An emergency reserve before investing
We’ll separate your accessible reserve from a regular investment your budget can sustain even in a tighter month.
Start with what the money is for
Investing in Košice around your goals
Let’s review your goal, time until withdrawal and the fall in value you can tolerate. Money for near-term expenses needs different access from a long-term investment.
Review my investment plans
Risk and costs
We’ll review what the investment holds, how its value can change and the withdrawal terms. Returns are not guaranteed; you could lose money.
- Entry, ongoing and exit fees.
- Investment allocation and the fall in value you can tolerate.
- Access to your money when you plan to withdraw.
When to review the plan
We’ll review the plan when your income, goal or time until withdrawal changes. We’ll agree on a reason for any adjustment; one successful year for a fund or an upward curve is not enough.
Time and consistency
What could regular investments achieve?
Our own model assumes contributions at the end of each month and a constant annual return. You can change the assumption, including to a negative return. Future results are not guaranteed.
Modelled value
- Your contributions
- Difference from contributions
Excludes fees, taxes and inflation. Real investments fluctuate and you could lose money.
One point of contact. Directly with me.
Review my investment plans
I’ll call you and also send the specific options by email.
Martin Gago0950 638 350
[email protected]
By phone or online.
Platanová 404/5, 040 01 Košice
correspondence address only.
Let’s arrange a consultation.
* Both email and phone are required.
Questions before you decide
Good to know
Does investing regularly guarantee a return?
No. It spreads purchases over time but does not remove market risk. The value can fall below the amount you have invested.
What does the investment model show?
A result based on selected assumptions, not future performance. When interpreting it, take account of the stated costs and other limitations of the model.
Do I have to start with a large lump sum?
The amount and way you invest depend on your budget and the specific option. First, we’ll clarify how much you can leave invested without putting your emergency reserve at risk.
Information source: NBS – Surplus funds. This is a general explanation; we’ll discuss the specific terms during a consultation.