OP First Investment is both a gift and an opportunity to start learning and benefiting from saving and investment at an early age. Over time, systematic investment and growth in the capital invested could accumulate to create a significant financial basis for the child's future. By learning to save and invest systematically from an early age, the child will gain a level of financial literacy that will carry them through life.
We want to promote wealth building in Finland – from the moment a child takes their first steps.
How can I receive OP First Investment?
You can receive OP First Investment within 12 months of the child's birth. You can accept the gift through the op.fi service or by visiting an OP cooperative bank branch.
Accepting the gift requires the child to have a Current Account with OP and an OP Savings and Investments Agreement. Both of these are free of charge. The account and agreement can only be activated if the child has a Finnish personal identity code, registered name and a permanent address in Finland.
A Child’s Current Account can be opened via the op.fi service or at an OP cooperative bank branch.
Read more about receiving OP First Investment on behalf of your child
The gift and related investment services are provided by OP cooperative banks. This is an advertisement. OP-World Index fund invests its assets broadly in the international equity markets. The fund is open for subscriptions on a daily basis. Please note that investing always involves risks and expenses. The value of investments can rise and fall, and an investor can lose part or all of the invested money. OP does not guarantee a return on your investment, and past performance is no guarantee of future performance. In the example provided, the expected annual return has been set at 6% because, historically, the equity market has grown at an average annual rate of 6%. This material does not fully describe the characteristics of the fund. Before you make a final investment decision, read more in the fund’s Key Information Document, the fund prospectus and the summary of investors' rights in mutual funds. These are available in Finnish, Swedish and English at the subscription venues and via the op.fi service, and provide more details about the risks and costs and the fund's characteristics, among other information. The fund is managed by OP Fund Management Company Ltd.