Of course, that's what we're here for. We'll help you choose exactly the investments that match your investment expectations.

When you eventually want to invest on your own, you won't be alone. We will be happy to explain how everything works. And don't worry: in our app, it's no more complicated than sending money from one account to another.

For the sake of clarity, we would like to add that the app currently allows you to manage term deposits and investments in funds. Funds are ideal for beginners because you don't have to deal with any technical complexities, monitor the market, or deal with individual stocks. All of this is taken care of by a fund manager, in our case, a team of international experts who know how to deal with market fluctuations.

If you have at least a few dozens of extra euros per month, it usually makes sense to invest them long-term. This applies, of course, if you are managing your finances well and have some money set aside as a short-term reserve. 

Investments allow you to easily prepare for your retirement or save up faster for anything you need. Money behaves differently when invested than when simply saved, and this becomes most apparent over the long term. This is sometimes referred to as the snowball effect, because the more money you have invested, the more new money can be added to it. You can read more about this in the following question.

It is also a good idea to invest if you have a large sum of money that would otherwise be gathering dust. This money can simply make you more money instead of losing value due to inflation.

Honestly, you can. But if you invest wisely and in the long run, it's quite unlikely. Although markets experience various fluctuations, overall they are growing by more than 7% per year in the long term. This is precisely what long-term investments take advantage of. The second part of the magic is the snowball effect we talked about in the previous question. 

How does it work? Similar to compound interest, which Albert Einstein reportedly considered to be the eighth wonder of the world, it can surprisingly easily earn you millions. All you need to do is reinvest the money you earn from investing. This means that you are actually investing more and more and earning more and more.

How does it work in practice?

When you invest EUR 40 per month for 10 year

You will invest: EUR 4,800. You will earn interest: EUR 2,123. At the end, you will have: EUR 6,923.

When you invest EUR 40 per month for 35 years

You will invest: EUR 16,800. You will earn interest: EUR 55,242. At the end, you will have: EUR 72,042.

For the record: the chart is just an example of how compound interest works with an interest rate of 7% per annum. It does not show you exactly how the market will develop, nor does it take fees into account. We do not promise or guarantee that your money will grow in this way. In total, it may be less, but it may also be more.

You can see that even if you invest only 3.5 times longer, you will earn more than 26 times as much in interest. And if you start early, EUR 40 a month can turn into almost EUR 72,000 by the time you retire, which would otherwise take you over 150 years to save up.

For clarity, we are assuming an ideal situation in which financial markets grow by 7% annually. Compound interest works on the basis that you receive the same interest every year, which you then add to the money that is earning interest. The following year, you have a larger principal, you get more interest, which you add again... and so on, until you are rich.

Investments on stock markets do not look like this, of course, and a realistic chart would sometimes also show a decline. But at other times, it would grow much more than 7% per year. This, for example, is what 33 years of development of the popular S&P 500 index, which tracks the 500 strongest companies on the US market, looked like.

Source: curvo.eu, data from January 1992 to December 2025. Quote from 1 January 2026.

You can see that there have also been major slumps caused by several financial crises. In other years, however, growth was even greater, reaching a total of 11.02%.

So, as we’ve already mentioned: on average, the markets are growing by more than 7%. Earning Twenty times the original investment from the example above is actually a fairly conservative estimate.

What about short-term investments? Even these can be addressed relatively safely. More on this in the next question.

Yes and no. For example, blindly buying a one-year stock plan is inherently risky. It is difficult to predict whether a company or part of the market will grow, and even experienced investors are not always successful in this regard. You can earn a lot on such an investment, but you can also lose a lot. Luckily, you have several other good options.

The safest option is, of course, term deposits, where your deposit is insured and you are guaranteed a return. This means that you know in advance how much you will earn.

However, we can also choose more conservative funds that invest not only in stocks but also in safer assets, for example: bonds, precious metals, and other relatively stable commodities.

And then there's our Duet Plus, which combines the best of both worlds.

Every situation in life requires something different, and we will be happy to help you choose the right thing.

That is true. Even when accounting for major downturns such as the tulip mania of the 17th century, the US economic crisis of the 1930s, or the global crisis of 2008, stock markets have indeed grown steadily. Depending on how far back you look and how long a period you track, that growth tends to be more than 7% per year. And our funds always strive to grow a little more.

If you are considering regular investing, the best time to start is now. If, of course, you have some extra money. It makes no sense to postpone investing until the financial market improves. No one can say exactly when that will be.

On the contrary, the sooner you start, the more you can ultimately gain. Even if you only set aside a few dozen euros a month at first, it can eventually turn into thousands or even tens of thousands of euros. Just hold on.

And if you have a large sum of money that you don't need right now, investing is a good way to make it grow. Interest on savings accounts usually barely keeps up with inflation. It is better to choose a term deposit or some more conservative funds that can beat inflation and do not involve much risk.

Here, too, it is usually not worth waiting for a more favourable interest rate. While you wait, your money loses value, and in the end, you may end up with a worse interest rate. Because you simply cannot plan markets.

We are honest in saying that our investments may not be the best solution for you. It may happen that we discuss your ideas and find that we have nothing that would fulfil them. At the same time, however, we strive to prevent this from happening and always offer you something that will be among the best options on the market. How do we do it?

We work with experts from around the world on investment funds, which allows us to choose the partners who we believe best understand the various types of investments. Together with our international team, we then create new funds that you will only find with us at onemarkets.

When it comes to term deposits, we closely monitor market developments to ensure that we offer you competitive interest rates. What's more, we offer our unique Duet Plus, which combines the advantages of term deposits and investments.

If you can comfortably afford your mortgage payments, a long-term investment for your retirement or your children's future definitely makes sense. Make sure you have a large enough reserve so that you don't have to sell the property again.

At the same time, investments can be an attractive option for paying off your mortgage early. When you inherit money, for example, you can put the money into conservative funds for a few years and then have more money to pay off your mortgage.

A pension plan, or more precisely a supplementary pension savings plan, is great mainly because the government contributes to it and often also the employer. It is worth having and using these contributions.

However, a supplementary pension savings plan does not offer as wide a range of returns as regular investment in funds. With funds, you choose what to invest in yourself, which means you can achieve significantly more attractive returns. If you regularly set aside EUR 92 for 35 years, you could easily become a millionaire in retirement.

At the same time, contributions to a supplementary pension savings plan are tax deductible – the state allows you to reduce your tax base by a specified amount each year if you also contribute yourself. Moreover, your employer can contribute to your supplementary pension savings plan without you having to pay taxes or contributions (within your company limits).

And, of course, you can invest for reasons other than just providing for your retirement. There are plenty of options.

Not always, but often, yes. Thanks to investments, you can create a backup for worse times, which will also earn you some extra money. If you set aside just EUR 20 per month, in five years you will not only have a financial cushion of EUR 1,200, but you will also have enough money to buy a decent coffee machine, a new hi-fi system, or a comfortable rocking chair.