Investments

Money sitting in a savings account loses value to inflation every year. Investments grow your wealth — but only if done right. I'll build a plan that fits your goals, timeline and risk tolerance.

Tools I use

• Diversified ETF portfolios — globally diversified index funds (iShares, Vanguard, Amundi)
• DIP (Long-term investment product) — Czech tax-advantaged investment with annual deduction up to 48 000 CZK
• Supplementary pension savings (DPS) — with state contribution up to 340 CZK/month
• Individual stocks — selectively, for clients who want direct exposure
• Bonds — for conservative portfolios closer to retirement

My approach

• Low fees — ETFs with TER around 0.1–0.3% per year, not funds with 2%+ fees
• Diversification — never all eggs in one basket
• Long-term perspective — 10+ year horizon for stock portfolios
• Automation — regular monthly contributions, no market timing

Realistic returns

Historically, diversified global stock portfolios return 6–8% per year after inflation. Conservative mixes return 3–5%. Anyone promising guaranteed 10%+ returns is selling you something you don't want.