Investment and Saving

Why Invest?

A good train of thought - keep on creating a financial reserve and invest in a way so your property is not losing value. Just to have money is not enough regardless of the amount in the account, whether it is 1é million or 100,000. What is important is what you do with the money. This approach separates the best from the average ones.

Diversifying Money in a Portfolio Is the Key

The difference between Czech households and the wealthiest people in the world can be discerned at the first glance. Czech households have their portfolio set up this way: 70 % in banks and insurance companies, 19 % in real estate, 9 % in portfolio investments, and 2 % in stock. But the wealthiest people have it this way: 12 % in banks and insurance companies, 16 % in real estate, 37 % in portfolio investments, and 35 % in stock.

Whereas 70 % of regular households received in the last 7 years valuation of 0.1 - 0.5 % annually before taxes, the wealthy ones enjoy the valuation of 8 - 12 % annually after taxes.

Would You Like to Add Value as the Wealthy Do?

Get in touch with our consultant who will answer any of your questions without you having to feel trapped.

We Will Help You to Get to Know the Investment Market

At Bonites, we help our clients to understand the habits of the wealthy investors and their meaning. We explain the differences between saving and investing. We create a network of crucial factors that you need to take into account when thinking about an investment. These are mainly the investment term, volatility, and liquidity. we diversify finances among the individual product types, beginning the the checking and savings accounts, building savings, and going through term deposits in banks and savings groups and investment funds (stock, bond, real estate, financial market), and ending at the direct purchase of stock, bonds, and real estate.

We Have a Wide Net of Partners

Wealthy clients prefer investment funds, Thanks to these funds you are able to purchase shares of world-wide known companies such as Apple, Tesla, McDonald's, Gillete, Nestle or from the Czech companies ČEZ, etc. Many people are surprised that is is possible to participate on the profit of these companies when investing just CZK 100 a month.

To select the right funds we let our partners help: Conseq, Franklin Templeton, Parvest, Generali Investments, Amundi (Pioneer), HSBC, Black Rock, Fidelity Funds, BNP Paribas, C-Quadrat, NN Investment Partners, etc.

When talking about real estate funds, we choose among the well-established brands like Investika, WMS Realita, DRFG AIF Real Estate Fund či Reico.

Partners for Investing and Saving


  • Amundi Czech Republic, investiční společnost, a.s.
  • ATLANTIK finanční trhy, a.s.
  • AXA investiční společnost, a.s.
  • Broker Trust, a.s.
  • Conseq Investment Management, a.s.
  • Cornhill Management, o.c.p., a.s.
  • CYRRUS, a.s.
  • Česká spořitelna, a.s.
  • EFEKTA obchodník s cennými papíry, a.s.
  • Generali Investments CEE, IS, a.s.
  • IAD Investments, správ.spol., a.s.
  • INVESTIKA, investiční společnost, a.s.
  • J&T BANKA, a.s.
  • Moventum S.C.A.
  • NN Investment Partners C.R., a.s.
  • WMS investiční společnost, a.s.

Retirement Savings

  • Allianz penzijní společnost, a.s.
  • AXA penzijní společnost, a.s.
  • Conseq penzijní společnost, a.s.
  • Česká spořitelna - penzijní společnost, a.s.
  • ČSOB Penzijní společnost, a.s.
  • KB Penzijní společnost, a.s.
  • NN Penzijní společnnost, a.s.
  • Penzijní společnost České pojišťovna, a.s.

Building Savings

  • Modrá pyramida stavební spořitelna, a.s.
  • Raiffeisen stavební spořitelna, a.s.
  • Stavební spořitelna České spořitelny, a.s.
  • Wüstenrot - stavební spořitelna, a.s.