In Slovenia, according to the Statistical Office of the Republic of Slovenia, net financial assets (the difference between assets and liabilities) between households have been increasing for eighteen years and amounted to EUR 43,4 billion at the end of 2019. Compared to 2018, it increased by 10,9%. The financial assets of households, which include cash and deposits, shares and other financial instruments, have been growing to a greater extent in the last eight years than financial liabilities, especially loans. Despite extremely low deposit interest rates, bank deposits (especially transferable deposits) and cash (47.7%) still account for the largest share in the structure of financial assets, followed by equity and shares (30.6%), insurance (especially life insurance) and pension schemes (13.7%), debt securities and other claims (5.8%) and loans (2.2%). This points to the fact that households remain conservative and risk averse in their investment decisions, as in contrast to cash and deposits, the percentage of riskier investments remains relatively small. The key factors in this behavior of Slovenian savers are mainly the very poorly developed capital market and the lack of stable alternative investments.

When it comes to investment decisions, inflation must be understood and taken into account at the same time, as it affects all aspects of the economy, from consumer spending, business investment and interest rates to the regulation of money in circulation by central banks, which reduces the return on investment. In May 2021, the monthly price growth rate in Slovenia was 0.9%, while at the annual rate inflation was 2.1%. Assuming an interest rate of 0.5% for a deposit of up to 1 year (nominal yield) and an inflation rate of 2%, the actual yield is negative and amounts to -1.5%. Even in real estate, where apartments for rent have an average annual return of 3-5%, the effect of 2% inflation achieves a real return of 1-3%.

On the other hand, investments in cryptocurrencies are very popular today, where price growth has recently attracted more and more investors. As this is an extremely speculative investment, it is necessary to have enough knowledge and discipline in investment decisions, and the key problem is that the investor does not know exactly what they are investing in. The cryptocurrency market is unregulated and is often influenced by various manipulations. Because emotions still play an important role in investors, the diversification of investments and consequently wrong decisions are often disregarded. Emotions should never influence investment decisions, and in the event of a lack of financial literacy, investors should entrust the management of their assets (i.e. wealth management) to financial professionals.

However, it is advisable to invest in alternative forms of investment, which include real estate and infrastructure funds, purchase of receivables and other investments. Less known are investments or funds that repurchase receivables in their investment policy. It is necessary to distinguish between receivables from companies and those from consumers, as the former are much riskier in terms of the possible deterioration of corporate liquidity than receivables from individuals, who are in lower amounts and individuals guarantee with all their assets. In addition, this type of financing is mostly insured with insurance companies, which further minimizes the risk. Superos Fund Management Ltd., manages the alternative investment fund Superos Stability Fund, which, according to its investment policy, invests the assets of well-informed investors exclusively in the consumer financing of Slovenian citizens. The investment in this fund is adequately diversified and consequently significantly safer than other investments with a similar risk profile, while offering monthly liquidity, which is a rarity for other alternative investments.

Matevž Raztočnik

Matevž Raztočnik

CEO pri Superos, upravljanje alternativnih investicijskih skladov, d.o.o.
Director SFM

Andrej Laznik

With flexible financial solutions according to the highest business and moral standards, as well as an agile and dynamic customer-centric approach, we want to raise the bar when setting new standards. We believe and constantly prove that our approach is superb and we are best-equipped for the challenges of the future.


Klemen Mlakar

In his varied career Klemen has led and successfully managed assets of big investors. He is an expert in setting strategies, designing risk processes, and leading companies to financial stability. Klemen has seen numerous complex restructurings to successful ends, and led some of the most important merger projects in the region.


Boštjan Klinec

Boštjan is an expert with more than 20 years of international experience in insurance, banking, asset management, and leading investment funds. He has successfully led multiple projects focused on opening new markets, leading new companies abroad, and, once there, expanding them into local success stories.

Director Superos Fund Management

Andrej Laznik

In his diverse and extensive career, Andrej has more than 30 years of experience in leading large companies, establishing optimal organisationsand processes after company mergers, directing optimisation processes and streamlining expenses, all with the goal of cementing financial and business success.

Head of Back Office

Tanja Močnik

Tanja has over 20 years of experience at ALTA Invest and Poteza d.o.o.. Her expertise ranges from managing all the company‘s internal processes to leading its sales network. She has successfully run and integrated an enviable number of developmental projects.

Sales Director

Mateja Zavadlal

Throughout her more than 20-year career, Mateja has acquired extensive experience in both the public and private sectors in Slovenia and abroad. She built her career in management by leading mergers, directing financial and organisational restructurings, and leading companies in a variety of fields. Mateja is focused on establishing a company’s culture, streamlining business processes and building strong, successful teams.


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