Savings

The earlier you start saving money, the smaller the regular sums you have to save are to reach your target. Over a number of years, your savings will accrue compound interest. More value to your savings.

Funds

Funds are a suitable option for both savers and investors.
 
 
 

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Savings accounts

Higher interest on your savings Find an account that suits your needs and start saving in an easy way.

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Start saving in time

The earlier you start saving money, the smaller the regular sums you have to save are to reach your target. Over a number of years, your savings will accrue compound interest. For instance, the capital you invest will double in about 15 years if the return on your investment is five per cent.

1. Choose a suitable amount that you can increase with time

For example, if you save:  

  • 2 euros a day = 60 euros a month = 720 euros a year
  • 5 euros a day = 150 euros a month = 1,800 euros a year

2. Choose a saving product

  • A suitable alternative for regular saving is fund saving, where the minimum amount to be saved is 40 euros a month. 
  • Saving in our funds for savers is hassle-free, since our professionals follow the markets and the funds' investments on your behalf. You can easily find a suitable alternative from our six funds for savers.
  • The ASP account is suitable for young adults (aged 18 to 39) for saving the initial capital for their first own home. The minimum monthly sum to be saved is 50 euros.
  • You can also save small sums in an account. The ePiggy, for example, can help you with this.

Why should I save regularly?

  1. Brings security to your finances
  2. Does not require big income or initial capital
  3. Is suitable for those who want to accumulate a reserve fund.

Usually the best way is to put away a certain amount on paydays: when you do not see the money, you will not miss it, either.

Regular saving mitigates the effect of market volatility

Since market movements are impossible to forecast, it is difficult to time your investments at the best possible moment.

When you invest in several increments instead of everything in one go, you can avoid the risk related to timing.

By investing regularly, you can reduce the effect of market fluctuations over the long term, so you won't need to fret about market movements. 

Time diversification benefits investment in funds

The biggest benefit from time diversification can be gained by investing in assets with a highly fluctuating value. Such assets include equities, for example.

When you buy units in equity funds or balanced funds on a regular basis, some of your units will inevitably be bought at a time when their price is high, but the regularity of your investments will ensure that some are bought at the lowest prices.

  • Over the long term, you will always buy the fund units at the market price and benefit from any positive developments in the market.
  • And you should continue your regular saving when the market experiences a dip.
  • Every dip is an opportunity because the same monthly sum will buy you more fund units.

Fund savings agreement

A fund savings agreement is a tool for you to automate saving. When you save into a fund regularly and consistently, even small sums could turn into considerable wealth over time.