How do I register in the Orange Envelope®?

On the top right, click on “Sign in” and then click on “Sign up”. When registering, you need to fill in your email, create a password and consent to the processing of your personal data in accordance with GDPR rules. Afterwards, an activation e-mail will be sent to your e-mail address, after which you can log in.

How to complete the profile?

Before the products can be added, the profile has to be filled in, which consists of several steps:

• About me: First and last name are optional and they are for your own use only. However, data such as age, gender, education and year of entry into the labour market are important inputs for our microsimulation model, which will create customized projections for you based on these parameters. Marital status and number of dependants is only necessary to assess the riskiness of the loan.
• Risk profile: It’s an optional part, but you can use the risk profile to test your risk tolerance and find out what type of investor you are and what financial products are suitable and appropriate for you.

How do I find out what pension I can expect?

• 1st pillar (state pension): 1st and 2nd pillar are levy-linked schemes in Slovakia. Therefore, if you participate in the 2nd pillar, you can use the statement from the 2nd pillar to calculate the amount of your pension from the 1st pillar. If are not a member of the 2nd pillar, You can get an estimate of the 1st pillar (state pension) for Slovakia by uploading a statement from the Individual Insured Person’s Account, which is kept by the Social Insurance Institution (Sociálna poisťovňa).
• 2nd pillar: Choose your pension management company (DSS) and upload your transaction statement. For the purpose of calculating the expected pension, the Orange Envelope needs only the following data: date of turnover, name of the fund, levy period, type of turnover and the number of DJs. The Orange Envelope does not need and does not handle personal information from statements as they are not relevant in the calculation of the expected pension.
• 3rd pillar:Choose your supplementary pension company (DDS) and upload your transaction statement. For the purpose of calculating the expected pension, the Orange Envelope needs only the following data: date of turnover, name of the fund, levy period, type of turnover and the number of DJs. The Orange Envelope does not need and does not handle personal information from statements as they are not relevant in the calculation of the expected pension.
• 4th pillar or PEPP: Choose a product provider or employer.

How can I see the future value (projections) of my investments?

Create your own portfolio. Then you can add different investments, whether they are one-off or periodic. You can have multiple portfolios created and you can change their names. This allows you to manage them and track the return on specific investments.

Loans, insurance, real estate and savings. What are their profitability and costs?

In the profile, simply add the selected product and fill in its basic characteristics.