How to get started with investing your company's funds

1

Why is investing your company's funds the smart thing to do?

Investing increases your company's available funds and helps prepare for the changes, future capital expenditures or mergers and acquisitions over the long term. Investing also improves your company's financing options. 

2

Choose a solution that fits your business from our wide selection

We provide your business with a diverse selection of investment solutions. Through us, you can invest in various investment products, including equities, mutual funds, structured products, derivatives, bonds, money market products, and currency investments. 

3

Getting started with investing company funds

To use our saving and investment services, your company needs to sign an OP Savings and Investments Agreement. Contact your OP cooperative bank to sign the agreement. 

What do you need to get your company to start investing?

In order to buy shares in funds and other investment products, your company needs to sign an OP Savings and Investments Agreement.

1. Sign the OP Savings and Investments Agreement in your OP cooperative bank

The agreement is free of charge, and the simplest way to sign is by booking an appointment at your OP cooperative bank. We recommend getting the agreement in order even if investing is not relevant for your company at this point. When the necessary agreements are in order, you can start investing online quickly and easily at any time.

At the appointment, we draw up an investor profile for your company. The profile helps evaluate the company’s tolerance to risk and expected return on investments. You can also complete your investor profile before the appointment at op.fi.

2. Limited liability companies must provide board meeting minutes

If your company has not previously invested through OP, you will need to bring minutes of the board meeting with you in order to sign the agreement. The meeting minutes should state the board of directors’ authorisation to sign a Savings and Investments Agreement with the OP cooperative bank.

3. Meeting minutes are not required from one-person companies

Board meeting minutes are not required from one-person companies (private trader, limited or general partnership). Board meeting minutes are also not required from those corporate customers who are existing OP investor customers, whose investor profile is up-to-date and who have a valid custody agreement or whose investment manager is known to OP.

4. Listed securities, ETFs and bonds require an LEI code

If your company has plans to invest in book-entry securities, such as listed securities, exchange-traded funds and bonds, a custody and book-entry account will be opened for your company at the appointment with your OP cooperative bank. Before investing into book-entry securities, your company will also need an LEI code. You can order an LEI code on the Finnish Patent and Registration Office website.

Why is investing your company's funds the smart thing to do?

Investing increases your company’s available funds and helps prepare for changes, future capital expenditures or mergers and acquisitions over the long term. Investing will also secure the company’s future financing options as the investment instruments can be used to finance capital expenditures or as a surety for a loan.

Investing does not require a large initial capital – you can get started even with a small sum. For example, you can invest in funds with a regular sum of a few hundred euros every month. You can also change the invested sum according to your needs, and if a sudden need for expenditures arises, the fund units can be quickly redeemed to your company’s account.

If you are looking for a simple and profitable way to invest your capital and do not have the time to actively manage your company’s investments, funds are a great option for your company. They offer a readily a diversified investment vehicle, and your investments will be managed by a portfolio manager. See our list of funds here.

If you want to actively make decisions about your company’s investments, direct equity investment may be a more suitable option. Learn more about our equity investment solutions for businesses here.

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Investing accrued assets
Investing is a good idea if your company has accrued surplus funds. What type of solution would be most suitable for your company?