Wealth management

Optimise your investments with Cisarius through stable, secure investments in tangible assets with minimised risk

Key principles for success:

The investment triangle: return, risk and liquidity

A diversified portfolio and the FEREO model

Our benefits:

Security and stability through investment in tangible assets

Cooperation with more than 40 companies in Slovakia

Extensive involvement in IT and manufacturing

Minimising the risk of losing control over a project and achieving the required results within two years

Our investment products and services

The investment triangle — return, risk and liquidity — is a fundamental principle that should guide every investment decision.

At Cisarius, we focus on maintaining a balanced portfolio. We support following the strategies of successful investors and allocating assets proportionately. One such approach is the FEREO model, which illustrates portfolio diversification across four main sectors.

In practice, all these sectors have never failed simultaneously during the past 400 years.

Choose Cisarius for a considered investment approach. We combine innovative thinking with conservative principles to help your investments withstand the challenges of time. Join us on the path towards financial prosperity.

Portfolio

Your investment performance in numbers

Average return

Total issue volume

0+ million €

Equity portfolio return

0.1%

Number of active projects

Average initial

investment

0 thousand €

Client satisfaction

I would like to invest View projects on Cisarius Real Estate

Private wealth management — the FEREO model

Introducing FEREO: the principles of a balanced portfolio

The FEREO investment model divides assets into four main sectors to create a balanced, diversified portfolio. The name “FEREO” comes from the initials of the English sector names, each representing a distinct investment opportunity.

Ideally, each sector should account for a roughly equal share of an investor’s private portfolio. We analyse each sector thoroughly to identify opportunities with strong growth potential or a secure environment for long-term investment.

The model’s philosophy

The first sector is fixed income (F). It includes fixed-return investments such as bonds and term deposits, which are known for stability and income generation. They can be compared to a dependable friend. Interest rates on term deposits used to be lower, but this has changed. Returns can now exceed 3% in some cases. With more than €10 billion invested in term deposits, these assets are clearly well established among Slovak savers.

Although this may sound impressive, the upward trend is even more encouraging. Ten years ago, the total amount invested in term deposits was only €13 billion, compared with €43 billion held in current accounts.

Term deposits are readily accessible and offer competitive interest rates. Bonds can provide a conservative investment option, particularly when secured by real assets. We therefore assess the risks and carefully structure our bonds to protect your investment and prioritise your interests if complications arise.

Another established opportunity is equity (E). This sector includes investment in shares or ownership interests in companies, often through investment funds. Equities offer growth potential but carry higher risk than fixed-income investments. Our portfolio also includes shares in companies that are not traded on a stock exchange, have undergone thorough analysis and offer attractive growth potential.

The next sector comprises real assets, most familiar through real estate (RE). Owning property and land offers the prospect of capital appreciation and a stable income, giving investors greater control over their financial future. Property investments include land and buildings, valued for their growth potential and the possibility of regular rental income. Whether family homes or apartments, we seek land and properties whose value exceeds the investment itself, providing tangible asset backing. Our extensive portfolio of more than 10,000 apartments in sought-after locations offers high-quality rental properties at favourable prices, with the aim of delivering stability and returns.

The final sector is opportunities (O). It may include alternative investments, commodities or other asset classes that do not fit neatly into fixed income, equity or real estate. It allows further diversification beyond conventional portfolio boundaries. We believe in the potential of alternative investments and offer clients the opportunity to participate. Investing in these emerging areas at the lowest available prices can also help optimise returns.

The FEREO model aims to maintain a balanced allocation across these four sectors, ideally with a similar share in each. Diversifying investments across the sectors seeks to spread risk and achieve more stable returns over time.

The specific assets and allocations within each sector may vary according to an individual’s risk tolerance, financial goals and market conditions. FEREO is one of many asset-allocation approaches used by investors and financial professionals to build balanced investment portfolios.

Cisarius offers access to a broad range of investment opportunities. Through conservative wealth management, investments backed by real assets and a diverse selection of options, we seek to provide stability, growth and peace of mind.

Join us on the path towards financial growth and prosperity. We will help you navigate the financial world and explore the potential of your investments. At Cisarius, your financial ambitions guide our work.

Fixed income

Term deposits:

Bank term deposits are a form of fixed-income investment. They are readily accessible to most people in Slovakia. A few years ago, interest rates on deposits with maturities of one to three years ranged from 0% to 1%. Today, returns can reach 4%, representing a positive change and a continuing upward trend.

Bonds:

Bond investment is often considered a conservative approach when the relevant facts and associated security are carefully assessed. Bonds, as debt instruments, commonly take two forms: government bonds and corporate bonds. Government bonds provide funding to the state and carry relatively low risk, although their interest rates are often lower than those on term deposits. They may therefore appear to be a dependable option.

Corporate bonds can raise concerns about the repayment of invested capital. It is essential to assess how investors’ funds are used as equity in relation to bank financing. Investment groups in Slovakia often use bond proceeds as their own funds when obtaining bank finance. If a project fails, banks generally enforce their claims, exposing investors to possible losses.

This is why our group focuses on bonds backed by real assets. We seek to ensure that the value of these assets does not exceed bank financing or, more importantly, the total project value. For each bond issue, we emphasise that issuance should be conditional on the issuer holding security over real assets, enabling investors to be compensated quickly regardless of the project’s current status. Building trust is essential in today’s investment environment.

We believe investments should be structured to reduce exposure to human factors, follow a clearly defined approach and maintain sufficient reserves to support secure, profitable returns. Our aim is to create the conditions for a secure and prosperous future.

We are committed to creating an environment where you can invest with confidence and see your funds grow. Take the next step towards your financial future.

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Equity

Investment in large corporations is no longer reserved for a select few. Investment funds allow even small investors to participate in the success of major companies. These funds pool a range of investment opportunities and can be accessed through regular monthly contributions.

Investment funds offer participation in major companies, from well-known technology businesses to leading corporations worldwide. Investors seeking a more conservative approach may consider index funds. By tracking recognised indices such as the S&P 500, they provide exposure to a broad range of successful companies. Past performance does not guarantee future results, although the S&P 500’s strong history provides grounds for expecting continued strong performance in the years ahead.

Our commitment to personalised portfolios sets us apart. Every client is different, and we believe a portfolio should reflect individual preferences and interests. These may include technology, agriculture, leading European businesses, global diversification or companies working in water and energy. Our specialists are available to discuss your goals and create a tailored, conservative portfolio that reflects your preferences while minimising risk.

Alongside a broad choice of investments, our group offers direct purchases of asset-backed shares. Shares registered in your name enable you to participate in general meetings and decision-making and to receive dividends. The shares we offer are backed by tangible assets, providing additional investment protection. Our projects offer estimated dividend returns ranging from 20% to 40%.

Purchasing shares is only the beginning. Following a stock market listing, the value of individual shares may rise further, providing additional returns through capital appreciation.

Interested in these benefits? Contact our head office or use our contact form to find out more. Our team will explain the opportunities and provide further information to support your investment decisions. Let us take the next step towards financial prosperity together.

Real estate

Slovaks have long viewed investment in tangible assets such as property as a primary way to protect their savings. The number of buildings owned per inhabitant in Slovakia is currently the highest in the European Union, reflecting a strong attachment to property ownership.

We cooperate with a broad range of estate agencies, giving us access to exclusive properties beyond conventional channels and online listings. We keep track of market trends and seek opportunities that may otherwise be overlooked.

When arranging property investments, we follow the investment triangle’s core principles. We seek to balance risk and return in a way that meets each client’s needs and reflects market conditions. Your peace of mind matters to us.

Our investment property portfolio spans the French Riviera, the Austrian mountains, Slovakia, Croatia and Bulgaria. Investments are often accompanied by high-quality property management services. Depending on the location, an apartment may be available for your own use for two months each year while generating annual rental returns of 5–8%.

Bonds:

We recognise that buying an investment property can be challenging for a first-time investor. Property funds may offer a more conservative and stable alternative. They provide an opportunity to grow financial assets while taking account of the client’s risk profile. The principle is to own assets selected for their investment potential, manage funds efficiently and enable clients to generate attractive returns.

Our commitment to putting clients first defines our approach. Preserving the value of client assets is a priority. We therefore seek to ensure that management fees are proportionate to the value of assets under management. This is a fundamental standard for us.

Ready to explore financial growth through property investment? We are here to introduce the opportunities available and help you take the next step.

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Opportunities

Explore investment opportunities in financial markets

Financial markets offer a wide range of instruments. We select opportunities across hedge funds, trading, precious metals such as gold and silver, and commodities. Modern wealth-building approaches also include cryptocurrencies, where digital innovation has created a new area of financial opportunity.

We partner with leading hedge funds to maintain an overview of available opportunities. We discuss each client’s needs individually to recommend suitable strategies. Through our recommended hedge funds, we can currently stabilise investments with a guaranteed fixed return of 12% per year or pursue returns of 15–20%. Our specialists are available to explain these opportunities in more detail.

Through a hedge fund, we can currently provide a fixed annual investment return of 12% or achieve returns of 15–20%. Our specialists are available to discuss the potential of these opportunities.

We maintain direct relationships with experienced stock market trading specialists. We offer established investment strategies with actual track records and can arrange direct consultations on request. Our aim is to make stock market investing more personal and demonstrate our commitment to clients’ investments.

When purchasing investment gold and silver, our focus on minimising margins can be an important advantage when comparing intermediaries.

For cryptocurrency investments, we work with established, verified companies that tailor portfolios to each client’s needs through innovation and open communication. Your investments are supported by professionals who help you pursue your financial goals with attention to your individual circumstances.

Invest with us in a world of opportunities supported by professional service. Your financial wellbeing remains our central focus.

Property development projects

Participate in a Cisarius Development project. Apartment sales are managed by Cisarius Real estate.

Our focus:

The Cerová residential project: 30 new apartments

Cisarius Development — developer and project owner

What we offer:

Strong partnerships and expert guidance

Access to selected property development projects

Transparent information and personal service

Thorough assessment of risks and collateral

Visit Cisarius Real Estate

Cisarius Development: the Cerová residential project

We are preparing 30 new apartments in Cerová in a project combining a specific property, the developer’s own funds and a clear sales strategy. Cisarius Development is responsible for the project and associated rights. Our subsidiary Cisarius Real estate manages apartment sales. Investors can participate in delivery under individually agreed terms.

The current plan includes approximately 1,650 m² of apartment floor space, averaging around 55 m² per apartment. Completion is planned for December 2026, with occupancy approval expected at the end of February 2027. Forecast revenue of €3.465 million is based on market analysis; apartment sales are the primary objective. Financing through the State Housing Development Fund (ŠFRB) is an additional option to support project liquidity. Read the Cerová project story and details (in Slovak). To discuss participation and returns, use the contact form below.

Property development projects

Our clients have the opportunity to share in project returns. We offer several ways to participate, with secured bonds a preferred option for many.

Returns, participation structure and collateral arrangements are assessed individually for each investment. We will present the project documentation and explain the process. Leave your contact details in the form or call +421 949 004 009.

For clients seeking short-term investments, our promissory note programme with enhanced collateral may be an option. The standard investment period is usually one year, offering flexibility.

Corporate clients can participate in a project with an investment starting from €500,000. Participation includes a secured share in the returns of the company owning the project, providing additional security and more favourable returns.

We take collateral seriously. For property projects, we ensure that the total invested amount, including bank financing, does not exceed the value established by an independent valuation. By adhering to these standards, we guarantee that external operational risks can be covered by selling the project at the relevant time.

Our current property development project is the Cerová apartment building, comprising 30 apartments. Cisarius Development oversees delivery, while Cisarius Real estate manages sales. Investors can participate in creating new homes. View the Cerová project visualisation and story (in Slovak).

Completion of the apartment building is planned for December 2026, with occupancy approval expected at the end of February 2027. Apartment sales are the project’s principal revenue strategy. We will explain the specific investment terms and timeframe in a personal meeting.

Explore secured investments with us and discover new possibilities in private wealth management.

Small property development projects

Discover simplicity and security

At Cisarius, we believe size is not the only measure of success. We are also interested in supporting smaller businesses and developing projects with total equity funding requirements below €500,000.

We are therefore focusing on countries in the Balkan Peninsula that have strong connections to the main European electricity grid.

Higher solar irradiation in these countries often results in photovoltaic electricity output 50% above levels in Central Europe. Even allowing for lower electricity purchase prices, this creates an opportunity for significant investment returns.

Some projects also offer the potential advantage of financing from the European Central Bank, providing access to funds at favourable interest rates with a minimal equity contribution. Available subsidies further increase the appeal of these projects.

We currently focus on opportunities in Greece, Romania and Croatia, where we have established a strong position. We are also active in other countries, where communication and cooperation underpin our programmes. Together, we aim to advance renewable energy across borders.

Green energy

Green energy: secure investments, sustainable returns and overcoming the uncertainties of traditional property investment

Benefits:

Property development vs. green energy

Guaranteed electricity purchase prices

Securing dependable returns

More about green energy

Green energy

Here are some of the factors that convinced us and that we believe make green energy investment worth considering:

Environmental benefits: green energy sources such as solar, wind, hydro and geothermal power have a significantly lower carbon footprint than fossil fuels. Investment in green energy helps mitigate climate change, reduce air pollution and preserve ecosystems.

For the Cerová project, completion is planned for December 2026 and occupancy approval for the end of February 2027. The timeframe and terms of each investment are always presented in relation to the specific project.

For clients seeking short-term investments, our promissory note programme with enhanced collateral may be an option. The standard investment period is usually one year, offering flexibility.

Cisarius Development’s current project in Cerová will provide 30 new apartments. Sales are managed by Cisarius Real estate. Read the details and view the visualisation in the Cerová project article (in Slovak).

Given the current situation, we expect the first phase to be completed and the first returns paid within three years. The entire project, including sales of individual plots, is expected to take five to seven years, depending on the pace of plot sales.

Explore secured investments with us and discover new possibilities in private wealth management.

Green energy — unlocking the potential of a sustainable future

Green energy has become a widely discussed investment topic, drawing attention to the restoration of our planet. Global investment trends and guidance from the European Union and European Parliament provide insight into the future direction of Europe and the wider world.

Green energy captures the imagination and offers hope for restoring our planet. It attracts the interest of investors worldwide. Global investment trends and guidance from the European Union and European Parliament provide valuable insight into the future direction of Europe and the wider world.

The search for green energy sources is an integral part of geopolitical strategies around the world. EU policies and subsidy allocations support investment in renewable energy. Germany is a prominent example, having phased out nuclear power while working to reduce the carbon footprints of different industries through a gradual transition to renewables.

Using renewable resources such as sunlight, wind and flowing water supports the sustainability and wellbeing of our planet. Investment in green energy allows us to take part in restoring environmental balance and supporting a society built on sustainability and environmental responsibility.

We recognise that barriers to entering the sector in Slovakia remain challenging. The Slovak legislative framework does not yet provide strong support for new green energy projects. We have therefore established operations in the Czech Republic, where we work with specialists who have more than 20 years of renewable energy experience. Together, we support ambitious projects that advance renewable energy development.

In the Czech Republic, we currently have access to approximately 25 photovoltaic power plant projects that we aim to deliver over the next two to three years. Together, we can use this potential to support sustainable energy solutions and a future in harmony with nature.

Our own projects

We are currently building an 11 MWh power plant with irradiation of A 10 MWh, which we believe will generate the first returns for bond investors within one year.

Depending on the bond issue, we will incorporate further projects with building permits into our photovoltaic programme until we reach the target of €25 million invested. This will be directly linked to establishing a fund to manage the assets and the bond issue.

Building a power plant: generating returns for investors

We are preparing the construction and delivery of a power plant project intended to generate cash flows from photovoltaic operations and develop our presence in the energy sector. The project aims to build a plant with a capacity of 11 MW and an output of 10 MW.

Our main objective is for this project to generate initial returns for bond investors within one year of construction starting. We are confident in our ability to achieve this.

Our plans extend beyond this project. We are incorporating further projects with building permits into the programme and working towards a bond issue totalling €25 million. The process will be managed by a carefully selected securities dealer with whom we have agreed to cooperate on managing and overseeing the assets associated with the power plant and the bond issue. The public bond issue is planned to launch in the first quarter of 2024.

We believe this initiative offers a significant opportunity for investors seeking sustainable, profitable investments in renewable energy. By combining innovative technology, careful planning and a long-term vision, we aim to provide a stable approach to investing in clean energy production.

Join us on the path towards a greener, more sustainable future. Together, we can help shape the energy landscape and address the challenges of climate change.

Projects in the Czech Republic

Our partners in the Czech Republic have helped us assemble a substantial pipeline of projects awaiting delivery. Our business group operates in this market without language or legislative barriers.

As the company develops, our team in the region is also growing. This is both a logical and strategic step, taking account of the legislation governing renewable energy.

While developing projects in the Czech Republic, we remain proud of our identity as a Slovak company. We conduct banking transactions and electricity purchases in our home currency, the euro. This automatically eliminates potential risks arising from currency fluctuations.

Our reliability and success are founded on a team with extensive experience of similar installations. We draw on that experience to maintain our commitment to dependable delivery.

International projects

As renewable energy takes a prominent place on the global agenda, we are looking beyond neighbouring countries to regions where developing sustainable electricity sources offers significant importance and potential.

We are therefore focusing on countries in the Balkan Peninsula with strong connections to the main European electricity grid.

Project financing

Cisarius Leasing oversees financing for real assets and business opportunities within our group. We connect investors’ capital with companies’ needs and a specific purpose for its use.

How do we assess projects?

Getting to know the project in person

Financial and legal analysis of the project

Agreeing the terms

Contractual documentation

Inclusion in the investment portfolio

What do we invest in?

Financing options include company vehicles, technologies, machinery and equipment, other movable assets, property owned by legal entities, and commodity transactions involving real goods. We assess each case according to its economics, asset value and collateral terms.

A shared vision

We follow the principles of fairness, transparency and mutual professionalism. (Trust)

Attractive returns

We achieve above-average returns through a conservative approach.

More about project financing

Cisarius Leasing: capital with a defined purpose

Businesses need vehicles, technologies and goods to grow. Investors seek opportunities where they understand how their capital is used and how it will be repaid. Cisarius Leasing connects these needs within our group by financing real assets and business transactions.

Under the Cisarius Leasing model, the company acquires a selected asset and makes it available to a business client. The asset remains company property throughout the lease, and agreed payments generate regular cash flow. Specific terms depend on the asset financed and the contractual relationship.

Another option is commodity financing: purchasing specific goods, delivering them and selling them to a business customer. The economics are based on the trading margin and the ability to reuse capital for another order once the transaction is complete.

To develop commodity financing, we cooperate with the B2B platform Rootie.eu, which connects business suppliers and buyers. Opportunities include food ingredients, chemicals, paper products and other industrial inputs. Enquiries about leasing business assets also come through Lizingovka.sk.

Each transaction is based on an identifiable financing purpose, an assessment of the asset’s value and a clear source of capital repayment. Depending on the transaction, collateral may comprise the financed asset or goods, a receivable or additional property. Its scope is always determined by the contractual documentation.

We present opportunities to participate in financing the Cisarius Leasing portfolio. Returns, maturity, payment arrangements and collateral terms are discussed individually according to the current offer and issue terms.

Learn about Cisarius Leasing and the financing process (in Slovak). To discuss returns or specific opportunities, leave your contact details in the form and mention “Cisarius Leasing” in your message. We will be pleased to explain the details.