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Housing or larger purchases – faster and stress-free
Turn big goals - home, car, even paying off a mortgage - into reality with Finax, easily and worry-free.
Why save for larger purchases by investing?
Higher returns than in a bank account
Money in the bank loses value. By investing, you can increase its value and afford the purchase sooner and on better terms.
Keep your peace of mind and flexibility
Finax allows you to invest with no lock-in periods. You can access your money whenever you need it.
No stress or planning
You just set a goal – Finax will take care of the choice of investments, rebalancing, and taxes. And you can relax.
Compound interest helps you
The sooner you start, the more your money can work for you. Compound interest speeds up your journey.Repaying a mortgage? Consider investing.
Simple setup
Set your goal, amount, and horizon. We will take care of the selection of funds, optimization, and taxes – you can focus on more important things.
Let your money grow
If you plan to save for a longer period, your money can earn during that time instead of losing value in a bank.
No commitments or obligations
Your money is available anytime. Finax offers flexibility that you won't find in regular savings.
Is now the right time to start?
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 Finax helps with large purchases?
Finax’s modern investment solutions will help you build capital for buying real estate, a car, or repaying a loan – without stress and worries.
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.
- With a longer horizon, you have a chance to achieve above-average returns. We invest in global equity ETFs, which historically provide returns of up to 9% annually. Your goal can thus come closer faster – without having to deal with markets or the economy. Past returns are not a guarantee of future returns.
- Based on your goal, time, and preferences, we will create a portfolio that matches your willingness to bear value fluctuations. You set the goal, Finax sets the risk – so you can invest calmly, without stress, and with confidence that you’re on the right track.
- 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 wanted to save my 20% for a mortgage as quickly as possible. Thanks to investing in ETFs through Finax, I’m doing it faster than if I relied on a savings account. Everything is automatic, stress-free, and I can see my money working.
Jana
| 26 YearsDoctor
Smart Deposit
In a few months, I will buy an apartment. I didn’t want to leave the money in an account where inflation would eat away at it, but I also didn’t want to risk fluctuations in the markets. So I chose a Smart Deposit – it’s conservative, safe, and I sleep peacefully. The money is available when I need it.
Juraj
| 45 yearsEngeneer
Want to see more about Large Purchases?
Investing vs. mortgage
Thinking about making an extra mortgage payment? It might be better to invest.
Many people believe that the best use of money is to pay off the mortgage early. But when we compare the average return from investing with the mortgage interest rate, in most cases it’s better to invest. Your money will not stay locked in real estate, but will remain flexible, grow, and be available. Only when it’s advantageous can you pay off the mortgage with a lump sum. Finax also manages everything for you – including optimization, fund selection, and taxes. You just watch as your goal grows.
Why not start with a consumer loan
A consumer loan could end up being more expensive than you think. Investing is a healthier way.
Are you interested in a new car, household equipment, or another large expense? Many people opt for a consumer loan, which is often expensive, unfavorable, and creates financial pressure. A sensible alternative is to start investing ahead of time. Even a small monthly amount can, thanks to compound interest, give you enough funds in a few years. Plus, with Finax, you have control over your investments without needing to understand the complex world of investing.
Automation = less stress
With Finax, you invest once, and it keeps going on its own. You just live your life.
With Finax, you don’t have to worry about selecting stocks, timing the market, or regular checks. Just set your goal, the amount to invest monthly, and we’ll take care of the rest. We invest in global ETFs, regularly rebalance the portfolio, track tax benefits, and optimize your returns. You don’t have to do anything – just relax and watch your wealth grow. Exactly according to the philosophy ‘Invest and relax’.
Taxes and fees under control
With Finax, you invest efficiently – with low fees and without unnecessary tax stress.
Investing with Finax is not only simple but also tax-efficient. When selling investments after 1 year, we apply tax exemption in accordance with the so-called time test, which we monitor for you. You do not need to file a tax return or track laws – we will handle everything automatically. Moreover, the fee is transparent, low, and you only pay for portfolio management – no hidden fees, entry or exit fees. Finax helps you invest wisely, conveniently, and without unnecessary complications. More of the money you invest stays in your hands and your goal is reached faster.
Create an investment plan today
Prečítajte si viac o cieli väčšia kúpa
Financing a real estate purchase
In recent years, the National Bank of Slovakia has taken several measures in order to mitigate the risks associated with the rapid growth of Slovak household indebtedness. Easily available 100% mortgages are a thing of the past. If you want to live on your own today, in addition to rising real estate prices, you also have to deal with several banks’ requirements.
As a Property Ages, so Does Its Return
The option of simple and cheap mortgage financing raises the attractiveness of investment properties. The use of credit (leverage) increases the return on funds invested in the property. Advantageous mortgages are among the reasons why investments in "bricks" enjoy great popularity in Slovakia. However, the return on a leveraged investment property falls sharply as the principal of the loan decreases.
Buying or renting - what is more worthwhile?
Securing a housing is one of the largest budget items for most people. If you are not one of the lucky ones who have acquired their own housing almost for free during the housing fund privatization in the 90s or by inheritance, you basically have two options – housing in a rental or “in your own”, i.e. with the burden of a mortgage. But what is more favourable? Is it better to be indebted for decades or to make use of the flexibility and carelessness a life in a rental has to offer?
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.
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