No approved document is published for this round and investor type. The system will not substitute an illustrative or different legal template.
Pocket Money · Monthly
EUR 94.12 every month.
R7: 14.0% p.a. paid monthly on the 25th.
Choose the investment round & amount. Inspect and sign documents. Fulfill payment request. Monthly coupon goes to your chosen IBAN.
Calculate your monthly income
EUR 750K / 990K available
Investment Round 7
14.0% p.a.Open
EUR
Tax residence
Slovakia · SK ⌄
Net monthly yield EUR 94.12
Total yield EUR 3,388.32
Gross monthly yield EUR 116.67
Bonds in package 5
Tax withheld — EUR 798.00
Other places this money could go
SK
Pocket Money · R7 14.0% p.a.
EUR 94.12 monthly
European 10Y govt bond avg 3.8% p.a.
EUR 31.42 monthly equivalent
Competitor corp bond avg 6.58% p.a.
EUR 54.83 monthly equivalent
S&P 500 ETF · CSPX (IE) · 5Y avg 10.1%* p.a.
EUR 83.83 monthly equivalent
Why Pocket Money
What makes us different
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Effortless yield
11–14% paid monthly. Effortless.
SK savings 2–4%. EU govt bonds 3–4%. IG corporate 4–6%. Pocket Money 11.0% R6, up to 14.0% R7. Lean senior team and marketing routed to subscribers, not brokers, makes the math work. Every 25th, into the IBAN you nominate.
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Hassle-free exit
Exit anytime for €20 flat fee.
Most retail bonds lock capital for the term or charge penalties. Pocket Money holds an operational cash reserve — smaller exits clear in ~30 days for €20, often 48 h. Five-year horizon is the contract; the reserve is the practice.
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Real investments
Tangible assets you can understand.
Around 22 small-to-medium companies in manufacturing, energy, real estate, land, IT, and logistics. No crypto, speculative ventures, fossil-heavy industries, defense, or adult.
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We develop the winners
We develop the winners.
Most retail bonds give you exposure to a borrower's existing business. GTF acquires undervalued companies and actively works them — cost, tax, supply chains, management, consolidation. The 11% comes from operational improvement, not a market bet.
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Rigorous risk management
Rigorous risk management.
Medium-risk per T&C §11. Not a bank deposit; no deposit insurance. Protection: ISO 31000, Certified Project Risk Manager on controls, EUR 4M operational insurance, PFCEU operating since 2006. Single bankruptcy costs ~1pp of yield.
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Be part of something bigger
€150M+ pipeline of deals.
€150M+ of live deal flow in PFCEU's pipeline. Eight rounds since 2022, ~6-month cadence; R6 active, R7 opens 25 May 2026. You're inside an active ecosystem; the monthly yield, reinvested, compounds toward financial independence.
AI assistant
If something needs checking, the assistant pulls the exact answer.
It reads from the product documentation and the company knowledge base — round mechanics, tax math, exit process, AML steps, risk structure, where to verify each claim. When something isn't covered, it says so and routes you to a real person.
Good first questions (Click to try)
Documents
Preview the package before we tailor it
Each box shows the first lines and opens the full document inline. You can inspect the material before requesting the personalized package by email.
Non-binding request
Your monthly passive income is a few clicks away
Request documentation prepared for your name, amount, and preferred round. Nothing is binding at this stage; you decide after reading the package at your own pace.
RECOMMENDED
Send me the documentation
Fill in the data needed to prepare the package. After AML review, you receive the Subscription Agreement, AML, GDPR notice, terms, teaser, and payment instructions.
HUMAN CALL
Want to think it through first?
Book a short human conversation. You can walk through amount, round choice, tax residence, and any question you would rather not handle through a form.
Done. The documentation can be prepared from these details.
- 1You receive the teaser and data confirmation email.
- 2AML/KYC review is handled by the authorized team, typically within 1-2 business days after full data is received.
- 3Personalized documents are sent: Subscription Agreement, AML, GDPR notice, T&C, teaser, and payment instructions.
- 4After signature and payment, certificate scan is sent within 10 days; monthly payments follow on the 25th.
More about Pocket Money
Vision
Capital that works in the real economy.
Pocket Money lets investors back a strategy built around useful assets: companies, real estate, land, energy and logistics. Things you can point to — and that we can actually improve.
Invest in assets you can point to.
Real things have real challenges — the kind capital can actually fix. When the investment goes into a tangible business, the result is visible: stronger operations, protected jobs, better-used assets, a clearer path to profit. Easy to track what each euro did.
Process
- R Research Find assets with real fundamentals and fixable problems.
- B Buy Acquire with discipline — where improvement matters.
- D Develop Cost, tax, process, management, data, asset use.
- K Keep Hold while the asset produces useful cashflow.
- S Sell Exit when the created value can be realised.
PFCEU s.r.o. Runs administration, project coordination, attaches expert teams.
GTF GROUP j.s.a. Issues bonds, deploys capital, owns investment decisions.
PFC TAX & AUDIT s.r.o. Due diligence, tax structure, audit, financial control.
Owners and shareholders
Other private and legal-person investors
Pocket Money investors
People
A small core with senior reach.
Strategy · sourcing · investment decisions
Ing. Radovan Lucina, MBA, CPRM
Leads strategy, acquisitions and key decisions. PFCEU has operated since 2006; GTF GROUP was created in 2020 as the bond-issuing and investment vehicle.
Finance · administration · payments
Ing. Adela Laniková
Practical contact for subscription documents, AML compliance, monthly payments, statements and exit requests. fin@gtfg.eu · +421 917 717 004.
Investor strategy and vision
Mgr. Adam
Owns the product explanation and the digital investor flow. The route to talk to him is the 15-minute call in the non-binding request section.
External experts across multiple fields
Specialist network
10+ external experts across various fields related to our strategy — legal, tax, audit, sector-specific due diligence and operational know-how.
Step in
The way in is Pocket Money.
Be part of something that has weight: real assets, specialist work, a monthly coupon in your IBAN. An investment that improves what it goes into.
Send me the documentation →Risk Management
Risk, named and managed.
Pocket Money is an unsecured corporate bond issued by GTF GROUP. Not a bank deposit, no deposit insurance. Repayment depends on the issuer's ability to meet obligations — we don't soften that. What we do: name each risk listed in T&C §11 and show what structurally works against it.
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01 Issuer credit risk T&C §11 What can go wrong
The bond is unsecured corporate debt of GTF GROUP. No specific collateral, no state guarantee, no deposit-protection fund.
How it's contained
Entire-property liability — issuer liable with all its assets, every company / property / instrument acquired (T&C §4.10). Insider subordination — founder, shareholder, related-party claims rank below public bondholders in insolvency (T&C §4.12 + §9 Bankruptcy Act 7/2005 Coll.). Owners absorb losses first.
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02 Cash-flow risk T&C §11 What can go wrong
Monthly coupons depend on the operating performance of the underlying portfolio — ~22 companies across manufacturing, energy, real estate, IT and logistics.
How it's contained
Dual-axis diversification — single portfolio-company bankruptcy reduces overall yield by ~1pp, not principal. Operational cash reserve ~EUR 100K. Performance-based management compensation flows only after bondholder obligations are fully covered.
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03 Early-exit risk T&C §11 What can go wrong
Exit is an operational practice, not a contractual demand-deposit right. Timeline can extend beyond 30 days under stress.
How it's contained
Under EUR 50K — paid from cash reserve, target 30 days, ~48 hrs for clean cases. Over EUR 50K — EGM, payment within 30 days of approval. Put-option (T&C §15.4) — contractual right on adverse events: control change, bankruptcy, liquidation, merger, business cessation.
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04 Inflation risk T&C §11.1.6 What can go wrong
The coupon is nominal-fixed. Real return depends on actual inflation over the 5-year term.
How it's contained
11–14% nominal vs typical inflation 2–4% — material real-rate buffer. Real-economy portfolio (manufacturing / energy / real estate / land) is naturally inflation-correlated on the asset side.
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05 Concentration risk T&C §11 What can go wrong
Single-issuer product. No diversification across issuers within Pocket Money itself.
How it's contained
Named upfront, not engineered away. Medium-risk classification (T&C §11) carrying every item in this inventory. Holder-side sizing: a portion of a diversified portfolio, not the whole.
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06 Tax risk T&C §11 What can go wrong
Tax regimes — SK WHT, residence-country tax, double-taxation-treaty mechanics — can change during the bond's 5-year life.
How it's contained
Per-residence tax tracking built into the calculator (SK / CZ / PL / UK / AT). SK 19% WHT for residents withheld at source; non-residents 0% SK WHT since April 2023 ITA reform, declared locally.
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07 Key-person concentration T&C §11 What can go wrong
Operational continuity depends materially on Ing. Radovan Lucina and the senior team. Honest concession: company continuity in current form is uncertain on incapacitation.
How it's contained
Two-question split. Company continuity ≠ bondholder repayment. Bondholder path on adverse event: orderly wind-down, capital + accrued interest paid earlier than maturity. Stack: wind-down processes, put-option, insider subordination, EUR 4M insurance.