Retirement savings

Retirement is no longer only about age,
it's about how much you save

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A happier retirement is in everyone's hands. By investing passively and with the help of the II. pillar, we can build a solid foundation for our future. Today, the state pension should be viewed only as the icing on the cake. Investing in ETFs is a great opportunity to take control of your destiny.


Setup in 15 minutes

Whether a beginner or a pro, you'll appreciate the speed and simplicity of opening a Finax account. Just answer the elementary questions and the robo-advisor will choose the best solution for you.


of 9% annually

Due to a long investment horizon, you can invest dynamically for retirement. Outperform mutual funds thanks to the lower fees and tax benefits of investing in index ETFs.

Past returns do not guarantee future returns

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Tax exemption

Keep your returns

The returns of most investment products are taxed. At Finax, you can avoid taxes. We manage the assets of Slovak residents without incurring tax liability if the investment period exceeds one year.

State pension does not suffice anymore

In Slovakia, the number of pensioners increases, and the number of people in the labor force decreases every year. Pension cuts are unavoidable. Around 2050, state pensions will cover only 33% of our income. Can you imagine having to slash your spending by two-thirds on your first day after retiring? We can't. Let's take our retirement into our own hands. If a young person starts putting away, say, €150 a month in a stock portfolio for 30 years, they can expect to accumulate €210,000* for retirement. That constitutes a monthly addition of €1,100 to their state pension, which is €600 at today's prices. Better, right?

*Based on the expected return of the Finax 100% stock portfolio. Investing involves risk.

Young retirees and financial freedom

Has it ever occurred to you that you can retire at an earlier age than the state mandates? Retirement is determined by one number, which may be the amount of wealth rather than age. That enables us to retire 20 years from now, for example. The followers of FIRE (Financial Independence, Retire Early) prove that it can be done. It all depends on what percentage of your income you can save and invest regularly. We'll be happy to tell you more in our blog.

How can you get your pension paid out?

Have you saved enough? You can have your funds available in your current account within 10 days. However, we think ahead, having designed a better solution when it comes to your pension - our Intelligent Annuity. It has immense advantages compared to a one-off withdrawal:

  • Each month, an amount chosen by you arrives in your account
  • Your wealth remains invested and continues to grow in value
  • The annuity is customizable, you can preserve the value of your savings or draw it down completely.

What can you gain?

Create an investment plan. Find out what is there to gain by investing. You can start from as little as €10.

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Past returns do not guarantee future returns

Expected Finax pension

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The expected monthly pension over the course of 20 years, which will be paid out in the form of a regular annuity from the amount saved up. The value of the future pension ( ) is expressed in today's prices.
Represents theoretical outcome of a Finax model portfolio with 8% p.a. return with only asset management fee considered. Real return will depend on financial markets and outcome of your investment may be a loss. Presented investment strategy may not be suitable for every investor.

Think of your retirement today already

With the largest digital asset manager in Central Europe

More about Intelligent Investing Let's Start

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You can open an account in Finax simply and conveniently online. Click on Let’s start on the top menu bar. You will get to the registration, in which you can select the goal of the investing (product) and answer a few questions about the intended investment and your profile, based on which we will choose a suitable investment strategy for you. You will then create online access, biometrically verify your identity, provide personal information, verify contact details, and sign a portfolio management agreement online. Afterward, nothing will be stopping you from building your wealth effectively. More information.

Finax was founded by Juraj Hrbatý, a seasoned financier with 16 years of experience, together with Radoslav Kasík, who previously worked as a portfolio manager for 9 years. The company's management is completed with Ján Jursa, Ján Tonka, Zoltán Csiba, and Michal Vaculik with extensive experience from various departments of banks, securities traders, and asset management companies. More information about the Finax team.

Finax charges a portfolio management fee of 1% p.a. + VAT on the average account value during the year, deducted on a monthly basis. When the volume of client assets under management with Finax is at least EUR 100 thousand, this fee is reduced to 0.85% p.a. + VAT. For more information on the fee structure of Finax services, please refer to the Price list of services.

Check the ongoing promotions to obtain an even higher discount.

Finax offers several discounts, thanks to which you can make your investment with us even more profitable. We regularly bring clients various special offers, but we also provide several permanent discounts, thanks to which you can exempt part of your assets from the portfolio management fee: discount for inviting a friend or discount for transferring investment to Finax from the competition.

All frequently asked questions

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