NaMiru (Tailored) Investments
Steps of investing in Smart
Please just bear in mind that investing involves risk and may not be suitable for everyone.
Aim your phone’s camera to open investments in Smart
If you don’t have Smart yet, the app will download first once the code has been read.
What the offer of funds is by type of investor
Very defensive
I’m looking for an alternative to savings. I don’t like to take risks, but I am aware that an investment’s value may fluctuate.
Defensive
I want an investment that can bring me higher returns compared to savings and that can keep pace with inflation. A marked fluctuation in the value of the investment would bother me.
Dynamic
I am aiming for higher returns and am willing to accept that the value of the investment may fluctuate more over time.
Very dynamic
I am aiming for the highest possible returns, even though the value of the investment may fluctuate significantly.
What is 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.
How to arrange; consultancy – other options
FAQ
Why should I arrange a tailor-made fund and not another?
Because it is both easy and customised for you. First, you fill in an investment questionnaire that determines your investment profile. The result is an appropriate mix of investments in tailor-made funds. And that’s it. You don’t have to track or deal with anything or compile a portfolio of multiple funds. We will take care of everything.
How can I arrange a tailor-made investment?
Just take a picture of the QR code. It will take you straight to investments in Smart. We will explain what investing is all about, you will set up how you want to invest, and then you will simply sign the necessary documents online. To invest, you need a current account, which you can open online.
What are the fees associated with investing?
The investment includes a fund management fee and an entry fee. Generally, fees are used to cover costs (e.g. schemes, advisory services, investment processing, fund management and administration, etc.), and you will always find them listed in the details of the specific fund.
How can I get zero entry fees on regular investments?
Simply arrange a regular investment in selected funds during the promotion period using the ČSOB Smart mobile app or via the Investment Portal. Throughout the life of the regular investment, you pay no fees. The promotion is valid from 1 July to 31 December. For more details see the terms and conditions of the promotion.
How do I get the highest rate on my savings account?
To be eligible for our TOP rate, all you have to do is fulfil 3 conditions:
- Make at least 5 card payments per month
- Wire an income of at least CZK 15,000 per month to our bank
- Set aside a total of at least CZK 1,500 per month for investment, supplementary pension savings or building savings (CZK 4,000 for Premium clients)
If you are under 27, all you have to do is pay by card. No need to worry about your income or regular savings.
Under Savings with a Bonus, a child under 18 will be eligible for the TOP rate if you as their legal guardian fulfil all the 3 conditions. I.e. you will pay by card, wire your income to us and regularly put money aside for investment, supplementary pension savings or building savings. A legal guardian who is under 27 merely has to pay by card.
The entitlement to this rate is assessed retroactively. This means that if you fulfil the conditions by, for example, the end of October, you will get a discounted interest rate from 6 November for the rest of November until 5 December.
For more information on the eligibility requirements for the Bonus and TOP rates, please visit www.csob.cz/uroky.
What do I have to do to get a reward of up to CZK 1,000?
For your new or increased regular investment, we will chip in up to CZK 1,000 (2% of the amount by which your regular investment increases). All you have to do is stay active:
- Wire your salary or pension to our bank (at least CZK 15,000 per month)
- Make at least 5 card payments per month
- Are you 18–26 years old? In that case, all you need to do is have an account and pay by card.
For more details see the terms and conditions of the promotion.
Documents to download
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 value of an investment 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. Taxation depends on the individual circumstances of each client. 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 Complete investment offer page under the tab of the investment instrument in the section: Documents – Key Information Notice (in Czech), How the product score is determined (in Czech) and/or in the Prospectus/Statutes of the fund (in Czech or English). Unlike traditional deposit products, mutual funds are not covered by the deposit insurance scheme.