Savings and investments


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How to start investing?

The easiest way to start investing is to invest regularly a certain amount in a mutual fund. We offer a wide range of funds, including equity funds, index funds and sustainable investment funds.

Investing in mutual funds

Mutual fund assets are invested in bond and equity markets. To find the investment options that suit you best, you can use our return calculator to compare the investment horizons and expected returns of various investment vehicles.

Investing in equities

Equities (also called shares or stocks) are a profitable investment in the long term. Equity investment is suited to investors seeking high returns who have the necessary knowledge, time and interest in managing their investments. The return consists of any increase in equity values and dividends paid. To start investing in equities, you need securities custody and a book-entry account, an eServices agreement and a bank account.

Investing through the investment savings account

Within the investment savings account, equity investors can buy and sell both Finnish and foreign listed equities and, for example, equities on First North without any direct tax implications. Read more about the investment savings account

Investing in properties and buy-to-let homes

If you want to diversify your investments into real estate assets, the easiest 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.

Investing in forests

A forest fund is an excellent alternative 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 growth of trees and the change in the value of the tree stand.

Long-term investing

Long-term investing works best if you use your investment returns over the years to buy more shares or fund units. In this way, you can avoid costs and taxes arising from the sale of your investments and benefit from the compound interest effect. 

Inexpensive investing for OP owner-customers

As our owner-customer, you can now buy, sell and switch almost all of our mutual funds with no charges. Trading in equities and other listed securities is also affordable for owner-customers on OP’s online self-service channels. Read more about value-for-money benefits for owner-customers.

Read more about our latest stock recommendations

Also read about the latest stock recommendations by OP Equity Research. The OP top picks list provides the best ideas for Finnish stocks worth buying or selling right now. On our equity investment pages, you will also find stock recommendations and target prices.