New saving program IAD SPORENIE has been added to our product range. IAD SPORENIE is designed for everyone who wants to save e.g. for retirement or for education of children and it offers a choice of 6 investment strategies according to the level of risk the client is willing to take. The amount of expected return depends not only on selected investment strategy, but also on the saving period and the amount of the regular deposits.

  • Saving period (years): 5-40 years
  • Minimum monthly deposit: 20 EUR
  • Periodicity of saving: monthly, quarterly or single deposit
  • Investing strategies: Life-cycle, Real estate strategy, Balanced strategy, Mixed strategy, Growth strategy, PRF Saving
  • Bank details: ČSOB, a.s.
  • Bank account of the fund: IBAN: SK92 7500 0000 0002 5515 1943
  • Variable symbol: Birth number/Company ID No.
  • Specific symbol: 20116
  • Agreement number (or number assigned to the client during the acceptance process of IAD SPORENIE Agreement.)

Investment strategies for IAD SPORENIE

Life-cycle strategy - includes four investment strategies (Growth, Mixed, Balanced, Real Estate) that are applied according to your remaining saving period and the composition of your portfolio is adjusted according to them to achieve returns on your savings.

Real estate strategy - stable returns at low to medium level of investment risk. Mutual funds that invest primarily in real estate and bonds are acquired into the portfolio with a real estate strategy.

Balanced strategy - higher returns at medium to high level of investment risk. The balanced strategy portfolio includes mutual funds investing their assets in bonds, real estate, financial instruments whose underlying assets are shares and bonds and, to a lesser extent, shares.

Mixed strategy – higher returns at medium to higher investment risk. The mixed strategy portfolio includes mutual funds investing their assets primarily in equities, bonds and financial instruments, whose underlying assets are equities, bonds and, to a lesser extent real estate.

Growth strategy - higher returns at a higher degree of investment risk. The portfolio of the growth strategy includes mutual funds investing their assets primarily in equities, to a lesser extent in bonds, financial instruments the underlying of which are shares and bonds.

PRF Savings - stable returns at low to medium level of investment risk. At PRF Savings, following financial instruments are acquired into the portfolio - units of the First Real Estate Fund, which invests its assets in real estate.

As part of the Investment Strategies for IAD SPORENIE, you invest in financial instruments - mutual fund units managed by IAD. For more information on investment strategies, see the Investment Strategies Offer for IAD SPORENIE.

Starting from 20 EUR per month

With IAD SPORENIE you can save from 20 EUR per month, and you can determine the amount of the deposit by yourself according to your preferences.


  • flexible saving period from 5 to 40 years
  • different saving frequencies
  • up to 6 investment strategies to choose from


Free secure access to IAD ONLINE where you can track your savings progress 

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