Of course, that's what we're here for. We will help you choose exactly the investments that match your investment expectations.

When you eventually want to invest on your own, you won't be alone. We will be happy to explain how everything works. And don't worry: in our app, it's no more complicated than sending money from one account to another.

For the sake of clarity, we would like to add that the app currently allows you to manage term deposits and investments in funds. Funds are ideal for beginners because you don't have to deal with any technical complexities, monitor the market, or deal with individual stocks. All of this is taken care of by a fund manager, in our case a team of international experts who know how to deal with market fluctuations.

If you have at least a few hundred korunas extra per month, it usually makes sense to invest them long-term. This applies, of course, if you are managing your finances well and have some money set aside as a short-term reserve. 

Investments allow you to easily prepare for your retirement or save up faster for anything you need. Money behaves differently when invested than when simply saved, and this becomes most apparent over a longer period of time.. This is sometimes referred to as the snowball effect, because the more money you have invested, the more new money can be added to it. You can read more about this in the following question.

It is also a good idea to invest if you have a large sum of money that would otherwise be gathering dust. This money can simply make you more money instead of losing value due to inflation.

Honestly, you can. But if you invest wisely and in the long run, it's quite unlikely. Although markets experience various fluctuations, overall, they are growing by more than 7% per year in the long term. This is precisely what long-term investments take advantage of. And the second part of the magic is the snowball effect we talked about in the previous question. How does it work?

Similar to compound interest, which Albert Einstein reportedly considered to be the eighth wonder of the world. I, it can surprisingly easily earn you millions. All you need to do is reinvest the money you earn from investing. This means that you are actually investing You’ll earn more and more as the years go on. And you can get even more. How does it work in practice?

When you invest CZK 1,000 per month for 10 years

You deposit: CZK 120,000. You earn: CZK 53,085 in interest. At the end you have: CZK 173,085.

When you invest CZK 1,000 per month for 35 years

You deposit: 420,000 CZK. You earn: 1,381,055 CZK in interest. At the end you have: 1,801,055 CZK.

For the record: the chart is just an example of how compound interest works with an interest rate of 7% per annum. It does not show you exactly how the market will develop, nor does it take fees into account. We do not promise or guarantee that your money will grow in this way. In total, it may be less, but it may also be more.

You can see that even if you invest only 3.5 times longer, you will earn more than 26 times as much in interest. And if you start early, a thousand a month can turn into almost two million by the time you retire, which would otherwise take you over 150 years to save up.

For clarity, we are assuming an ideal situation in which financial markets grow by 7% annually. Compound interest works on the basis that you receive the same interest every year, which you then add to the money that is earning interest. The following year, you have more of themprincipal, you get more interest, which you add again... and so on, until you are rich.

Investments on stock markets do not look like this, of course, and a realistic chart would sometimes also show a decline. But at other times, it would grow much more than 7% per year. This, for example, is what 33 years of development of the popular S&P 500 index, which tracks the 500 strongest companies on the US market, looked like.

Source: curvo.eu, data from January 1992 to December 2025. Quote from 1 January 2026.

You can see that there have also been major slumps caused by several financial crises. In other years, however, growth was even greater, reaching a total of 11.02%.

So, as we already mentioned, markets are growing by more than 7% on average, and the twentyfold increase in the example above is actually a fairly conservative estimate.

What about short-term investments? Even these can be addressed relatively safely. More on this in the next question.

Yes and no. Buying stocks for a year without thinking is inherently risky. It is difficult to predict whether a company or part of the market will grow, and even experienced investors are not always successful in this regard. You can earn a lot on such an investment, but you can also lose a lot. Luckily, you have several other good options.

The safest option is, of course, term deposits, where your deposit is insured and you are guaranteed a return. This means that you know in advance how much you will earn.

However, we can also choose more conservative funds that invest not only in stocks but also in safer assets, for example, bonds, precious metals, and other relatively stable commodities.

And then there's our Duet Plus, which combines the best of both worlds.

Every situation in life requires something different, and we will be happy to help you choose the right thing.

That is true. Even when accounting for major downturns such as the tulip mania of the 17th century, the US economic crisis of the 1930s, or the global crisis of 2008, stock markets have indeed grown steadily. Depending on how far back you look and how long a period you track, that growth tends to be more than 7% per year. And our funds always strive to grow a little more.

If you are considering regular investing, the best time to start is always now. If, of course, you have some extra money. It makes no sense to postpone investing until the financial market improves. No one can say exactly when that will be.

The sooner you start, the more you can ultimately gain. Even if you only set aside a few hundred crowns a month at first, it can eventually add up to hundreds of thousands. Just hold on.

And if you have a large sum of money that you don't need right now, investing is a good way to make it grow. Interest on savings accounts usually only just covers inflation. It is better to choose a term deposit or some more conservative funds that can beat inflation and do not involve much risk.

Here, too, it is usually not worth waiting for a more favourable interest rate. While you wait, your money loses value, and in the end, you may end up with a worse interest rate. Because you simply cannot plan markets.

We are honest in saying that our investments may not be the best solution for you. It may happen that we discuss your ideas and find that we have nothing that would fulfil them. At the same time, however, we strive to prevent this from happening and always offer you something that will be among the best options on the market. How do we do it?

We work with experts from around the world on investment funds, which allows us to choose the partners who we believe best understand the various types of investments. Together with our international team, we then create new funds that you will only find at onemarkets. You can invest in them just like that, or use them to secure your retirement within an  LTIP, which will save you fees and allow you to deduct part of your investments from your taxes.

When it comes to term deposits, we closely monitor market developments to ensure that we offer you competitive interest rates. What's more, we offer our unique Duet Plus, which combines the advantages of term deposits and investments. 

If you can comfortably afford your mortgage payments, a long-term investment for your retirement or your children's future definitely makes sense. Make sure you have a large enough reserve so that you don't have to sell the property again.

At the same time, investments can be an attractive option for paying off your mortgage early. When you inherit money, for example, you can put the money into conservative funds for a few years and then have more money to pay off your mortgage.

A pension plan, or more precisely, a supplementary pension savings plan, is great mainly because the government contributes to it. It is definitely okay to have it and take advantage of the state subsidy. At the same time, however, it does not offer nearly as many options as funds within an LTIP.

With these funds, you choose what to invest in, which means you can achieve significantly more attractive returns. If you regularly set aside CZK 2,222 for 35 years, you could easily become a millionaire in retirement.

At the same time, investments in an LTIP, like contributions to pension funds, are tax deductible. In total, you are entitled to a deduction of up to CZK 48,000 from all products supported by the state. And your employer can contribute another CZK 50,000 tax-free.

And, of course, you can invest for reasons other than just providing for your retirement. There are plenty of options.

Not always, but often, yes. Thanks to investments, you can create a backup for worse times, which will also earn you some extra money. If you set aside just CZK 500 per month, in five years you will not only have a financial cushion of CZK 30,000, but you will also have enough money to buy a decent coffee machine, a new hi-fi system, or a comfortable rocking chair.