Investment strategyTB HarmoniQ
Invest like the world’s wealthiest people
Income from multiple sources
It invests across all key asset classes, such as equities, bonds, alternative investments, and real estate.
It invests actively, adjusting the allocation of assets in response to changes in the market environment.
Protect your investment from
extreme declines
Basic information
Introduction of the fund
A comprehensive investment solution that makes all investment decisions for you.
It invests across all relevant global asset classes and adjusts their allocation in line with developments in the financial markets. The more diversified your investment portfolio is, the more you can benefit from it over the long term. In addition, it includes protection against panic-driven downturns in equity markets.
In the portfolio, alongside equities, bonds or real estate, you may also find commodities, private equity (offering the opportunity to participate in the growth of promising companies that are not publicly traded), hedge funds (aiming to deliver returns independent of equity market performance), bitcoin, receivables or microloans.
The investment strategy is inspired by how the world’s wealthiest people invest. You might expect them to buy mainly equities, since these offer the highest return potential. Reality is different. In 2024, equities made up only 30% of their model portfolio (source: UBS Global Family Office Report 2025). The rest was allocated to bonds, real estate, alternative assets and cash. Investment strategiesTB follow a similar approach.
With a performance of 5.9% in 2025, it ranked among the European elite. It achieved this through active equity timing, significant investments in gold, and by hedging the US dollar, which was strongly weakening.
Fund performance
The presented performances reflect the past, they do not represent an estimate of future development. They take into account costs and fees that are paid from the fund's assets. Other fees that could be applied to the investment, its transfer or redemption are not included.
Select the fund performance period
You can view the performance of the fund since its opening on 2.9.2005 by changing the column graph of the fund's performance to a line graph and entering the date of the fund's opening.
Composition of the fund
Fund composition chart i
Description of the fund's strategy
A unique and comprehensive investment solution that combines multiple investment approaches and asset classes designed to offset or mitigate declines in equity markets.
Its flexible investment strategy responds to changes in the market environment by actively adjusting the allocation of individual assets.
It also includes an options strategy that protects a significant portion of the equity component during periods of heightened panic in the equity markets.
The long-term share of equities in the fund is 25 %.
The largest investments in the fund
| TAM - Dynamický dlhopisový fond | 13,8 % |
| TAM - Dlhopisový fond | 10,1 % |
| EUR/USD Futures | 9,8 % |
| Dlhopis TB FRN 2027-10-26 EUR | 7,8 % |
| iShares MSCI USA ESG Screened ETF | 7,5 % |
Also included in the fund
Benefits of investing in the fund 
- Invests everywhere possible. The fund invests in stocks, bonds, currencies, and alternative investments, selecting the fastest-growing assets at any given time.
- The fund profits from stocks. A portion of the fund is constantly focused on stocks of global companies, which are the main source of returns.
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A comprehensive investment solution that makes investment decisions for you.
It combines various asset classes and investment approaches with the aim of delivering the best possible outcome across different market conditions.
Risks of investing in the fund 
The value of your investment may decrease due to:
- changes in stock prices (equity risk),
- changes in interest rates (interest rate risk),
- changes in the prices of alternative investments such as commodities, real estate (alternative investment risk),
- other risks - pricing risk, liquidity risk, concentration risk, underlying fund management risk, market gap risk, sustainability risk, political and regulatory risk.
- The complete risk profile of the fund is available in the fund's prospectus.
Documents
| Interesting information about the fund (SK) | Download | ||
| Key information document (SK) | Download | ||
| Sales prospectus and fund statute (SK) | Download |
"I don't want a lot of good investments, I want an excellent one."
Philip Arthur Fisher,
american equity investor
How and where to open Investment savingsTB in this fund?
How and where to make lump sum investment in this fund?
If you make a payment after the daily closing of the banking system (in the evening hours of the respective business day, approximately after 10:15 p.m.), the mutual fund units will be issued with the date of the following business day.
Need more information?
Leave us your phone number and we will call you.
Are you interested in a more dynamic composition of the fund?
Look at the Investment strategyTB SynergiQ
Disclaimer
This is a marketing notice. Before you make any investment decision, see the statute, sales prospectus and key information document of the mutual fund, which are available at Tatra banka, a.s. branches and at www.tam.sk in the Slovak language. Investing in a mutual fund is also associated with risk, and past returns are not a guarantee of future returns. Up to 100% of the value of the assets in the mutual fund can be invested in transferable securities and money market instruments issued or guaranteed by a member state of the Organization for Economic Cooperation and Development. Investments can be made primarily in units of money market, bond, equity and other open mutual funds. The expected performance used represents the median realistic estimated return by the management company Tatra Asset Management, správ. spol., a.s., based on the assumed composition of the fund, as well as on the basis of the estimated ten-year return of individual asset classes in which the fund can invest. The expected return is after deducting ongoing fees in terms of key information for mutual fund investors. Future return is subject to taxation, which depends on the investor's personal situation, which may change in the future. Investing may result in financial loss.
Frequently asked questions
- How to proceed when investing in mutual funds?
- What to prepare for when investing?
- What is the minimum investment amount and fees?
- Can I to send money to my investment savings at any time?
- How is the return on mutual fund assets paid out?
- What is the PLUS Savings Program and the Savings Program?
- How do I transfer money to another fund?
- Can I allow another person to dispose of my mutual fund?
- Can I invest in foreign currency?
- How are mutual fund share exchange rates determined?
- How is the return on the sale of mutual funds taxed?
- When will the sent amount be invested in the fund?
Blog and News
We have been moving the world of investment for over 28 years.
As of March 1, 2025, the new TAM Terms and Conditions will come into effect.
A simple way to change your regular payment to Investment SavingsTB (in Slovak language).
https://www.tatrabanka.sk/en/tam/offer-funds/funds/mutual-funds/conservative-funds/investment-strategy-harmoniq/