertise, clear investment process:
Wealth Management by Raiffeisen was founded in 1987.
Raiffeisen Capital Management (Raiffeisen Kapitalanlage GmbH) is now one of Austria's leading asset management providers.
Sustainability expertise:selection according to a defined framework depending on the line.
No. You do not need to already be a Raiffeisenbank customer. The formal conclusion of your wealth management will take place at a Raiffeisenbank – we will coordinate this for you.
Trends in wealth management
In conversation with Daniela Uhlik-Kliemstein, CEO Hannes Cizek explains the growing importance of wealth management. He talks about strategies and trends such as digitalisation and proactive information management, and what sets Raiffeisen Wealth Management apart.
As of February 2026 | General Terms and Conditions for Raiffeisen Asset Management: Terms and Conditions and Comparison Mode