NaMiru (Tailored) Investments

We will help you choose where to invest

One-off or regular investments tailored to you.

Where I invest
You choose among mutual funds, which can invest in the shares of Microsoft, Visa, etc.
Why a mutual fund
If offers higher long-term appreciation than deposit products to offer your money better protection from inflation.
Regularly from CZK 500
You can start from as little as a few hundred a month
One-off at CZK 5,000
A few thousand is enough for a one-time investment
Money within reach
The current value of your investment can be available within 5 days
Online discount of 20%
Invest online with reduced entry fee
Benefits for activity

For your new or increased regular investment, we will chip in up to CZK 1,000 (2% of the total annual regular investment value). All you need is an account with us that receives at least CZK 15,000 per month and which you use to make at least five card payments per month.

Complete rules of the promotion

How to start investing?

You can do everything in Internet Banking (you need a current account with our bank).

  • We need to get to know you. That is why we will guide you through our investment questionnaire, which will clearly tell us about your expectations from your investments.
  • You will learn what type of investor you are, i.e. what your investment profile is. Based on that, we will choose the mutual fund to suit you best.
  • Ultimately, you can select whether to invest on a one-off basis or to start investing on a regular basis.

Just keep in mind that investment also carries risk and may not be suitable for everyone.

Depending on your perception of risk, there are four investor types

Very defensive

Defensive

Dynamic

Very dynamic

Are you interested in knowing the potential yield of your investment?

As investments are typically subject to fluctuations in value, we present three scenarios. The calculations are for information purposes only and do not constitute an offer of any kind. Investment also carries risk and may not be suitable for everyone. Return on the investment is not guaranteed.

Responsible investing

For the benefit of your wallet and the planet

As an investor, you can influence a number of things. Just choose a responsible mutual fund.

  • A responsible mutual fund invests in sustainability conscious companies
  • You can get value for your money with nature and society in mind
  • Your investment contributes to the growth of responsible businesses
Read the article

Additional application and advice options

Go to the investment portal

Get advice over the phone

Call me

Consult at a branch

FAQ

Why should I choose a NaMiru fund and not another?

Because it’s both accessible and tailor-made for you. First, you fill out an investment questionnaire that determines your investment profile. The result is an appropriate mix of investments in a single tailor-made fund. And that’s it. You don’t have to track or deal with anything or compile a portfolio of multiple funds. We’ll take care of everything.

Where can I apply for tailored investments?

Click on the apply online button, log into your Internet Banking, and we will guide you through the process. The entry fees are reduced by 20% for online applications. If needed, we will assist you at 495 300 300 or at the branch.

How exactly is the NaMiru service arranged?

It’s simple. First, we will go through a few questions together to give us an idea of what you think about investing. Based on the answers, we will prepare a solution in the form of a suitable investment mix – a specific tailored fund. To invest, you need a current account, which you can open online.

What are the fees when investing in NaMiru funds?

The investment includes a fund management fee and an entry fee. If you arrange the NaMiru investment online, the entry fees are reduced by 20%. Generally, fees are used to cover costs (e.g., schemes, advisory services, investment processing, fund administration, etc.), and you will always find them listed in the details of the specific fund.

This promotional document is for reference only and cannot be construed as the provision of investment advice or of any other investment services, nor is it a draft agreement. The investment value can fluctuate, and the return is not guaranteed. Past returns or expected performance forecasts do not guarantee future returns and do not take into account fees and taxes. A specific investment instrument may not be suitable for every client in terms of the target market. Detailed information on a specific investment instrument, including information on fees and risks, can be found on the Mutual Funds and Other Investments page under: Documents – Key Disclosures (in Czech), How to determine the product score (in Czech) and/or in the fund prospectus/statute (in Czech or English). Unlike traditional deposit products, mutual funds are not covered by the deposit insurance regime.