Česká spořitelna is a trusted bank with the largest number of clients in the Czech Republic. He has been active in the capital market for many years as a securities trader and opens the door to the world of investments for everyone. Are you interested in investments yourself, or are you just timidly knocking on the door of investments?

Thanks to Česká spořitelna's investment consultancy, even a client who knows very little about investments can get into investing. The decision to invest may represent the optimal solution to your needs or life goals.

Investment advice is one of the main investment services regulated by the Capital Markets Act and the European legislation known as MiFID II.

The specific individual needs of the client are taken into account during the consultancy. We always try to propose an investment solution that is understandable for the client and corresponds to his situation.

The investment recommendation is always individually designed according to the client's knowledge and experience with investments, his financial background, investment goals, expected investment horizon and willingness to take any market risks to achieve the expected appreciation.

Building an investment portfolio is a long-term process

We use the broad analytical background of the entire Erste Group Bank financial group. Our models, built on long-term strategic and tactical asset allocation with an open investment architecture, fully take into account what is happening on the financial markets.

Our investment recommendations are therefore not limited to investment products within the Erste Group Bank financial group, but to create optimal investment solutions we include products from renowned investment managers such as BNP Paribas Asset Management, Fidelity International, Goldman Sachs Asset Management, Franklin Templeton in the investment solutions , or Allianz Global Investors.

Investment portfolios distribute (diversify) invested money between individual asset classes (mainly bonds, shares and alternative investment instruments – real estate, commodities). Thanks to this, they diversify the income potential, but also the possible market risks associated with investing in them. Individual asset classes behave differently under given market conditions. By combining them in one portfolio, we can use their interdependencies (correlations) for the benefit of the resulting Investment Portfolio profile. The ratio, i.e. the representation of individual asset classes in specific Investment Solutions, is determined by the resulting demand for their yield potential and the degree of fluctuation in their value.

• Cooperation with an Investment Specialist, with whom you will discuss possible options, what your investment portfolio could look like, how it can evaluate your funds, but also what risks it hides. 
• A quality built investment portfolio that fully respects your goals and needs. 
• Professional cooperation in regular management of the chosen investment strategy and monitoring of the situation on the financial market.