Grow your short-term savings calmly

A simple solution for money you'll need soon, but don't want sitting around in a checking account.
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Calm Investing
What is Calm Investing?

What is Calm Investing?

Most savings accounts and term deposits pay little to no interest. Calm Investing is an attractive alternative for growing short-term savings. It offers a higher expected return than bank deposits while keeping value fluctuations minimal. Furthermore, you're not required to commit your savings for a fixed period.

Up to 1 year or up to 3 years

Two strategies: we'll pick the right one based on when you'll need the money.

2.5% per year

Gross yield of the "Up to 1 Year" strategy

3.0% per year

Gross yield of the "Up to 3 Years" strategy

Yield by strategy

The figures represent the gross floating yield to maturity as of 17 September 2026, as reported by the ETF issuers. The yield is tied to the ECB's deposit facility rate and euro bond market rates, and it doesn't include our 0.5% fee.

This is the expected appreciation assuming that interest rates do not change during the investment period. In the event of a decrease or increase in interest rates, both the yield and the investment result may change. It is therefore not a reliable indicator of future performance.

A smart solution for a short investment period

Calm Investing

Don't leave money in an account where its value is falling due to inflation. Short-term investing allows you to appreciate the money you plan to use soon.

Calm Investing

Don't leave money in an account where its value is falling due to inflation. Short-term investing allows you to appreciate the money you plan to use soon.

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6 years
  • Suitable for short-term investing lasting for up to 3 years
  • Money available within a week
  • Management fee of only 0.5% per year

The graph is only illustrative. Past returns are not a guarantee of future performance. info

See the portfolio composition

Calm Investing uses ETFs that track the money market and short-term bonds. The "Up to 1 Year" strategy follows the short-term interest rates set by the European Central Bank, with almost no value fluctuations. It works even for investments lasting only a few months. The "Up to 3 Years" strategy aims for a higher return and accepts moderate value fluctuations along the way. That's why it's suitable for investments lasting 1 to 3 years.

Strategy up to 1 year
When to use this product?

When to use this product?

Calm Investing is ideal for money you don't need right now, but don't want sitting in a bank account. Use it for your emergency fund or for something you're saving towards: a holiday, a wedding, a renovation, a new car, or a deposit on a home. We'll set up the right strategy based on when you'll need the money and how much movement in account value you're comfortable with.

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Want to know more about Calm Investing?

What is Calm Investing composed of?

Calm Investing utilizes money market ETFs and short-term bonds. As a result, their yield reflects short-term interest rates in the economy at very low risk.

Money market ETFs track the interest rates at which banks lend money to one another overnight (via so-called overnight deposits). Bond ETFs, in turn, contain high-quality, short-term bonds issued by governments and corporations. The goal of Peace-of-mind investing is to give regular people access to the short-term interest rates at which governments or companies borrow money. Although these rates have risen significantly in recent years, banks have not fully reflected this in the interest rates of savings accounts or fixed-term deposits.

What is the difference between the strategies?

Both strategies are conservative and designed for short-term savings. The strategy up to 1 year is not subject to fluctuations in value, while the strategy up to 3 years has a higher yield potential.

Both strategies utilize money market ETFs and short-term bonds. The strategy up to 1 year yields returns that reflect the short-term interest rates set by the European Central Bank with virtually zero volatility in value. It is therefore suitable even for investments lasting a few months. The strategy up to 3 years offers higher yield potential with moderate fluctuations in value, though it remains a cautious solution. It is therefore suitable for investments lasting 1 to 3 years.

Which strategy should I choose?

You don't have to decide on your own. When opening an account, we will ask you when you will need the money and how you perceive fluctuations in value. Based on that, we will set up a suitable strategy for you.

If you want to have your money ready in the coming months, we will choose the strategy up to 1 year. If you have more time and want a higher potential yield, the strategy up to 3 years may be more suitable. As a result, you do not have to deal with selecting instruments or monitoring the market—we will take care of everything for you.

Is it as safe as a bank deposit?

Calm Investing is a minimal-risk solution suitable for storing short-term savings. However, it is not the same product as a bank deposit.

The risk of your savings not being paid out due to bankruptcy is similarly low with Peace-of-mind investing as in a bank. At Finax, funds are protected up to 50,000 euros by the Investment Guarantee Fund, while in a bank, up to 100,000 euros by the Deposit Protection Fund. Furthermore, at Finax, we must hold your assets separately from the company's assets, whereas in the case of a bank deposit, your savings enter the bank's assets, and the bank becomes your debtor.

The value of the investment may fluctuate, and the yield is not guaranteed. With the strategy up to 1 year, the fluctuation in value is minimal; with the strategy up to 3 years, it is slightly higher in exchange for a higher potential yield.
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Create your investment plan today

I want to invest € per month.
My goal is to prepare for retirement
  • prepare for retirement
  • secure my children’s future
  • build a financial reserve
  • buy a property
  • building wealth
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Got questions?

Opening an account with Finax is simple and comfortable, and you can do everything online. Click on "Start investing" in the top menu bar. You will be taken to registration, where you choose the purpose of your investing (the product) and answer a few questions about your planned investment and your profile. Based on your answers, we will select a suitable investment strategy for you. You then create online access, verify your identity biometrically, enter your personal data, confirm your contact details, and sign the portfolio management agreement online. After that, nothing stands in the way of building your wealth efficiently and with peace of mind. More information.
Finax was founded by Juraj Hrbatý, a seasoned finance professional with 16 years of experience, together with Radoslav Kasík, who had worked as a portfolio manager for 9 years. The management team is completed by Ján Jursa, Ján Tonka, Michal Vaculík, and Juraj Šnirc, all with extensive backgrounds from various departments of banks, securities dealers, and asset management companies. More information about the Finax team.
Calm Investing has a single portfolio management fee of 0.5% annually including VAT of the average account value during the year, deducted on a monthly basis. We do not charge any fees for deposits, withdrawals, or ETF trading. Fee schedule.
Check the current promotions to get an even better discount.

Finax offers several discounts that can make your investing with us even more beneficial. We regularly bring special offers to our clients and, in addition, provide long‑term discounts that allow you to have part of your assets managed without a portfolio management fee: a discount for inviting a friend or for transferring your investments to Finax from another provider.
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