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Stocks and bonds

Compare the growth and stabilizing parts of a portfolio before choosing a specific solution.

Stocks and bonds are core building blocks of an investment portfolio. Stocks offer higher growth potential and higher volatility, while bonds tend to provide stability, interest income, and a slower growth profile.

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Model a stock or bond scenario

The investment calculator has separate presets for stocks and bonds, so you can compare a dynamic and a more conservative scenario.

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Stocks

Stocks represent ownership in a company. They can provide strong long-term returns, but their value fluctuates with business results, the economy, and market sentiment.

  • Individual stocksRequire more time, company analysis, and risk discipline.
  • Indices and fundsBroader diversification reduces single-company risk.
  • Dividend stocksCan provide income, but dividends are not guaranteed.

Bonds

A bond is a security through which the issuer (a state or company) borrows money from investors. In return, it pays you regular interest (coupon) and repays the principal at maturity.

  • Government bondsIssued by the Slovak State Treasury. They carry the lowest risk as they are guaranteed by the state. Suitable for conservative investors.
  • Corporate bondsIssued by companies to finance their operations. They offer higher returns but also higher risk than government bonds.
  • Bond fundsMutual funds investing in a portfolio of bonds. They provide diversification and professional management.

Key risks when choosing

Stocks

  • Volatility: Stock prices can fall significantly in the short term.
  • Concentration: Too much exposure to one company increases portfolio risk.
  • Taxes: Tax treatment depends on security type, holding period, and country.
  • Currency: Foreign stocks also carry currency risk.

Bonds

  • Interest rate risk – when interest rates rise, prices of existing bonds fall
  • Credit risk – the issuer may be unable to repay the bond (greater risk with corporate bonds)
  • Inflation – if the bond yield is lower than inflation, you are losing purchasing power in real terms
  • Liquidity – some bonds are difficult to sell before maturity

Need to balance stocks and bonds?

We will help set the allocation based on your goal, horizon, experience, and tolerance for drawdowns.

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