Emergency fund

So that even bad times can be handled easily. It is always better to be prepared.

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Treat yourself to a feeling of security

With an emergency fund, you'll get rid of stress, make major decisions such as changing jobs or starting a business more easily, and even a leaking roof won't bring in an expensive loan.

Immediately available

In your account within a few days

Keep a small portion of your emergency fund in a savings account to cover immediate needs. Conservative investing will appreciate a portion of your reserve, still keeping it on hand at any time.

Get ahead of inflation

With an monthlu return of 8-9%

You don't have to watch inflation eat up your reserve in a bank account. Most of your fund can be invested conservatively to keep up with inflation, or even beat it.

Past returns do not guarantee future returns

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Independence

From disadvantageous loans

A fifth of Europeans does not have an emergency fund to cover the loss of one month's family income. For unexpected expenses, they must rely on unfavorable loans, the repayment of which hinders the wealth-building. Free yourself.

When to use the fund?

Emergency fund

  • Loss of employment or long-term sickness
  • Household defects, broken down car
  • Unexpected medical expenses
  • Need for a sudden change of housing, employment

How large should the fund be?

A full emergency fund should be able to cover family expenses for 3-6 months. It is at its optimum size when it gives you a sense of safety and security. We recommend larger amounts especially if you are paying off a mortgage, are self-employed, or expect a drop in household income, for example, due to parental leave.

How to create emergency fund?

An emergency fund is the absolute foundation of sound personal finance. Don't start building wealth without it. You may be forced to pointlessly withdraw money during market downturns.

If you have high-interest loans, a reserve of €500 to €1,000 is enough to get you started. Save up this amount as quickly as possible by setting aside every spare euro.

Once your debts are settled, continue to build up the fund bit by bit until it is complete. The same applies if you are forced to dip into your reserve one day.

Start creating an emergency fund

With the largest digital asset manager in Central Europe

More about Intelligent Investing

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DO YOU HAVE FURTHER QUESTIONS?

You can open an account in Moventum simply and conveniently online. Click on Let’s start on the top menu bar. You will get to the registration, in which you can select the goal of the investing (product) and answer a few questions about the intended investment and your profile, based on which we will choose a suitable investment strategy for you. You will then create online access, biometrically verify your identity, provide personal information, verify contact details, and sign a portfolio management agreement online. Afterward, nothing will be stopping you from building your wealth effectively.

Moventum began its operations in 2002 in Luxembourg as a fully licensed financial services company with a branch in Germany; in 2007 the company opened an office in Austria. It offers EU investors streamlined processes and a full range of services, including access to institutional investment funds, extensive back-office support and marketing and asset allocation tools. Approximately 1,850 investment consultants serving over 440,000 investors representing over 3.5 billion euros in assets under administration.

We only earn through a performance fee (8-18% of profit). Market profits are obviously important, so we only charge them to profits. No hidden costs. No transaction and rebalancing fees. No account maintenance or execution fees. Transparent and clearly defined portfolio and management rules. You can find the complete price list of our services on the about us section.



Moventum offers several discounts, thanks to which you can make your investment with us even more profitable. We regularly bring clients various special offers, but we also provide several permanent discounts, thanks to which you can exempt part of your assets from the portfolio management fee.

All frequently asked questions