IAD SPORENIE is designed for everyone who wants to save e.g. retirement, a better education for your children or just for fun, and thus secure a financial reserve for the future for yourself or your loved ones. IAD SPORENIE offers a choice of 6 investment strategies according to the degree 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.

Basic information

Savings information



Basic information

  • 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. s.
  • Bank account of the fund: IBAN: SK92 7500 0000 0002 5515 1943
  • Variable symbol: Birth number/Company ID No.
  • Specific symbol: 20116

Savings information

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. 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


20 € 200 000 €
5 Y. 40 Y.

The model example shows the expected return of a regular monthly / one-off deposit with the entry fee taken into account from the amount of deposits for the chosen strategy. The expected return serves only as a model example and the actual development may differ from the given model example.

Do you want to create the saving or looking for further information?

Disclaimer. This material is a marketing communication. IAD Sporenie offers Investment strategies with a low to high degree of investment risk and is intended for persons who are non-professional clients and are not residents of the United States of America, and who are willing to take a medium to high risk associated with the investment, and thus the risk of fluctuations in its value, possibly also losses of invested funds, and whose investment goals are aimed at asset appreciation and/or the creation of a financial reserve. When providing IAD Sporenie, the client’s portfolio consists of financial instruments, which are unit certificates of mutual funds managed by IAD Investments, správ. spol., a.s. (hereinafter referred to as “IAD”) and funds intended for the acquisition of Financial Instruments. The value of the investment in the mutual fund can also decrease and the return of the originally invested amount is not guaranteed. Investment in mutual funds is also associated with risk. In accordance with the statutes of mutual funds, the share of securities issued by states and international organizations, listed in the annex to the statutes of individual mutual funds, may exceed 35% of the value of assets in the fund, while this share may reach up to 100%. IAD is obliged to pay out the share certificate of the Prvý realitný fond fund without delay, but at the latest within an extended period of 12 months. Assets in the fund According to the terms of a special law, the Prvý realitný fond is invested mainly in real estate, including accessories for the purposes of their management and sale, in equity participations in real estate companies and in liquid financial assets, the economic nature of which results from a close connection with the real estate market.

Before you make any investment decision, see all related information about IAD Sporenie, including the fees you pay as a Client, in the documents: Business Terms for IAD Sporenie, Offer of Investment Strategies for IAD Sporenie, Contract for IAD Sporenie, Schedule of Fees for IAD Sporenie and Information about IAD and the services provided by it, which are available in the slovak language at the headquarters of IAD, at the headquarters of the Intermediary or at Intermediaries who are subordinate financial agents and perform financial mediation on the basis of a contract concluded with the Intermediary. You can familiarize yourself with the statute, sales prospectus and document with key information of the funds in the slovak language at the IAD headquarters or at www.iad.sk.