Secure a relaxing retirement
Finax manages your money so you can enjoy a well-deserved rest - worry-free.
Why think about retirement today?
The state pension may not be enough
With an ageing population, the state pension is under growing pressure — and for many people, it simply won't stretch far enough. A little planning today can give you real peace of mind tomorrow.
Financial independence in old age
Imagine retiring on your own terms — spending time on the things and people you love, free from financial worry. The right savings plan can make that a reality.
The sooner you start, the less you need to save
The earlier you begin, the more your money grows — and the less you need to set aside each month. Even small steps today can make a big difference down the road.
Early retirement is possible
Life is too short to wait for a fixed retirement age. With enough saved, you get to decide when the time is right. Already in auto-enrolment? A Finax PEPP works alongside it — giving you more flexibility, more control, and a pension that travels with you across Europe.Your path to retirement savings.
Tax-advantaged
We invest in instruments that can help residents of many European countries pay little or no tax on their gains — keeping more of your money working for you.
Diversification
Your savings are spread across thousands of stocks and bonds from around the world — different countries, different sectors, all working together to protect and grow your money.
Fair fee
Just one simple, low management fee. No charges for deposits, withdrawals, performance, or ETF trading. No surprises — ever.
European Pension (PEPP)
PEPP is a pan-European personal pension designed to help you build retirement savings in a simple, transparent way. A straightforward path to a more secure future.
Investing in ETFs
Time is an investor's greatest friend. The longer you stay invested, the better your chances of reaching the goals that matter most to you.
Why invest for retirement today?
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.
How can Finax help with your retirement?
Finax offers you two modern investment solutions, that will help you build wealth to secure a retirement according to your needs and wishes.
European Pension - PEPP
PEPP is a pan-European personal pension designed to help you build retirement savings in a simple, transparent way. A straightforward path to a more secure future.
Investing in ETFs
Time is an investor's greatest friend. The longer you stay invested, the better your chances of reaching the goals that matter most to you.
Check out real examples of our clients
European Pension - PEPP
I’ve worked with my hands all my life. I don’t want my retirement to be about counting every euro. With Finax, I save for retirement, and today I know I won’t have to rely on my children in my old age. I can’t wait to fully enjoy my hobby – fishing.
Pavol
| 40 yearsAssembly Worker
Investing in ETFs
With two kids and a full-time job, I didn't have time to deal with complicated investments. Finax has given me peace of mind - I invest regularly for retirement and everything is working itself out. When I imagine the future, I see myself on the patio, with a cup of coffee, not stressed about money. That security is priceless.
Zuzana
| 34 years oldTranslator
Advantages of investing in retirement through Finax
Why invest in retirement through Finax?
We handle everything for you. No stress, no unnecessary questions. Retirement investing is as easy as never before.
Saving for retirement is often associated with uncertainty and complexity. Finax allows you to handle it without unnecessary stress or efforts. We will create a personalized investment plan, tailored to your needs, which automatically adjusts itself according to your age and attitude towards risk. We automatically rebalance your portfolio, so that the original investment composition remains optimal for you.
Low fee means more money for you
Transparent and low fee that won't threaten your returns.
If you opt for Investing in ETFs, you will pay us only 1% + VAT per year, significantly lower compared to traditional pension products or pension insurance schemes. If you opt for European pension (PEPP), the fee drops to 0,6% + VAT a year (in exchange for locking the money until reaching the retirement age). The total cost for the basic PEPP is 0.9% – of which 0.6% is Finax’s revenue, 0.14% VAT (charged together as a fee), and 0.16–0.22% are internal ETF fees already included in their price. No entrance or performance fees, typically charged in most pension schemes.
Lower fees mean that more of your money remains invested and appreciates for you. Everything is transparent with no hidden costs, meaning you know exactly how much and for what you're paying. Lower fees = larger pension.
Commitment according to your needs
You may pick and choose between full flexibility or locking your savings until the retirement age.
Finax offers two pension products with different commitment periods. The product Investing in ETFs allows for full flexibility. You may withdraw the funds at any time and the money will arrive in your bank account within a couple of days. This combination of flexibility and perfrormance is ideal for anyone who wants to make sure that they will always have their money available in times of need.
The product European pension (PEPP) only allows for usage of the funds invested upon reaching the retirement age. However, many deem this a good thing as they fear they would not be able to resist the urge to prematurely withdraw their pension savings (e.g. to purchase a new car). PEPP, therefore, offers a guarantee of maintaining discipline. In exchange, it offers a reduced management fee of only 0,6 % a year + VAT. The total cost for the basic PEPP is 0.9% – of which 0.6% is Finax’s revenue, 0.14% VAT (charged together as a fee), and 0.16–0.22% are internal ETF fees already included in their price.
Compound interest in practice
Earn returns on returns - effortlessly.
Compound interest is a powerful tool that makes investing a long-term profitable strategy. If you reinvest returns, you earn on the previous returns – the longer you invest, the faster your retirement grows. With us, this happens automatically. Just save regularly and leave the rest to us.
Tax advantages for your carefree future
With our pension products, more money remains in your pocket.
The tax regime depends on which one of our two products you choose. In the case of Investing in ETFs, the returns are usually tax-exempt after a certain period. This means that you don't have to give money to the state and the entire profit remains in your pocket. Therefore, you will me left with greater funds for a comfortable retirement - without hassle and useless bureaucracy, which we will handle for you.
The returns from European pension (PEPP) are usually subject to tax. During the payout phase they will be likely subject to withholding tax, just like a standard pension scheme. You may save on taxes during the saving process, as you can usually write-off your own contributions into PEPP. Keep in mind that the write-off limits are usually shared with contributions into the standard pension schemes.
Create an investment plan today
Thinking about possible financial goals?
Got questions?
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.
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