Storing your entire reserve in a current or savings account means your money loses purchasing power over time. Inflation causes you to buy less with the same amount a year from now. By investing your reserve, you protect it from devaluation. With Finax’s diversified portfolio, you have a chance for returns that long-term beat inflation. Unlike regular savings, investments appreciate through the effect of compound interest – “interest on interest” works for you. Moreover, with Finax, your money is available anytime, with no notice periods, so you maintain the flexibility you need for a reserve.

Many delay building their reserve because the target amount seems too high. But when you break it down into smaller regular investments, it suddenly becomes achievable. For example, if you want to create a reserve of €3,000, it only takes €100 per month, and compound interest will significantly help you. The growth accelerates over a longer horizon. Finax will also show you how much you still need to reach your goal and at what pace you will achieve it. You don’t need to speculate – just set the goal, and the system will take care of the rest. Even a small amount monthly has a big impact if you are consistent.

Finax is designed to make investing as easy as possible. Once you set your goal, you don’t have to worry about anything else – investing happens automatically. You can set up monthly payments as a standing order, and we’ll take care of the rest. Besides convenience, Finax also offers significant tax advantages – thanks to the time test, ETF returns are tax-exempt after one year. You don’t have to keep complicated records; Finax will prepare your tax documents if needed. Additionally, the portfolio is regularly rebalanced to maintain optimal composition – all without your intervention. Thanks to these features, you save time, avoid stress, and invest efficiently and advantageously over the long term.