How do I start investing in mutual funds?
Thinking about starting investing? The easiest way to start investing is to invest monthly in mutual funds. You can get started with €10 per month, but a larger amount will build up your savings even faster. You can change the amount every month to suit your current needs. If monthly investment isn’t possible for you, you can get started by making a one-off investment in a fund.
We offer a range of more than 60 funds, including equity funds, index funds and responsible investment funds. Mutual funds invest their assets in bond and stock markets. Choose the funds that suit your needs by comparing the expected returns and investment horizons of different funds with the savings calculator. Learn the basics of investing and seek returns from funds, whether you’re an experienced investor or just getting started.
How do I start investing in stocks?
History shows that investing in stocks generates the highest returns in the long term. Return consists of a rise in the value of the shares and the dividends you receive. Investing in stocks is suitable for investors seeking large returns, and who can tolerate market fluctuations. To get started, you need an equity savings account or a book-entry account, securities custody, an eService Agreement and a bank account. Thanks to inexpensive brokerage fees, €100 will get you started.
Our owner-customers always invest at a low cost
As an OP cooperative bank owner-customer, you can buy and sell almost all mutual funds for no charge. Funds also earn you OP bonuses at a rate of 0.25 % each year. Opening a book-entry account and equity savings account is free of charge, and trading with shares or other exchange traded products is always inexpensive at OP-mobile or op.fi. In addition, you pay at most a 1% trading fee on stock trading on the Helsinki and Stockholm stock exchanges, as well as on ETF trading on the Helsinki and Stockholm stock exchanges and on Deutsche Börse. This benefit applies to the book-entry account.
Diversify your investments into residential property, real estate and forest
If you want to diversify your investments into real estate assets, an easy way to do it – even on smaller invested amounts – is through mutual funds. Residential property fund and real estate fund returns consist of rental income and an increase in the market value of investments.
A forest fund is an excellent way to diversify assets outside conventional stock and fixed-income investments. You can invest in a forest fund even with a small amount. The return comes from the growth of trees and the change in the value of the tree stand.
Benefit from the compound interest effect by investing on a long-term basis
As a saver and investor, you should maintain your investments for as long as you can – for multiple decades, for example. This allows you to enjoy the full benefits of the compound interest effect and avoid needless costs and taxes. Long-term investing works best if you use your investment returns over the years to buy more shares or funds. Selling your investments at the wrong time may reduce their returns.