Live stress-free with a financial cushion
Start investing simply and worry-free. Finax helps you build a safety net for life’s surprises.
Why is a financial reserve essential?
Peace of mind in unexpected situations
Life brings surprises. A financial reserve gives you the assurance that you can handle them without stress or loans.Money available at anytime
You can access your money within a few days – without notice periods or unnecessary stress.The foundation of healthy finances
A financial reserve is the first step toward financial well-being. It gives you security before fulfilling other goals.A better start for the future
With a reserve, you're prepared not only for problems but also for opportunities. When, for example, a career change arises, you can make decisions without stress.
Make an emergency reserve your first goal
The reserve grows faster
Thanks to compound interest and regular investing, your reserve grows faster than if you were just saving it in an account.
Without effort and worry
Simply set the desired reserve amount, and Finax will take care of the rest. Investing is easy for everyone – without experience and without needing to follow the markets.
A reserve that beats inflation
You don't know when or if you'll need to use the reserve, so it shouldn't stay in a current account. Through investing, your money retains its value over time.
How large should your reserve be?
How to start investing?
Complete a short questionnaire and set a strategy that fits you.
Sign up and sign the contract online.
Set up a standing order for payments and make your first deposit.
Track everything via the app and monitor your deposits.
How will Finax help you with a reserve?
Finax offers simple solutions to effortlessly build or preserve the value of an invested reserve that will support you when you need it most.
Smart Deposit
Don’t let your money sit in a current account where inflation devalues it. Smart Deposit helps you grow it conservatively – the ideal solution for funds you might need soon.
- 2.1% p.a. is the yield to maturity as of 24.4.2025, as reported by ETF product creators. The yield is floating, is linked to the ECB base deposit rate and does not include Finax fees.
- Smart Deposit is a managed portfolio made up of money market ETFs. This provides stable growth for idle funds without lock-in periods. Money you might need soon sits in Finax’s lowest-risk product.
- Simple things work best. Therefore, Smart Deposit has only one fee, which is for portfolio management at 0.5% p.a. including VAT.
Investing in ETFs
Time is the best ally for investors. Long-term investing maximizes your chance of successfully achieving your goals.
- You don’t have to watch your reserve being eaten away by inflation in a bank account. With investing, you can not only keep pace with inflation, but also beat it. Past performance is not indicative of future results.
- You can keep most of your reserve invested conservatively, never more than 50 % in stocks. This ensures your money works safely, ready for unexpected expenses.
- For a transparent fee, you get a professionally managed portfolio, automated adjustments, and tax optimization. You don’t have to worry – just relax.
Check out real examples of our clients
Investing in ETFs
I started building my reserve through Finax because I wanted my money not to lose value. I set a goal, made regular investments, and it’s all been going smoothly since. I like that I don’t have to do anything, and thanks to ETFs, my reserve grows faster than if I had it just in an account.
Matúš
| 31 years oldMarketing Specialist
Smart Deposit
I already have my reserve built and wanted it to always be available. I chose Smart Deposit at Finax – my money is safely stored but still accessible. For me, as a conservative investor, this is the ideal combination of peace, security, and reasonable returns without unnecessary risk.
Tomáš
| 43 years oldSoftware developer
Want to see more about your Financial Reserve?
How to properly set up a financial reserve
The size of the reserve depends on your expenses and life situation.
The recommended amount for a financial reserve is typically between 3 to 6 months of household expenses. If you have a stable income, no children, and low fixed costs, a smaller amount may be enough. However, if you’re self-employed, have a family, a mortgage, or variable income, we recommend a reserve of at least 6 months. You can easily calculate your expenses – include rent/mortgage, utilities, food, transportation, tuition, loan payments, and other regular expenses. The total amount represents your goal, and Finax will help you achieve it simply and stress-free.
Why it’s worth investing your reserve
Money in the bank loses value. Investment protects it.
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.
How quickly can a reserve be built
Regular investing accelerates the building of 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.
Reserve as the foundation of financial well-being
Investing through Finax is automatic, transparent, and tax-efficient.
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.
Create an investment plan today
Prečítajte si viac o cieli finančná rezerva

The Secret of Financial Security: Creating an Emergency Fund
A financial reserve, also known as an emergency fund, is a savings account that we set aside for unexpected expenses. Its a key part of a sound financial plan and can give you the peace of mind that comes with financial preparedness. In this blog, we will explore the importance of a financial emergency fund and provide tips on how to build one.

Emergency fund – the first checkpoint on your savings journey
Unemployment, longer incapacity for work, pandemic, leaking roof, broken car or just unexpectedly high energy arrears. If you don’t want the problems that life brings to get out of hand and require you to take out unnecessary loans, you need to be prepared. The emergency fund serves exactly for this purpose. But how much should you “put aside”? Where should you keep the emergency fund? Is your current bank account sufficient or can you invest it?
Contemplating other financial goals?
Got questions?
- Opening an account with Finax is simple and fully online. Just click on "Let's start" in the top menu bar. From there, you will be taken to the registration page where you can choose your investment goal and answer a few questions about your investment preferences and risk profile. Based on your answers, we'll select a suitable investment strategy for you. Next, you'll create your online access, verify your identity using biometrics, provide personal information, confirm your contact details, and sign the portfolio management agreement online. Once you've completed these steps, nothing will hold you back from effectively growing your wealth. More information.
- Finax was established by Juraj Hrbatý, a seasoned financier with 16 years of experience, and Radoslav Kasík, who brings 9 years of experience as a portfolio manager. The company's management team also includes Ján Jursa, Ján Tonka, Michal Vaculík, and Juraj Šnirc, each with extensive backgrounds in various departments of banks, securities traders, and asset management companies. More information about the Finax team.
- Finax charges a portfolio management fee of 1% per annum plus VAT, calculated based on the average account value throughout the year and deducted monthly. If the volume of the client's assets managed by Finax reaches at least 100,000 euros, this fee will be reduced to 0.85% per annum plus VAT. For assets over 500,000 euros, the fee is reduced to 0.65% p.a. + VAT. For further details on Finax service fees, please refer to our Price List.
- Opening an account with Finax is simple and fully online. Just click on "Let's start" in the top menu bar. From there, you will be taken to the registration page where you can choose your investment goal and answer a few questions about your investment preferences and risk profile. Based on your answers, we'll select a suitable investment strategy for you. Next, you'll create your online access, verify your identity using biometrics, provide personal information, confirm your contact details, and sign the portfolio management agreement online. Once you've completed these steps, nothing will hold you back from effectively growing your wealth. More information.