Frequently asked questions

ETF stands for Exchange-Traded Fund.

he cost-averaging effect (known as Dollar-Cost Averaging or DCA) is an investment strategy where you invest a fixed amount of money at regular intervals, regardless of the asset's current price. This approach helps reduce the risk of poor market timing and protects you from sudden price fluctuations.

A bond is a debt security that entitles its holder to the repayment of the nominal value and the payment of a yield by a specific date. Simultaneously, it represents an obligation for the issuer to repay the nominal value to the holder along with the corresponding yield.

It is a bond issued by a company that finances or directly carries out the development of a real estate development project.

It is the amount of interest that the bondholder earns while holding the bond.

It is the interest rate applied to the nominal value of a bond as compensation for providing funds for a certain period of time. It must be defined in the issue terms and conditions.

It is a bond without a coupon that is issued at a price lower than its nominal value. The price of the bond increases over time and reaches its nominal value at maturity.

Accrued interest belongs to the bondholder as a portion of the yield if they do not hold the bond until the next record date for the payment of the yield.

The record date is the date on which the holder of a security is entitled to the benefits arising from holding that security, such as the payment of a coupon or the payment of a dividend.

The issue terms and conditions of a bond must specify when the bond matures, i.e. the exact date on which the issuer will repay the nominal value of the bond to the investor.

It is the monetary amount stated on the bond that the issuer is obliged to repay to the bondholder upon the bond’s maturity.

They represent the basic characteristics, rights, and obligations arising from the issuance or holding of a security, such as the nominal value, coupon, maturity, place of payment, and similar terms.

The issuer is a person or entity authorized to issue bonds. The issuer undertakes to fulfill all obligations towards the bondholder in accordance with the issue terms and conditions.

QIF stands for a Qualified Investor Fund, which is intended for high-net-worth and professional investors.

The minimum initial investment amount for Synak ETF is EUR 125, and all information about the Qualified Investor Fund can be found here.

Sympatia has 0 entry fees for every investment.

You can find all detailed information in your client zone.

Investment income is taxed in accordance with the Income Tax Act (No. 595/2003). Depending on the type of security, the Act specifies the applicable tax.

Before making any investment, the investor needs to consider several risk factors, such as the history of the issuer of the security, the history of the partner through which they decide to invest, the current situation on the financial markets, geopolitical risks, liquidity risk, and similar factors.

Every investment involves risks. When investing, the higher the expected return, the higher the risk the investor must be willing to take.

The coupon payment dates are specified in the bond’s issue terms and conditions. The coupon may be paid once a year, several times a year, or only upon the bond’s maturity, by bank transfer to the bondholder’s bank account.

The purchase of additional project bonds depends on the stage of the development project. In some phases, the project requires more financing, while in others it requires less. Therefore, project bonds may not always be available for sale.

The conditions for early redemption of a bond are set out in the issue terms of each bond.

You can, but the issuer is not obliged to comply with the request. The issuer may have the funds raised through the issuance of project bonds tied up in an investment project and, at the time of the request, may not have sufficient free liquidity to redeem the bond early.

A project bond may be sold to another investor or, in the event of the final stage of a development project, the issuer may repurchase a limited amount of the bonds. In the case of a sale, the investor should take into account liquidity risk, meaning that the price at which the bond can be sold may not be identical to the price at which it was valued on the previous day.

Early termination of an investment in a project bond effectively means the sale of such bond. The bond will be sold at its market price, and the applicable fees in accordance with the current fee schedule will be deducted from the resulting amount.

Sympatia charges zero fees for early withdrawal on every investment.

You can access your investment account via your client zone.

The investment account statement is sent to the client zone after the end of each calendar quarter. You can view the current status of your assets and transactions on your investment account in the client zone.

You can find the complete fee schedule here.

Onboarding is a fast and efficient process for opening an investment account from the comfort of your home. All you need to do is choose an investment product.

Onboarding consists of 7 quick steps that will take you no more than 11 minutes.

Onboarding does not commit you to anything. Opening an investment account, as well as investing in our products, is entirely in your hands

Onboarding is not mandatory; however, it is a smooth, convenient, and fast way to start investing.

The only document required is your identity card.

The process of opening an investment account is very simple. If you need any assistance, please do not hesitate to contact us at info@sympatia.sk.

Of course, simplicity and convenience are our priorities.

Successful completion of the onboarding process results in the conclusion of an agreement for the selected investment product, which, however, becomes binding only after payment has been made by you.

The onboarding process is divided into several sections, between which you cannot go back. Review screens containing a summary of the entered information are provided to check your details. If, despite this review, the entered information contains an error, please contact us at info@sympatia.sk.

You may go through the onboarding process; however, the investment account and access to the client zone will only be opened after the first payment has been credited to our client account. If we do not receive the payment within 30 days of completing the onboarding process, your data will be deleted.

Yes, your data is safe. You enter it through a secure interface (HTTPS) between your device and our server. On our side, the data is then stored in secure encrypted storage, and access to it is subject to GDPR and our internal security policies.