Why did DDS Tatra banky come up with Comfort life^TB?

By analyzing the behavior of our clients, we found that the vast majority of savers do not conserve their savings before retirement. In the event of negative developments in the financial markets, they may end up losing a significant part of their future pension from DDS. On the contrary, many young clients choose overly conservative savings with a low potential return. Their future pension could be higher if they set up savings that also invest in growth assets such as stocks, commodities or real estate investments.
The entire change took place under the supervision and approval of the National Bank of Slovakia, which also issued decisions on these changes.

What are the advantages of Comfort life^TB?

The goal of Comfort life^TB is to achieve long-term growth of value of your savings in a way that is optimal for your age. A well-chosen Comfort life^TB  fund manages your savings by investing at the beginning of savings with an emphasis on returns and gradually moving the appreciated savings into more conservative assets in order to best protect them from the negative impact of financial markets. This will provide you with absolute comfort, as you no longer have to think about adjusting your pension savings to your current age.

Which fund is right for me?

Choose a fund that corresponds to your anticipated retirement. Comfort life^TB concept is exceptional in its simplicity and is based on savings in one fund that adapts to the saver's age. When choosing a fund, you follow a simple rule, namely your year and month of birth. Based on this, according to the measure of the Ministry of Internal Affairs and Communications, the estimated year when you will be entitled to a pension is calculated, and based on that, it is determined which fund is suitable for you.

What supplementary pension funds does DDS Tatra banky offer?

The names of the individual funds reflect the period of the saver's expected retirement. Each fund groups clients with an expected retirement 5 years before and 5 years after the year indicated in its name.

Is it possible to save in several funds at once?

Our Comfort life^TB concept is based on saving in just one appropriately chosen fund, according to the age of the saver. There is no need to divide your contribution into several funds that are intended for other clients - born earlier or later. Comfort life^TB will take care of the right mix of riskier and conservative savings for your anticipated retirement.

What happened to Secured Fund in 2017?

The ten-year reference insurance period ended in 2017, and the fund was merged into the Comfort life^TB 2020 on 22 September 2017

How and where can I request a fund change?

You can change the fund in your Internet bankingu ^TB, in Tatra banka branch, or via DIALOG live.

Does changing the fund affect my current benefit plan?

No. Your current conditions for the payment of the supplementary pension benefit will remain unchanged after the change of fund.