Exceptional combination of return, risk and liquidity
Safe finance, close at hand
Grow your money without limit with an estimated return of 5.05% p.a. linked to the CNB base rate. Traded on a daily basis, funds when required are standardly in your account within 3 business days.
Why invest in the MONETIKA fund
Estimated return of 5.05% per annum
This yield is linked to the CNB base interest rate, making the fund a positive alternative to savings accounts and time deposits.
Safety
The fund is rated 1 - the lowest possible value - on the SRI seven-point risk scale.
Money always at hand
If required, money is normally in your account within 3 working days. Everything can be arranged online.
No limit on deposit
While banks usually limit the amount subject to higher interest rates, MONETIKA always maximises the value of the entire investment, regardless of amount- whether hundreds of crowns or millions
For individuals, HOAs and companies
Our fund is suitable for anyone intending to grow spare capital- from individuals, to companies, municipalities, foundations, or owners' associations. One-off and regular deposits start from CZK 100.
Possibility of tax benefits
Unlike bank savings accounts or fixed-term deposits, investments in MONETIKA are exempt from income tax once the time test is fulfilled.
Available from our financial partners
Investment strategy
As an open-end mutual fund, MONETIKA can invest in the most advantageous assets in all market conditions. The Fund aims to achieve appreciation at the level of the Czech National Bank's two-week repo rate, less estimated operating costs.
The Fund uses the following investment instruments to achieve appreciation:
Repo operations
Repo operations are among the monetary policy instruments through which the CNB supplies and withdraws liquidity from commercial banks, thus influencing the development of interest rates in the economy. Given the market situation, it is currently the most active instrument in MONETIKA's investment strategy.
Term deposits
Fixed-term deposits are negotiated for a fixed period of time with a fixed interest rate throughout the term of the deposit. Their advantage to the investment strategy is in enabling the Fund to sustain a higher yield.
Overnight deposits
A means for financial institutions to store excess liquidity for a short period between the end of one trading day and the start of the next, the CNB pays interest on these deposits at a discount rate.
