How to invest

Start investing

What I should know if I want to invest

Start investing

You can start right from CZK 500

Investing is not just for the rich. You can make an investment with as little as a couple of hundred CZK.

Always invest wisely. You should only invest an amount that you will not miss elsewhere. Please just always bear in mind that investing involves risk and may not be suitable for everyone.

You can follow the spending rule of 10:20:30:40
10% – basic reserve (savings account)
20% – investment (building up financial reserves)
30% – housing (mortgage, rent)
40% – consumption (food, utility bills, etc.)

How has a CZK 10,000 deposit appreciated during recent years?

The investment in the fund sometimes went up, sometimes down. This is natural; it is the result that matters. The longer you invest for, the better the chance you have of getting nice returns that savings accounts cannot achieve.

Source: KBC Group, Bloomberg, data as of 14 August 2026. Past returns are not a guarantee of future returns and do not take into account any entry or exit fees. Unlike traditional deposit products, mutual funds are not covered by the deposit insurance scheme

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The choice includes the ČSOB Bohatství (ČSOB Wealth) Fund as the largest mixed fund in the Czech Republic. In terms of the target market, the ČSOB Bohatství (ČSOB Wealth) Fund is intended for retail investors who have at least basic knowledge of investments and a profile of Defensive and above, with a minimum investment horizon of 5 years. They expect the value of their investment to grow over time to achieve a return on their investment. Information about fees and risks can be found on the page of the fund.

You can get your money back within 5 days

Your investment is always at your fingertips. When you sell it, you will usually receive its current value into your account within 5 days.

But please keep in mind that investments do their work over the course of time. The longer you invest for, the better your chances of returns.

Investing is not complicated

You don’t have to spend your nights watching the financial markets and picking the investment that will “lay the golden egg”.

We are available to help you online and at our branches. We will be happy to advise you where to invest.

All you need to do is set up the investment purchase. And then you can relax and watch how your investments are performing.

You can invest at any age

Protecting your savings against inflation makes sense at any age.

It is true that with a longer investment horizon you have more investment options. Thanks to the wide range of our investment products, the duration and riskiness of the investment can be tailored to each investor’s individual goals.

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.

Invest in Smart

All you need is a current account with us and the ČSOB Smart app on your phone.

  1. We will briefly introduce you to the investment options and then we will fill in the investment questionnaire together
  2. On the basis of your responses, we will recommend investments in selected funds
  3. You choose a fund and an amount, and your investment is made

Do you need advice?

I will seek advice by phone

I will drop into a branch

Arrange a meeting