MiFID licence · Bank of Lithuania · in preparation

A global index pension for Europe.Your pension compounds with the world economy.

A digital pension platform, 100% invested in globally diversified index funds (MSCI World, iShares by BlackRock). One flat 1% annual fee. Fully digital onboarding in minutes.

Join the waitlist See the fee, no fine print
The 1% question
Same market return for both. Change the inputs to see the cost gap.
*8% reflects the long-run historical return of global equities (MSCI World since 1970, in USD, before costs). Markets fall as well as rise: global equities lost around 40% in 2008. Past performance is not a reliable indicator of future results.
Optional: many actively managed funds have also trailed their own benchmark. Drag left to explore that (see the data). Defaults to no assumed underperformance.
MayX · ~1.2% all-in
€0
Industry avg · 2.00%
€0
€0
Illustrative only. Assumes a constant gross annual return, compounded monthly. MayX costs: 1.00% fee plus ~0.20% ETF cost. Industry average: 2.00% all-in. Not a forecast, guarantee or personal advice.
The problem

Europe's pensions cost too much and deliver too little.

€10 trillion of EU household savings sits idle in bank accounts, earning at most 1–2% a year.

%

Fees eat compounding

Actively managed pension products commonly charge 1.5–2.5% a year: a cost that can consume a large share of lifetime returns.

~

Underperformance is the norm

93% of active equity funds sold in Europe underperformed their benchmark over 10 years (S&P SPIVA Europe, year-end 2024).

€

Idle savings lose value

New term deposits paid 1.85% and overnight accounts 0.25% (ECB, December 2025): at or below inflation.

!

Too safe to grow

A culture of guarantees and ultra-conservative products keeps savers from sharing in the long-run growth of the world economy.

The product suite

Three plans. One index. One flat fee.

From birth to retirement: your wealth grows with the world economy. Same MSCI World index, same 1% flat fee, one EU MiFID licence (in preparation).

MayXPension
RETIREMENT · AGE 18+

Retirement savings invested in global growth, with an automated glide-path as retirement nears.

Direct · Employer plans · 20–40 year horizon

MayXJunior
CHILDREN · BIRTH TO 18

A head start from birth. A child investment plan for Europe: parents and grandparents contribute on the child's behalf.

€100/month from birth ≈ €41,300 at 18*

MayXUniversity
EDUCATION · 5–18 YEAR HORIZON

Fund your child's future. Education savings invested in the world economy, de-risking towards the start date.

€150/month for 15 years ≈ €45,900*

*Illustrative: monthly contributions, 8% index return minus ~1.2% costs (≈6.8% net a year). Not a forecast or guarantee. All plans are subject to MiFID authorisation by the Bank of Lithuania, expected Q4 2027.

MayX
The solution

Built for diversified growth: 100% index funds, no stock-picking.

No active bets. Just a transparent, automated plan built around your timeline.

IDX

100% indexed

Equity index ETFs (iShares Core MSCI World) while the goal is far away: broad, globally diversified growth.

>

Auto glide-path

As the goal approaches, money shifts gradually into bond index ETFs.

AI

Lean and digital

Efficient, AI-supported operations keep our costs, and your fee, low.

GO

Minutes to start

Fully digital sign-up, contributions and withdrawals: no paperwork, no branch visit.

MayX
Pricing

One flat fee. Nothing hidden.

No entry fees. No exit fees. No performance fees. One transparent rate on your assets, and the ETF cost shown openly.

1.00%
annual fee on assets under management
NO ENTRY FEES · NO EXIT FEES · NO PERFORMANCE FEES
MayX management fee
1.00%
ETF cost (iShares), shown openly
~0.20%
MayX all-in
~1.20%
Typical actively managed pension products
1.5% – 2.5%
MayX
How it works

You choose the goal. We take care of the rest.

1

Sign up

Minutes, with digital ID: no paperwork, no branch visit.

2

Choose your plan

MayX Pension, MayX Junior or MayX University, and your time horizon.

3

Auto-invest

Contributions flow into the MSCI World index: 1,300+ of the world's largest companies, via iShares.

4

Track and adjust

Watch it grow, adjust any time, full transparency on holdings and costs.

Regulation & trust

Built for a full EU licence, not a workaround.

MiFID licence in preparation

MayX UAB (in formation, Vilnius) is preparing an application to the Bank of Lithuania for a MiFID investment-firm licence. Investments are made in iShares UCITS ETFs.

One licence for Europe

Once licensed, MayX notifies its passport for all EU/EEA markets under MiFID II: no second licence per country. Marketing follows country by country.

Your money stays yours

Client assets are held separately from company assets, as MiFID investor-protection rules require.

Index, not opinion

No stock-picking and no market timing: a rules-based plan that owns the world market at low cost.

Tax incentives

A bonus on top, not the basis.

MayX's core product (high index returns at low cost) works in every EU market, with or without tax incentives. Where national incentives exist, MayX aims to add them market by market.

Up to €1,500/yr
Lithuania: tax deduction

Third-pillar pension contributions are deductible from Lithuanian income tax, up to €1,500 a year. MayX eligibility to be confirmed.

Reform 2027
Germany: after Riester

From 1 January 2027 Riester closes to new savers. A new state-subsidised pension account (up to €540 a year, no guarantee requirement, 1.0% cost cap) takes its place. MayX aims to qualify.

VAT: to be confirmed
Fee treatment

The VAT treatment of the management fee is being confirmed with counsel before pricing is final.

General information only, not tax advice. Tax treatment depends on individual circumstances and applicable law. All benefits subject to MiFID authorisation by the Bank of Lithuania, expected Q4 2027.

MayX
The team

Built by people who know pensions.

Marcel Mamie
Marcel Mamie
FOUNDER & CEO

Pensions 25 years · AXA / Winterthur Life, Latin America: 500 pension contracts, $100M premium.

Banking · Clariden Leu / Credit Suisse, Banca del Gottardo.

Venture capital 13 years · CEO Swiss Tech Capital AG: $40M raised, 2 funds.

EvM
Eberhard von Mecklenburg
CHAIRMAN, ADVISORY BOARD

Former Director Latin America, Zurich Insurance. EU and US network.

Now hiring  ·  COO (Vilnius)  ·  CTO  ·  Contact: mmamie@mayx.eu
COMING SOON
THE MAYX PODCAST

Pension Matters.
Ask the hard questions.

A Q&A podcast on pension planning, index investing and sharing in global economic growth, with Marcel Mamie, 25 years in the pension industry. Short, sharp, no academic fluff.

EPISODE 1
Why I built MayX, and why European savers deserve better.
Marcel Mamie · Founder & CEO
EPISODE 2
What Riester got wrong, and what Germany's savers do next.
Marcel Mamie · with Eberhard von Mecklenburg
EPISODE 3
Your pension, invested in the world: why one global index is enough.
Marcel Mamie · Founder & CEO
Be notified when we launch.
On Spotify, Apple Podcasts and here on mayx.eu
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