{"id":14934,"date":"2026-05-10T08:33:24","date_gmt":"2026-05-10T06:33:24","guid":{"rendered":"https:\/\/inova.to\/investing-isnt-about-numbers-but-about-what-we-leave-behind-juraj-richtarech-from-heredium-busts-myths-about-money\/"},"modified":"2026-05-10T08:33:24","modified_gmt":"2026-05-10T06:33:24","slug":"investing-isnt-about-numbers-but-about-what-we-leave-behind-juraj-richtarech-from-heredium-busts-myths-about-money","status":"publish","type":"post","link":"https:\/\/inova.to\/en\/investing-isnt-about-numbers-but-about-what-we-leave-behind-juraj-richtarech-from-heredium-busts-myths-about-money\/","title":{"rendered":"Investing isn\u2019t about numbers, but about what we leave behind. Juraj Richt\u00e1rech from HEREDIUM busts myths about money"},"content":{"rendered":"

Juraj isn\u2019t your typical \u201cfinance guy in a suit\u201d trying to sell you the latest product on the market. He\u2019s a visionary who understands that if we want to change Slovakia\u2019s financial future, we have to start at the foundations\u2014through education and values. <\/span><\/p>\n

When dissatisfaction turns into a clear goal<\/strong><\/h2>\n

Many great projects are born out of dissatisfaction with the status quo. That was also the case with HEREDIUM<\/a>. For a long time, Juraj watched how the Slovak financial market works\u2014and he didn\u2019t identify with it. <\/span><\/p>\n

\u201cThat vision came from frustration, but also from experience,\u201d<\/span><\/i> Juraj explains. <\/span> \u201cFor a long time, we\u2019ve seen that the financial market in Slovakia is built on products, not understanding. People sign contracts, but often don\u2019t understand what they\u2019re doing. And that\u2019s a problem.\u201d <\/span><\/i><\/p>\n

In his view, this is where the biggest crack forms. Without understanding, trust will never form\u2014nor discipline, and logically not long-term wealth either.<\/strong> That\u2019s why HEREDIUM isn\u2019t a typical financial company. It\u2019s a system that teaches people how to think. <\/span><\/p>\n

\u201cWhen someone understands money, they make decisions themselves\u2014and they make them right. That\u2019s when investing makes sense,\u201d <\/span><\/i> he adds.<\/span><\/p>\n

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More than just money: What is a true legacy?<\/strong><\/h2>\n

The name \u201cHeredium\u201d comes from Latin and means legacy. In today\u2019s world, most of us imagine a house, a car, or a fat bank account. But for Juraj and his team, the word has a much deeper meaning. <\/span><\/p>\n

\u201cFor us, legacy isn\u2019t just about assets. It\u2019s about the values we leave behind,\u201d <\/span><\/i> Juraj says with conviction. He points to a simple but harsh truth: if you leave someone only money but don\u2019t teach them how to handle it, they\u2019ll probably lose it.<\/strong> But if you pass on the right mindset, discipline, and values, they can build wealth again\u2014even if they lose everything. <\/span><\/p>\n

Juraj and HEREDIUM\u2019s goal isn\u2019t just to build a successful company. <\/span>\u201cWe want to leave behind a community of people who understand life and money\u2014and take responsibility for their decisions.\u201d<\/span><\/i><\/p>\n

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Why are Slovaks afraid to invest?<\/strong><\/h2>\n

The statistics are clear. Only a quarter of Slovaks invest actively, while the rest leave their money at the mercy of inflation in current accounts. Juraj sees the main problem in a system that didn\u2019t prepare us for real life with money. <\/strong><\/span><\/p>\n

\u201cAt school we learn math, but we don\u2019t learn how to work with money. At home, it\u2019s often not talked about because parents didn\u2019t have that experience themselves. And then the market comes along and, instead of education, offers products,\u201d <\/span><\/i> Juraj names the main reasons for this passivity. The result is a vicious circle of fear and distrust. In his view, people aren\u2019t stupid\u2014they just lack information in the right context. <\/span><\/p>\n

The future belongs to the young (if we teach them)<\/strong><\/h2>\n

One of HEREDIUM\u2019s most interesting activities is its programs for children and young people, such as <\/span>First Money, MoneyMind, or Geocaching. <\/b> Why would an investment group focus on children? The answer is both strategic and human. <\/span><\/p>\n

\u201cThat\u2019s where the future is decided. If you teach a 30-year-old how to work with money, you change their life. If you teach a 15-year-old, you change their entire direction,\u201d <\/span><\/i> explains Juraj. In his view, young people are a \u201cblank slate\u201d\u2014they have neither prejudices nor the bad habits of adults.<\/span><\/p>\n

For Juraj, the biggest reward is that famous \u201caha\u201d moment when a pupil or student understands the connections. <\/span>\u201cWhen they suddenly see that money isn\u2019t the problem, but a tool. Those are the moments we do this for.\u201d <\/span><\/i><\/p>\n

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\u201cFinancial gurus\u201d from social media<\/strong><\/h2>\n

In the age of crypto influencers and promises of getting rich overnight, HEREDIUM\u2019s approach feels almost old-fashioned. But that\u2019s exactly where their greatest strength lies. Juraj admits they don\u2019t compete with the noise of social media. They do the exact opposite. <\/span><\/p>\n

“We don\u2019t promise quick money. We don\u2019t promise shortcuts. We build trust through the truth\u2014even when it isn\u2019t always pleasant. <\/strong> We talk about discipline, time, and consistency. And that\u2019s not sexy. But it works.\u201d <\/span><\/i> While influencers sell fleeting emotion and \u201clambo\u201d dreams, Juraj\u2019s team builds on solid foundations and an understanding of reality.<\/span><\/p>\n

Lessons from a crisis: The biggest mistakes happen in panic<\/strong><\/h2>\n

The last few years have been tough for markets\u2014and for investors\u2019 psyche. Inflation, wars, uncertainty. But Juraj emphasizes that it\u2019s precisely in turbulent times that the truth comes out and you see who really understands what they\u2019re doing. <\/span><\/p>\n

\u201cMarkets fluctuate. That\u2019s their nature, not a problem,\u201d <\/span><\/i> Juraj says calmly. His advice to clients during panic was straightforward: <\/span>\u201cThe biggest mistakes aren\u2019t made during a downturn. They\u2019re made in panic. If you have a strategy, stick to it. If you don\u2019t, the problem isn\u2019t the market\u2014it\u2019s the lack of a plan.\u201d <\/i><\/strong> For a prepared investor, a crisis isn\u2019t a threat\u2014it\u2019s an opportunity.<\/span><\/p>\n