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Free European Pension for a Year

Open a European Pension account and let your savings work until retirement age, without interference from the state and with zero fees during the first year!

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What do you want to achieve by investing?

Advisor
Pre-contractual transparency information of Finax, o.c.p., a.s.
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Wealth building

I don't have a specific goal, but I
know investing is important. I want my
money to appreciate in value.

  • Return up to 9% per year

  • Tailor-made risk

  • No strings attached and no tax

It looks good
Pre-contractual transparency information of Finax, o.c.p., a.s.

Emergency fund

For rainy days and unexpected situations.

Buying an expensive item

I'm planning a big expense in the
future (car, wedding...).

Property

I want to own my own home or pay
off my mortgage early.

Saving for children

I want to save for my children's education or start in life.

Pre-contractual transparency information of Finax, o.c.p., a.s.

European Pension Plan (PEPP)

I want the European third pillar.

Pension on your own terms

I will secure a decent retirement on
my own terms.

Annuity (payout portfolio)

I want a regular monthly income
from my property.

Pre-contractual transparency information of Finax, o.c.p., a.s.

Smart Deposit (even up to 1 year)

I want to invest without volatility with
a good return.

Wallet (for 1-3 years)

I want to invest for a short period at low risk.

Pre-contractual transparency information of Finax, o.c.p., a.s.
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Finax TBSZ

Megtakarításaimat adóhatékonyan szeretném gyarapítani

  • Adómentesség lehetősége a lekötés után

  • Ingyenes számlanyitás és -vezetés

  • Forintban és euróban igénybe vehető

It looks good

Wealth building

I don't have a specific goal, but I
know investing is important. I want my
money to appreciate in value.

  • Return up to 9% per year

  • Tailor-made risk

  • No strings attached and no tax

It looks good

Emergency fund

The reserve is a basic financial goal; it should
be 3 to 6 months of expenses.

  • Expected appreciation 4 - 5% per year

  • The maximum portion of shares is 50%

  • Coverage of an unexpected loss of income

It looks good

Buying an expensive item

Make your dreams come true.
Save for them by investing in advance.
Profitably, cheaply and regularly.

  • Plan to achieve the objective

  • Money available at any time

  • Risk tailored to your needs

It looks good

Property

Prepare your own funds to buy a home or
get rid of your mortgage early.

  • Reach your destination faster

  • Return up to 9% per year

  • Risk tailored to your needs

It looks good

Saving for children

Invest for your children to get a better start
in life. The earlier you start, the richer
future they can have.

  • Return up to 9% per year

  • Each child can have a separate account

  • Contract in your name or in your child's name

It looks good

European Pension PEPP

Easy and cheap investment savings for retirement, the same across the EU. Your employer can also contribute.

  • Management fee only 0.6% p.a. + VAT

  • Bound until retirement age

  • The risk decreases with age

It looks good
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The European pension uses a lifecycle strategy in which we gradually reduce the risk of the savings over the 10 years before retirement by reducing the share of equities and increasing the share of bonds, up to a level of 60% equities and 40% bonds.

Pension on your own terms

Don't want to rely on state pension schemes?
Invest for a peaceful retirement. We'll create
a plan to help you achieve it.

  • Return up to 9% per year

  • Without commitment

  • After a year without tax liability

It looks good

Annuity

Is it time to start enjoying your acquired
wealth? The goal of every investor is to have
a passive income - to live on an annuity.

  • Payment of annuity every month

  • Your wealth continue to create revenues

  • Minimum investment 50,000 €

It looks good

Smart Deposit

For saving money even for less than 1 year
with a good return in the least risky
investment product.

  • Gross floating return of 3.8% per annum

  • No strings attached and no fluctuation in
    value

  • Only one fee: 0.5% for management

It looks good
advisor-photo

3.8% p.a. is the yield to maturity as of 02.04.2024, as reported by ETF product creators. The yield is floating, is linked to the ECB base deposit rate and does not include Finax fees of 0.5%.

Wallet

The money you keep in a bank account is gradually losing value. The Wallet appreciates your savings by the current short-term interest rates in the market.

  • Expected appreciation 3 - 4% per year

  • Only one fee: 0.5% for management

  • Suitable for short-term saving for up to 3 years

It looks good
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The expected return is based on the yield to maturity of the underlying ETFs reported by the fund managers as of 31.10.2023. The yield is variable and may change depending on the development of ECB interest rates, investor sentiment in the market, and similar factors.

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All data linked to the historical development of Finax portfolios are modelled and created based on the back-modelling of data. We described how historical performance is modelled in the article How do we model the historical development of portfolios. Past results are no guarantee of future returns, and your investment may result in a loss.

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If you hold securities traded on a stock exchange for at least one year, the proceeds are tax-free for Slovak tax residents. Our portfolios are composed of ETFs that fall into this category. The tax treatment depends on each client's individual circumstances and may change in the future.