4poradci is a trusted brand that offers expert financial advice and services. They understand the importance of managing and growing your funds in the long term, especially with uncertainties surrounding state pensions. But what about shorter-term investments, where lower risk and high liquidity are key? Luckily, 4poradci has several solutions for you.

They recommend having a savings account alongside your regular account, as it provides a solid foundation. The interest rates on these accounts can reach around 5-6% per year, with liquidity within a few seconds or at most, the next day. Another option is a fixed-term deposit, where your money is locked away for a specific period.

These deposits, typically lasting several months to a few years, earn around 6% interest per year. The interest rate remains constant throughout the chosen period, protecting you against market fluctuations. For those looking for even lower risk and high liquidity, 4poradci suggests investing in a repo fund.

These funds offer returns tied to the repo rate set by the Czech National Bank, currently at 7%. With potential annual returns of up to 6. 5%, these funds are ideal for one-time or regular investments.

Of course, the optimal strategy is a combination of these accounts based on your personal needs and goals. At 4poradci, they understand the uniqueness of each individual and are ready to guide you in making the best financial decisions for your future. Contact them today to schedule a free and non-binding 30-minute online consultation with their expert, Ondřej Růžička, DiS