App Store
Google Play
Secure a relaxing retirement
Finax manages your money so you can enjoy a well-deserved rest - worry-free.
Why think about retirement today?
The state pension may not be enough
By around 2050, state pensions will cover only 33% of our income. Can you imagine that, from day one of retirement, you will have to cut your expenses by a third?
Financial independence in old age
Think about your future – with good savings, you can enjoy life according to your own preferences.
The sooner you start, the less you need to save
Retirement arrives faster than you think - delay now and it’s hard to catch up later. The longer you invest, the more you will earn.
Early retirement
Have you thought about retiring earlier than the state tells you? Retirement is determined by one number - make it wealth instead of age.Your path to financial stability.
Tax-advantaged
We invest in instruments that allow residents of some European countries to pay no tax on gains.
Diversification
Your savings will be spread across thousands of stocks and bonds from various countries and economic sectors.
Fair fee
Only one low portfolio management fee. No additional fees for deposits, withdrawals, performance, or ETF trading.
National Bank of Slovakia. We consider acting in the best interest of our client as our mission. The permission of the National Bank of Slovakia can be found here.">
Why invest for retirement today?
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 can Finax help with your retirement?
Finax offers you modern investment solutions that will help you build wealth for retirement exactly according to your needs.
European Pension - PEPP
PEPP is a long-term pension product that helps you prepare for the future simply, efficiently, and designed to ensure you can rely on stability in your retirement.
- With few exceptions, PEPP savings stay locked until retirement - so the money is there when you need it most. This helps ensure that your savings will truly serve for a carefree retirement when you need them most.
- We have minimized the fees, significantly below the limits of the pan-European personal pension product (PEPP). The European pension from Finax costs only 0.6% per year + VAT. You don’t pay any other fees to Finax, which means your pension savings will grow faster.
- Returns from the European pension will be taxed with withholding tax, similar to the 3rd pillar. Contributions to the Slovak sub-account of the European pension up to €180 annually reduce the tax base (including contributions to the 3rd pillar), helping you save on taxes while building financial security. PEPP is also an attractive form of employee benefit for responsible employers who think about the future of their employees.
Investing in ETFs
Time is the best ally for investors. Long-term investing maximizes your chance of successfully achieving your goals.
- Your investments are completely flexible – you can add or withdraw money anytime without any fees or withdrawal periods. Finax takes care of everything effortlessly and without unnecessary complications. You can focus on what you enjoy, while your money grows peacefully and without stress.
- For a transparent fee, you get a professionally managed portfolio, automated adjustments, and tax optimization. You don’t have to worry – just relax.
- By investing in ETFs, you earn returns exempt from income tax if you leave your money invested for at least one year. This means all the money you earn stays fully yours, without worrying about tax returns or forms. Finax tracks everything for you and ensures that you can invest with peace of mind and without unnecessary worries.
Check out real examples of our clients
European Pension - PEPP
I’ve worked with my hands all my life. I don’t want my retirement to be about counting every euro. With Finax, I save for retirement, and today I know I won’t have to rely on my children in my old age. I can’t wait to fully enjoy my hobby – fishing.
Pavol
| 40 yearsAssembly Worker
Investing in ETFs
With two kids and a full-time job, I didn't have time to deal with complicated investments. Finax has given me peace of mind - I invest regularly for retirement and everything is working itself out. When I imagine the future, I see myself on the patio, with a cup of coffee, not stressed about money. That security is priceless.
Zuzana
| 34 years oldTranslator
Advantages of investing in retirement through Finax
Why invest in retirement through Finax?
We handle everything for you. No stress, no unnecessary questions. Retirement investing is as easy as never before.
Investing for retirement is often associated with uncertainty and complexity. However, with Finax, you can manage it without stress and unnecessary effort. We will create a personalized investment plan that automatically adapts to your age and risk profile. With automatic portfolio rebalancing, you don't have to worry about having your investments improperly distributed. Additionally, your money is always available without notice periods or penalties.
Low fee means more money for you
Transparent and low fee that won't threaten your returns.
With Finax, you only pay 1% annually plus VAT, which is significantly less than with traditional retirement products or insurance retirement plans. Lower fees mean that more of your money stays invested and grows for you. Everything is transparent and without hidden costs, so you know exactly what you're paying for. Less fees = higher retirement.
Investment without commitment
You can withdraw money anytime without notice period.
Unlike term deposits, mutual funds, life insurance, where your money is often ‘locked up,’ at Finax you have complete freedom. You can withdraw your funds at any time without penalties – no waiting for notice periods, no fees for early withdrawals, and no unnecessary restrictions.
However, your savings will not sit idly – they work for you in financial markets, growing long-term, efficiently, and wisely, and when you need them, they will be available in just a few days.
This combination of flexibility and profitability is ideal for anyone who wants peace of mind, security, and access to their money when the right time comes.
Compound interest in practice
Earn returns on returns - effortlessly.
Compound interest is a powerful tool that makes investing a long-term profitable strategy. If you reinvest returns, you earn on the previous returns – the longer you invest, the faster your retirement grows. With us, this happens automatically. Just save regularly and leave the rest to us.
Tax advantages for your carefree future
More money for you for retirement without paying taxes.
When you invest through Finax and leave your money invested for at least one year within retirement savings, your returns are exempt from income tax. This means you don't have to give any money to the state, and all profits remain yours. As a result, you have more resources for a comfortable retirement – without worries and unnecessary paperwork, which Finax handles for you.
Create an investment plan today
Prečítajte si viac o dôchodkovom sporení
How Much Should I Save in My 30s and 40s to Have a Sufficient Pension?
While it might not be the most pleasant thing to worry about, we have all likely wondered what our life would look like in retirement at some point. At the same time, we are all aware that the state pension wont be enough to provide us with a comfortable standard of living. That is why it is crucial to prepare in advance so that we can enjoy our golden years with financial security and peace of mind.
Pensions in a Nutshell
Pensions and retirement. Politicians, experts and us as well can’t stop going on about them. But there is a good reason why. At the end of the day, we will all have to retire. Are you familiar with the system that is supposed to take care of you when you will not be able to work anymore? In todays blog, I will walk you through the functioning of a typical European pension system.
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.
Didn’t find an answer?
Contact us
Don’t miss out on news from the world of finance and investing.