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Grow your money by investing in ETFs
Invest on your terms - even with small amounts and zero market-watching.
What does Intelligent Investing in ETFs mean?
ETFs (Exchange Traded Funds) are a modern investment tool that combines the advantages of stocks and mutual funds. Thanks to these properties, ETFs are ideal for modern investors who want to easily, cost-effectively, and efficiently invest in the entire market.
Tax-advantaged
We invest in instruments that allow residents of some European countries to pay no tax on gains.
More on taxes
Diversification
Your savings will be spread across thousands of stocks and bonds from various countries and economic sectors.
More on risks
Fair fees
Just one low management fee - no charges for deposits, withdrawals, performance, or ETF trades.
More on fees
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.
See the portfolio composition
We adjust investment risk according to your needs and personal situation. The right investment composition and sufficient time are the best remedies for risk. Thanks to ETFs, investments can be diversified across up to 7,400 stocks and 6,000 bonds. Portfolios are regularly rebalanced to maintain the desired allocation among stocks, bonds, and global regions.
Strategy: Balanced
Check out real examples of our clients
Ivan Chrenko
Slovak entrepreneur
I am a shareholder and client of Finax. Find out how Finax is managing part of my wealth.
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Dominik Hrbatý
Former professional tennis player
Take a look at my investments and accounts. I have been investing with Finax since its start. It met my high expectations.
Show accountAre you considering possible financial goals?
Find out what suits you best
Want to dive deeper into ETF-investing?
Portfolio composition
Our portfolios are composed of globally recognized ETFs aimed at achieving market-level returns with minimal risk. Diversification occurs across sectors, regions, and currencies.
Each portfolio consists of several quality ETFs investing in hundreds to thousands of companies and government or corporate bonds worldwide. Such broad diversification is the foundation of long-term performance and also limits the risk that fluctuations in one company or market will significantly affect your portfolio’s value.
Portfolios are divided according to risk profiles – from conservative (more bonds, lower volatility) to dynamic (higher stock share with higher return potential but higher value fluctuations). The system continuously monitors portfolio composition and automatically rebalances if necessary to keep allocations among stocks, bonds, and global regions aligned with your needs. Portfolios are fully transparent – clients always have access to exact composition and performance.
Thanks to this logic and portfolio design, you can be confident that you invest clearly, disciplinarily, and without unnecessary costs or emotional decisions.
How we select ETFs
When selecting ETFs, we focused on several important criteria. All our funds trade on European exchanges and comply with strict UCITS regulation.
We also checked if the ETFs trade in euros to avoid unnecessary costs from currency conversions of client funds.
Another important criterion was the way income from dividends or bond interest is paid. If ETFs distributed these payments to investors, clients would face tax obligations. Therefore, we selected accumulating ETFs that reinvest income, giving clients the chance to avoid tax on gains if held for more than one year.
Additionally, important criteria included fund managers (we prefer large, reputable managers who ensure safety), ability of funds to track their indexes successfully, and internal fees. Read more about ETF selection in fthis blog](https://www.finax.eu/en/blog/how-do-we-choose-our-etfs).
Investment strategy and philosophy
Portfolio management is based on passive investing principles. By tracking the entire market via ETFs, we replicate its performance. According to statistics, this approach has the highest chance of long-term success.
With passive investing, you buy the whole market and hold it long-term. This way you earn from the long-term development and growth of the global economy. Society gradually advances and grows wealthier. The higher the living standard globally, the more goods and services people can buy, increasing companies’ profits and stock market value. Your portfolio will be set to benefit from this progress.
Statistics show that such a passive investing approach has a higher chance of success than active attempts at timing and selecting investments. According to the regular SPIVA study, more than 9 out of 10 European equity mutual funds focused on global stocks fail to outperform passive whole-market investing."
Portfolio performance
Our portfolios mirror the performance of global equity and bond markets. The higher the stock share in the portfolio, the higher the expected long-term return but also the risk of sharper value fluctuations.
In all cases, this reflects the performance of a hypothetical sample portfolio where securities were purchased at the launch of Finax strategies in February 2018, with no further deposits or withdrawals. Real ETF prices used for Finax trades on those days were applied. Actual client account performance may vary due to different deposit, withdrawal, or rebalancing timing. A detailed explanation of portfolio calculation methodology is available in this blog.
Safety of savings with Finax
Protecting clients’ money is one of our highest priorities. Since we highly value our investors’ trust, we strive for maximum transparency in managing their assets. Protection is built on several pillars.
Clients’ funds must be strictly segregated from the company’s funds. Your money flows through a separate bank account, and not a single cent can be used for our own expenses. ETFs are held in your name, so you remain the ultimate owner of your assets at all times.
Additionally, clients’ assets are protected up to 50,000 euros by the Investor Compensation Fund. We must regularly contribute to this fund so that collected resources can be paid to clients if their invested money becomes unavailable.
The custody of purchased ETFs is provided by Belgian giant KBC, one of the leading European players in this field. Read more about asset protection in this blog.
Create an investment plan today
Read more about investing in ETFs
High Returns at Lower Risks: the Art of Diversification
Diversification is the key to passive investing. Its also a great and simple way of reducing an investments risk, while stabilizing its long-term return. Portfolios of Finax are among the most widely diversified options on the market. How does diversification work and why is it so important to your investment?
How to Keep Your Head During Market Downturns When Everyone Around You Is Losing It?
Im sure you know the feeling. The financial markets have started to decline, and you’ve invested in them. What you knew was an integral part of investing, but hadnt yet experienced yourself, suddenly happens – your portfolio abruptly starts losing value or declines by tens of percentage points. The media is full of catastrophic predictions, and social networks are buzzing with the desperation of speculators who didnt get out of the market in time. However, you may also be on the other side and, after months of hesitation, wondering if it is finally time to get in and start investing. But how to do it without getting burned?
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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