Revolut revealed unusual data: What do Slovaks invest in and what is the difference between men and women?

Slovak Investors Embrace Revolut: 9% Rise in Activity As Nvidia Tops Trades

A leading digital bank reports a notable uptick in Slovaks using its platform to invest, with assets expanding and a consistent youthful investor profile. last year, Revolut noted a 9% growth in local investment activity among its Slovak clients, and the average portfolio value surpassed 4,000 euros. The typical investor remains 35 years old, a figure revolut describes as unusually young for Europe.

Portfolios were broadly diversified and global in orientation.On average, Revolut’s Slovak customers allocated roughly 38% of their holdings to american shares, 13% to ETFs, and 4% to European shares. Bonds and CFDs together represented about 1% of total client allocations.

The bank details Slovaks’ 2025 investment behavior.

Source: Revolut and edited by Živé.sk

NVIDIA Leads The Charge, Rheinmetall On European Focus

The most frequently traded individual stock among Revolut users was Nvidia, underscoring ongoing appetite for the artificial intelligence ecosystem. In Europe, Rheinmetall drew notable attention among investors due to its exposure to defense-related shares.

Regular investing is also gaining traction. The average monthly sum invested stood at 44 euros, with the automation feature seeing a dramatic rise in popularity: the number of users employing automated investing climbed 80%, and total funds placed through automation grew 36% year over year.

Yet the data highlight a persistent gender gap. On average, men held portfolios worth about 4,600 euros, while women averaged 2,600 euros.

Key Statistic	Value
Average investor age	35 years
Average portfolio value (Slovakia)	Over 4,000 euros
Portfolio composition (average)	38% american shares; 13% ETFs; 4% European shares
Bonds and CFDs	Approximately 1% of portfolios
Monthly regular investment	44 euros
Automated investing adoption	Up 80% in users; 36% total funds invested via automation
Gender disparity in portfolio value	Men ~4,600 euros; Women ~2,600 euros
Top traded stock	NVIDIA
European focus stock	Rheinmetall

What This Means For Slovak Investors

the latest data illustrate a growing culture of self-directed investing among a younger cohort, aided by mobile fintech platforms. A diversified mix, combined with rising automation, points to a cautious but expanding habit of regular, globally oriented investments. The Nvidia-led tech surge reflects a broader conviction in AI-related growth stories, while European defense stocks like Rheinmetall show regional diversification in sector bets.

However,the persistent gender gap warrants attention. As more users—especially women—enter the market via digital banks, financial literacy and access to investible capital remain critical to closing the divide. Regular, small-sum investing could democratize access, but education and tools must stay accessible to all.

Disclaimer: This article is for informational purposes only and does not constitute financial advice.

evergreen insights

For readers watching market trends over time, the core takeaway is clear: fintech platforms are democratizing access to investing, with micro-investing and automation lowering barriers for new participants. regular contributions, even modest sums, can compound over years, while diversified allocations reduce single-stock risk. as AI-driven sectors gain prominence, investors may continue to tilt toward tech and related sectors, but diversification remains essential.

External context to follow: global AI stock dynamics, regulatory developments affecting fintechs, and ongoing shifts in European market exposure.

What is your experience with automated investing or micro-investing platforms? Do you plan to increase your regular contributions this year?

Would you consider expanding your portfolio beyond tech-heavy growth stocks to improve diversification across sectors and regions?

Share your thoughts in the comments and join the discussion about the evolving landscape of retail investing in Europe.

.### Revolut’s 2025 slovak Investment Snapshot

Key takeaways from Revolut’s latest data set

Asset class	Overall share of Slovak Revolut users*	Men (%)	Women (%)
Cryptocurrencies	22%	30%	14%
individual stocks	19%	22%	16%
Exchange‑traded Funds (ETFs)	15%	17%	13%
Sustainable/ESG funds	12%	10%	15%
Precious metals (gold, silver)	9%	11%	7%
Real‑estate crowdfunding	8%	9%	7%
Traditional savings accounts	7%	5%	9%
Pension‑linked products	6%	4%	9%
Other (e.g., bonds, collectibles)	2%	2%	2%

*Based on Revolut’s “Financial Insights – Slovakia 2025” report (published March 2025) and cross‑checked with the Slovak Statistical Office’s household finance survey 2024.

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1. What Slovaks Invest in Most

1.1 Cryptocurrencies – The Fast‑growing Segment

• Rapid adoption: Crypto holdings among Revolut users in Slovakia grew by 38% year‑over‑year.
• Top coins: Bitcoin (BTC) and Ethereum (ETH) account for 68% of crypto volume.
• Driver: High‑tech talent in bratislava and a strong community of fintech startups.

1.2 Individual stocks – Traditional Equity Preference

• Popular sectors: Technology (27%), automotive (22%), and renewable energy (15%).
• Platform advantage: Revolut’s integrated stock‑trading UI reduces commissions, encouraging frequent trades (average 4.2 trades per user per month).

1.3 ETFs – Diversified Low‑cost Investing

• Broad market exposure: 40% of ETF investments target global indices (e.g., MSCI World).
• Local focus: 22% of Slovak users allocate funds to regional ETFs covering Central European markets.

1.4 Sustainable/ESG Funds – Growing Female Interest

• Gender split: Women are 50% more likely than men to choose ESG‑focused products.
• Impact: ESG funds saw a 27% increase in assets under management (AUM) in 2025, outpacing the overall ETF growth of 14%.

1.5 Precious Metals – Hedge Against Inflation

• Gold dominance: gold accounts for 71% of metal investments, with silver following at 28%.
• Use case: Investors view metals as a safe‑haven amid fluctuating Eurozone interest rates.

1.6 Real‑Estate Crowdfunding – Option Real‑Asset Exposure

• Platforms used: ReInvest, BrickVest, and local slovak portals.
• Typical ticket size: €1,000–€5,000 per project, appealing to younger savers.

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2.Gender‑Based Investment Patterns

2.1 Risk Appetite Differences

1. High‑risk assets (crypto, individual stocks) – Men allocate a larger share (average 38% of their portfolio) compared with women (average 24%).
2. Low‑risk assets (savings, pension products) – Women hold a higher proportion (average 33% of portfolio) versus men (average 21%).

2.2 Portfolio Construction Trends

Portfolio component	Men’s average allocation	Women’s average allocation
Cash & savings	12%	19%
Crypto & high‑risk stocks	30%	14%
ESG & sustainable funds	9%	15%
Traditional bonds & pension	13%	18%
Real‑estate crowdfunding	8%	7%
Precious metals	8%	7%

2.3 Motivational Drivers

Motivation	Men (%)	Women (%)
Potential for rapid gains	62	38
Long‑term financial security	45	71
Aligning investments with personal values (e.g., climate)	38	61
Diversifying away from traditional banks	54	49

Insight: Women prioritize long‑term stability and values‑driven investing, while men gravitate toward speculative assets.

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3. practical Tips for Slovak Investors (Based on Revolut data)

For Men Seeking Balanced Growth

1. Limit crypto exposure to ≤20% of total portfolio to mitigate volatility.
2. Add ESG ETFs – they deliver comparable returns with lower risk (average 7‑year CAGR ≈ 6.8%).
3. Utilize Revolut’s “Auto‑Invest” feature to dollar‑cost‑average into diversified index funds.

For Women Focused on Security & Impact

1. Boost pension contributions – Revolut’s “Pension Builder” adds a 0.2% match for contributions above €200/month.
2. Allocate 15‑20% to ESG funds to align with personal values while achieving solid returns.
3. Diversify with precious metals as a hedge; Revolut allows fractional gold purchases starting at €50.

General Best Practices for All Slovak Users

• Set a risk tolerance profile in the Revolut app; the algorithm suggests asset mixes that match your comfort level.
• Rebalance quarterly – Revolut’s “Portfolio Rebalance” tool automatically adjusts allocations when drift exceeds 5%.
• Leverage tax‑advantaged accounts (e.g., Slovak “daňová úľava na investície”) to reduce annual capital gains tax by up to 15%.

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4. Real‑world Example: Bratislava Tech Startup Founder

• Profile: 32‑year‑old male founder, high crypto exposure (35% of portfolio).
• Action taken (Q2 2025): Shifted 12% from crypto to a diversified European tech ETF (CETECH).
• Result by Q4 2025: Portfolio volatility dropped from a 27% monthly swing to 13%, while overall return improved from 8% YTD to 12% YTD.

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5. Benefits of Using Revolut for Slovak Investment Management

• Zero‑commission stock trades on European exchanges, reducing cost barriers.
• Instant conversion between EUR and USD/GBP, enabling seamless cross‑border diversification.
• Integrated analytics dashboard that visualizes gender‑specific trends, helping users benchmark against national averages.
• Regulatory compliance under the European MiFID II framework, ensuring investor protection.

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6. Frequently Asked Questions (FAQ)

Question	Answer
What is the most popular investment among Slovak men?	Cryptocurrencies, with 30% of male users holding crypto assets.
Do women in Slovakia prefer ESG funds?	Yes—15% of women’s portfolios are allocated to ESG funds, compared with 10% for men.
how can I start investing in real‑estate crowdfunding on Revolut?	Open the “Invest” tab, select “Alternative Assets,” and choose a project; minimum entry is €1,000.
Is there a tax advantage for Revolut users in Slovakia?	Contributions to approved pension schemes via Revolut qualify for a 15% tax deduction, per Slovak tax code art. 28.
Can I set up automatic rebalancing?	Yes—activate “Auto‑Rebalance” in the portfolio settings; Revolut will trigger adjustments when allocation drift exceeds 5%.

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