Key Investor Information
This document provides key investor information about this fund (“Fund”). It is not marketing material. The information is required by law to help
investors understand the nature and the risks of investing in this Fund. Investors are advised to read it so to make an informed decision about whether
to invest.
Credit Suisse (Lux) Fixed Maturity Bond Fund 2021 S-II,
a Subfund of CS Investment Funds 3
Share Class CBH EUR
ISIN LU1879518014
Management Company Credit Suisse Fund Management S.A., 5, rue Jean Monnet, L-2180 Luxembourg
Objectives and investment policy
This Bond Fund is actively managed aiming to maximize returns (“income”) over changes in currency exchange rates on the performance for this Share Class.
the lifetime of the Fund, which matures on 15. December 2021. The Fund This Fund may not be suitable for investors who want to withdraw their money
invests in debt instruments, bonds, notes, and similar fixed interest or floating- before 15. December 2021. The investor can buy or sell shares of the Fund
rate securities (including securities issued on a discounted basis) which have a on a daily basis, as further defined in the prospectus. This Share Class does
minimum credit rating of B- (Standard & Poor’s) or B3 (Moody’s) of private, not make distributions. The Fund shall bear the costs of standard brokerage and
semi-private and public issuers worldwide. The securities will not have a maturity bank charges incurred by the Fund through securities transactions in relation to
longer than the maturity date of the Fund. The Fund may use derivatives to the portfolio. These charges are not included in the “Charges” section of this
achieve the above aims. The Fund uses derivatives to reduce the impact of document.
Risk and reward profile
Risk profile market movements. The Fund may have a low degree of issuer diversification
Lower risk Higher risk which makes it more vulnerable. The Fund’s application of Swing Pricing also
impacts its risk and reward profile.
Typically lower rewards Typically higher rewards
Are there any other particular risks?
The Fund’s risk and reward profile does not reflect the risk inherent in future
1 2 3 4 5 6 7 circumstances that differ from what the Fund has experienced in the recent past.
This includes the following events which are rare but can have a large impact.
• Credit risk: Issuers of assets held by the Fund may not pay income or repay
The Fund's risk and reward profile shows the variations in value an investment capital when due. Part of the Fund's investments may have considerable
in this Fund would have undergone over the past five years, whereby simulated credit risk.
performance data is used in the case of missing history. The Fund's risk rating • Liquidity risk: Assets cannot necessarily be sold at limited cost in an
may change in the future. Please note, higher possible gains generally also mean adequately short timeframe. The Fund's investments may be prone to limited
higher possible losses. The lowest risk category does not mean that the Fund is liquidity. The Fund will endeavor to mitigate this risk by various measures.
risk free. • Counterparty risk: Bankruptcy or insolvency of the Fund’s derivative
counterparties may lead to payment or delivery default.
Why is the Fund in the specific category? • Operational risk: Deficient processes, technical failures or catastrophic events
Amongst other, equity prices mainly reflect the expected prospects of firms, as may cause losses.
estimated by market participants. Expectations tend to fluctuate more strongly • Political and Legal risks: Investments are exposed to changes of rules and
in times of higher uncertainty. Investments in bonds are affected by changes standards applied by a specific country. This includes restrictions on currency
in interest rates, the size of the market segment, the currency allocation, the convertibility, the imposing of taxes or controls on transactions, the limitations
economic sector and the credit quality of the bonds. The Fund holds mainly short of property rights or other legal risks. Investments in less developed financial
term investments. However, the Fund can be exposed to lower credit quality and markets may expose the Fund to increased operational, legal and political
currency risk. The Fund’s use of leverage may lead to an amplified reaction to risk.
Charges
One-off charges taken before or after the investment should refer to chapters "CS Investment Funds 3 – Summary of Share Classes”
and “Expenses and Taxes” of the prospectus, which is available at www.credit-
Entry charge Not applicable suisse.com.
Exit charge Not applicable The entry and exit charges shown are the maximum figures that can be
charged to the investor. Investors may obtain the fees effectively applied from
Conversion charge Not applicable their individual financial adviser or distributor.
This is the maximum amount that may be deducted from the investor’s money A yearly distribution fee is applied for the Share Class.
before it is invested or before the proceeds of the investment are paid out. For a maximum of 12 months from October 22, 2018, the ongoing charges
figure is based on estimated expenses. From October 2019, the ongoing
Charges debited to the Fund over a year charges figure is based on last year’s expenses for the year ending October
Ongoing charge 1.17% 2019. This figure may vary from year to year. It excludes performance fees and
portfolio transaction costs, except in the case of an entry/exit charge paid by
Charges debited to the Fund under certain specific conditions the Fund when buying or selling shares/units in another collective investment
undertaking.
Performance fee Not applicable
The single swing pricing method (SSP) is used to determine the issue and
redemption price of the Fund. For further information about the implication of
Charges debited to investors are used to pay for the cost of running the Fund,
SSP, investors should refer to the relevant chapter "Net Asset Value" of the
including marketing and distribution costs. These charges reduce the potential
prospectus, which is available at www.credit-suisse.com.
growth of the investment. For detailed information about the charges, investors
Past performance
Performance disclaimer The fees for the ongoing fund charges are included in the calculation of past
Please note that performance in the past is not a reliable indicator of future performance. The entry/exit fees are excluded from the calculation of past
results. The performance of the Fund is not tracking the index. performance.
Charges and fees Fund launch date and currency
The performance chart shows the Fund’s investment returns as a percentage The Fund was launched on April 21, 2017.
change in NAV from one year-end to the next in the Share Class currency. The Share Class was launched on October 22, 2018.
The base currency of the Fund is USD.
The currency of the Share Class is EUR.
There are insufficient data to provide this Fund’s investors with a useful indication of past performance.
Practical information
Depositary bank Conversion of units/shares
Credit Suisse (Luxembourg) S.A., Luxembourg Investors may apply to convert part or all of their shares into shares of the same
class of another subfund or into another class of the same or another subfund,
Further information provided that the conditions for accessing the relevant Share Class are fulfilled.
Further information about CS Investment Funds 3, its prospectus and its latest For further information about how to convert shares and the applicable conversion
annual and semi-annual report may be obtained free of charge, in English charge, investors should refer to the prospectus (section on “Conversion of
language, from Credit Suisse Fund Management S.A., Luxembourg, the shares”).
appointed distributors or online at www.credit-suisse.com. This key investor
information document relates to a subfund forming part of CS Investment Funds Specific fund information
3. The prospectus and the periodic reports are prepared for the entire umbrella More share classes may be available for this Fund. For further details, investors
fund. The assets and liabilities of each subfund are segregated, which means that should refer to the prospectus. For further information about the share classes
no individual subfund will be liable with its assets for liabilities of another subfund that are marketed to the public in the investor’s jurisdiction, investors should refer
within the umbrella fund. to www.credit-suisse.com.
The details of the up-to-date Management Company’s compensation policy,
including but not limited to a description of how remuneration and benefits are Tax legislation
calculated, can be accessed online at www.credit-suisse.com or directly through The Fund is subject to the tax laws and regulations of Luxembourg. Depending
the following link: https://www.credit-suisse.com/media/assets/corporate/ on the investor’s country of residence, this might have an impact on the personal
docs/about-us/governance/compensation/compensation_policy.pdf. A paper tax position of the investor. For further details, the investor should consult a tax
copy will be made available free of charge upon request. adviser.
Price publication Liability statement
The latest prices of the shares are available on www.credit-suisse.com. Credit Suisse Fund Management S.A., Luxembourg may be held liable solely
on the basis of any statement contained in this document that is misleading,
inaccurate or inconsistent with the relevant parts of the Fund’s prospectus.
This Fund is authorized in Luxembourg and regulated by the Commission de Surveillance du Secteur Financier (CSSF).
Credit Suisse Fund Management S.A., is authorized in Luxembourg and regulated by the Commission de Surveillance du Secteur Financier (CSSF).
This key investor information is accurate as at October 22, 2018.
