Grow your short-term savings peacefully
A simple solution for money you want to have on hand, but don't want to let lose value in a current account.
What is Calm Investing
On most savings accounts and term deposits, you earn only low or zero interest. Calm investing is an attractive way to grow your short-term savings. With its expected return, it outperforms bank deposits while the value moves only slightly. You also do not have to lock your savings in for a fixed period.
Up to 1 year or up to 3 years
We will select one of the two strategies for you based on when you will need the money.
2.0% annually
Gross yield of the strategy up to 1 year
2.3% annually
Gross yield of the strategy up to 3 years
Yield by strategy
The figures presented represent the gross floating yield to maturity as of May 31, 2026, as reported by the ETF managers. The yield is tied to the ECB's deposit facility rate and interest rates in the Euro bond markets. It does not include the Finax fee of 0.5%.
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 period of time
Minimised risk
The portfolios are composed of a large number of safer instruments to ensure that their value fluctuates as little as possible.
Withdrawals at any time
You do not need to lock up your savings; you can request a withdrawal at any time free of charge. The money will arrive in your account within 3–10 days.
Even for just a few months
Ideal for storing savings you will need within 3 years, for example, for an apartment renovation or a car replacement.
Lower fee
Just one fee: 0.5 % per year (incl. VAT). No charges for deposits, withdrawals, or trades.
Higher returns
With Calm Investing, you will earn more than through most savings accounts or fixed-term deposits.
Tax-smart
Depending on your country of residence, investment gains may be exempt from tax once the relevant legal conditions are met.
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.
See the portfolio composition
Calm Investing utilizes ETF funds focused on the money market and short-term bonds. With its yield, the strategy up to 1 year reflects short-term interest rates set by the European Central Bank, with practically zero volatility in value. It is therefore suitable even for investments lasting a few months. The strategy up to 3 years offers a higher yield potential with moderate value fluctuation, though it still remains a cautious solution. It is therefore suitable for investments lasting 1 to 3 years.
What is it suitable for?
You can use Calm Investing whenever you do not need the money right away, but do not want to let it sit in a bank account. It is suitable for a financial reserve as well as planned expenses, such as a vacation, wedding, renovation, car replacement, or a future property purchase. We will set up the appropriate strategy for you based on your volatility tolerance and when you will need the money.
Are you considering possible financial goals?
Find out what suits you best
Do you want to take a deeper look into 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.
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.
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.
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 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.
Create your investment plan today
Got questions?
Finax offers several discounts that can make your investing with us even more worthwhile. Alongside regular special offers, we also provide permanent discounts that can exempt part of your assets from the portfolio management fee – for example, a discount for inviting a friend or for transferring your investments to Finax from another provider. Learn more about our discounts.
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