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 performance is no guarantee of 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.
This is a theoretical projection of returns for a Finax model portfolio, assuming an annual return of 8% and taking only the portfolio management fee into account. The actual return achieved may vary depending on financial market conditions, and your investment may also result in a loss. Please note that the presented investment strategy may not be suitable for all investors.

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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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 Vaculik, 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 further details on Finax service fees, please refer to our Price List.

Check the ongoing promotions to obtain an even higher discount.

At Finax, we provide various discounts to make your investments with us even more profitable. Alongside regular special offers, we offer several permanent discounts that allow you to exempt a part of your assets from the portfolio management fee: discount for inviting a friend and for transferring investments to Finax from competitors.

All frequently asked questions

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