Save For Tomorrow
A simple entry
path — built with discipline.
Save For Tomorrow is WEM’s investment savings program — designed to make disciplined, long-term investing accessible from the first euro, without unnecessary entry fees, lock-in, or complexity.
Investment savings.
On institutional terms.
While our core focus is HNWI and UHNWI stewardship, we have always believed that disciplined investing should be possible at every stage of building wealth.
Save For Tomorrow extends WEM’s investment standards to emerging investors — through four strategies, full regulatory protection, and online onboarding from the first contribution.
Launched in 2018, Save For Tomorrow sits within WEM’s broader product architecture as a deliberate entry path — distinct in audience, consistent in standards.
Four strategies — calibrated to
your time horizon and risk tolerance.
Each Save For Tomorrow strategy is built around a different combination of objective, time horizon, and risk tolerance — from defensive preservation to long-horizon growth.
Choose the strategy that matches your goals; switch when your needs change.
Your calculator
An illustration, not a forecast.
Long-term investing rewards patience. The calculator below offers a sense of how regular monthly contributions may compound over time, across each Save For Tomorrow strategy.
See for yourself what your future earnings could look like.
Calculate your returns with
Save For Tomorrow.
Monthly investment amount
500 €
0
200
500
Number of years saving
25 years
0
20
40
Strategy
Total invested
Total saved
Institutional-grade structure.
Accesible simplicity.
The structure of Save For Tomorrow reflects the standards we apply across the firm — calibrated for accessibility.
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Disciplined investment management
Save For Tomorrow operates under WEM’s securities dealer license and full regulation by the National Bank of Slovakia. Each strategy invests through ETFs, selected and managed under the same investment discipline applied across our portfolio services.
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Transparent, fair fee structure
No entry fee. No fees on deposits or withdrawals. A single management fee applies — the lowest available on the Slovak market. What you contribute keeps working for you.
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Designed for real life
Open an account online in around 15 minutes. Set a regular contribution, vary it as needed, or pause it without penalty. Make additional one-time deposits at any time. Track everything via the WEM app or client zone.
Common goals
our clients build toward.
Save For Tomorrow is designed for investors saving toward a clear long-term objective. Among the most common reasons clients begin with us:
Long-term financial reserve:
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A base of capital for the medium-to-long term:
Beyond what cash savings alone can provide
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A major future commitment:
A home purchase, children's education, or another planned expense some years out
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The foundation for retirement:
Long-horizon contributions toward financial independence in later life
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Saving alongside the next generation:
Building a base for children or grandchildren as they reach adulthood
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A structured starting point for long-term investing:
A disciplined entry into capital markets, without the complexity of self-directed investing
Opening your account today.
Save For Tomorrow.
The process is fully online and typically takes around 15 minutes. You will need a valid ID and a recent bank statement; identity is verified by a short video call.
Once your account is active, you can set a regular contribution, choose a strategy — and begin.
Frequently asked questions.
Clear answers.
Everything you need to know to start easily, proceed with confidence, and reap fruits with satisfaction.
The process is fully online and takes around 15 minutes. You will need a valid ID, a recent bank statement, and a mobile phone for identity verification.
Once registered, our team confirms your details by a short video call before the account becomes active. If you would prefer to speak with someone before you begin, please contact our team at +421 908 054 549 or at frontoffice@wem.sk.
An investment strategy defines how your contributions are invested. With Save For Tomorrow, all four strategies invest through ETFs — broadly diversified, low-cost funds tracking global market indices. Your chosen strategy determines the asset mix (equity, bonds, money-market) selected on your behalf.
Strategy selection depends on time horizon, risk preference, and investment goals. During registration, you will complete an investment questionnaire that identifies your investor profile and recommends the strategies suited to it. If you would prefer to discuss the choice, please contact our team.
All deposits are protected up to €50,000 through the Investment Guarantee Fund (Garančný fond investícií). This protection covers deposits — not the value of the underlying investments, which fluctuates with markets.
Our team can assist with any step of the process — onboarding, identity verification, document review, or technical issues. Contact us at +421 908 054 549 or frontoffice@wem.sk.
Online registration is the first step. Your contract is then reviewed by our team and your identity confirmed via a short video call before the account is activated. The full process is designed to be remote — no in-person visits required.
Your account is visible at any time via the client zone. You will also receive a comprehensive statement covering portfolio value, transactions, and fees. You can choose whether to receive the statement via email or through the client portal, as well as the frequency — quarterly, semi-annually, or annually.
For meaningful long-term results, we recommend a regular monthly contribution of at least €100. There are no fees on deposits or withdrawals — so you can also send smaller or larger amounts as one-off contributions whenever it suits.
The next day after each trade is executed, you will receive a trade confirmation from us. You can find all confirmations, along with other information, in the client portal.
Save For Tomorrow is provided as a managed portfolio service — selection of the ETFs held within each strategy is our responsibility, in line with the strategy you have chosen. You select the strategy; we manage what sits within it.
The ETFs held within Save For Tomorrow are among the most liquid asset classes available. Once a withdrawal request is placed, processing typically takes between 4 to 7 working days from instruction to credited funds.
Yes — there is no limit on the number of strategies you can use, though each individual strategy may only be opened once per client. To add additional strategies to your account, contact us.
Yes — funds can be transferred between strategies on instruction. For details on how to place a transfer, please contact us.
Yes. An authorised person may:
- Place transfer instructions between strategies
- Communicate with our team on the same scope as the client
- Receive correspondence addressed to the client
An authorised person may not:
- Place withdrawal instructions or transfer funds out of the account
- Change or add bank account details
- Sign contract amendments
- Modify or update client data
You may close your account at any time, without notice or stated reason. You may also withdraw all funds while keeping the account active. No fees apply to either action.
Skip it. Regularity supports long-term outcomes, but Save For Tomorrow places no penalties or charges on missed contributions. You may contribute any amount in any month — including zero — without affecting the account.
Yes — additional deposits of any size can be made at any time, without fees. Many clients combine regular monthly contributions with occasional one-off deposits when circumstances allow.
Please contact us before transferring. We are happy to review the structure and help you assess whether the move is in your interest — and, if so, support the practical handover.
Yes. Wealth Effect Management o.c.p., a.s. holds a securities dealer license and is fully regulated by the National Bank of Slovakia. The license covers portfolio management services, including Save For Tomorrow.
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