Saving and investing

In Slovakia, investing is governed by legislative rules, and taxation depends on the type of investment, the holding period, and how you invest. That's why it's essential to look beyond the return alone — and at the overall strategy.

What does investment advisory cover?

• analysing your financial situation and goals
• setting an investment horizon
• selecting an appropriate strategy
• explaining the risks
• comparing investment options
• long-term portfolio monitoring and rebalancing
• help optimising costs and fees

Why invest?

Money sitting only in a current or savings account loses value over time due to inflation.

Investing can help you to:

• protect your savings against inflation
• build long-term wealth
• build a financial reserve
• prepare for retirement
• achieve specific life goals

Before you start investing, ask yourself a few questions

Every investment should start from a concrete plan.

Key questions:

• What am I investing for?
• Over what horizon?
• How much risk am I prepared to take?
• Do I need quick access to the money?
• Will I invest a lump sum or contribute regularly?

These answers shape the choice of solution.

Investment horizon — one of the most important factors

How long you invest significantly shapes the strategy.

Short-term horizon (1–3 years)

Better suited to more conservative solutions.

Medium-term horizon (3–10 years)

Room to combine several investment instruments.

Long-term horizon (10+ years)

A longer horizon usually allows a higher share of dynamic investments.

As a general rule, the longer the horizon, the more room there is to ride out short-term market swings.

Risk and return go hand in hand

Every investment carries some level of risk.

Core principles:

Lower risk usually means a lower potential return.

A higher potential return tends to come with greater volatility.

The point is to set things up so you feel comfortable even during market downturns.

Diversification — don't put everything in one place

One of the core principles of investing is spreading risk.

Diversification means spreading the investment across:

• different regions
• industries
• asset classes
• multiple companies or funds

The goal isn't to eliminate risk entirely, but to reduce dependence on any one market or sector.

Taxation of investments in Slovakia

When investing, tax rules matter too.

Taxation can depend on:

• the type of investment product
• how long you hold it
• how you sell
• the legislative conditions in force at the time

Some investments qualify for a more favourable tax regime when certain conditions are met.

Tax rules can change, so it's worth keeping an eye on the current legislation.

Regular investing vs. a one-off lump sum

Regular investing

You invest a smaller amount every month.

Advantages:

• builds a savings habit
• less exposure to market volatility
• easier risk spreading
• accessible even with small amounts

One-off lump sum

A single larger deposit.

May be suitable:

• after selling a property
• after receiving an inheritance
• when you have spare funds available
• once your financial reserve is in place

The choice depends on your specific situation.

A financial reserve matters too

Before investing, it's wise to have a reserve set aside for unexpected events.

Typically in the amount of:

A reserve helps you avoid having to liquidate investments at a bad time.

Investing isn't a one-time decision

Your financial situation changes throughout life.

What changes:

• new goals
• changes in income
• family
• buying a property
• running a business
• retirement planning

That's why it's important to review investments regularly and adjust them to your current situation.

An individual approach, without empty promises

The goal of investing isn't chasing "miracle products" or short-term trends. What matters is setting up a strategy that's clear, sustainable in the long run, and aligned with your financial goals.

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