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Pension investment account (DIP)
Take the future into your own hands! Do not rely solely on government pension schemes and say goodbye to funds with high fees and poor returns. Invest for your retirement simply, with employer contributions, tax benefits and lower fees compared to our regular portfolios.
Fees
The fee is calculated from the current portfolio value and 1/12 of the annual fee is deducted once a month. The fee includes:
- processing of unlimited deposits and withdrawals
- unlimited ETF purchases and sales
- rebalancing (if you wish to rebalance your portfolio)
- processing of incoming dividends (applies to classic portfolios)
- currency conversion EURO↔CZK at the current market rate
- tax documents to make your tax claim easier
- customer support via chat, e-mail and phone
Transparent fees:
Fondee fees
VAT
Total costs / fees
Fondee fee 0.5% per annum
Investing for retirement cheaper than at a bank? You got it! The lower fee includes complete management of the pension portfolio.
VAT 0.11% per year
According to the law, our activity falls under financial services subject to VAT.
The fee is rounded; the exact rate can be found in the price list.
Conditions
Limits on age and number of portfolios
Have you celebrated your 18th birthday yet? Then there is nothing stopping you from opening a pension investment account with Fondee! You can set up one pension portfolio to invest for your old age with an even more favourable fee compared to our regular portfolios.
Withdrawals and transfers of funds
The pension portfolio is used for long-term investing. You can therefore withdraw the money free of charge and start enjoying it after your 60th birthday, provided that at least 10 years (120 months) have passed since the creation of the pension portfolio. It`s up to you whether you want to withdraw the entire amount at once, or use it up gradually and let some of it continue to appreciate in value. However, it is not possible to transfer money between pension and other Fondee portfolios.
Tax savings and contributions from the employer
Our pension account works as a long-term investment product (DIP) - a new government-backed retirement security vehicle working in Czechia. This means that your employer will be able to contribute to the pension portfolio with Fondee in a similar way to a classic pension. You can also deduct your DIP deposits from your tax base, saving up to CZK 7,200 per year.
Early withdrawal and portfolio cancellation
If you need to withdraw money from the pension portfolio before your 60th birthday or before the 10th anniversary of the contract, you can cancel it earlier. However, the conditions will be violated and we will therefore charge additional fees up to our standard amount of 1.09% per year.
If you use the pension account as a long-term investment product (DIP), and if you draw tax benefits, in the event of an early cancellation you will need to file a tax return and tax these savings ex-post in the same way as with pension savings or supplementary insurance.
Why invest for retirement with Fondee?
Safety net for old age
Do you also no longer believe in fairy tales about the government pension and do you know that saving does not beat inflation? It`s time to take the future into your own hands. Secure a better pension and start investing - you can do it with us.
Lower fees
We are glad that you want to treat yourself to a richer retirement. To support you, we offer a discounted fee of 0.61% per annum for pension portfolios (0.5% lower than other Fondee investments!).
Long-term investment product
Swap expensive pension funds with poor returns for a retirement account from Fondee. It works as a long-term investment product with tax advantages and the possibility of employer contributions.
Sustainable investments
Values and returns understand go hand in hand. Invest sustainably in portfolios that have beaten classic investments in recent years.
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