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OP-Focus B

Focus on Finland, reaching high
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A genuinely active portfolio characterised by the portfolio manager's view, OP-Focus is a non-UCITS fund primarily focusing on the Finnish market. It seeks to outperform its benchmark index in the long term by applying a bold view of the market. OP-Focus's key to success lies in OP Wealth Management's solid local expertise, whose decade-long track record distinguishes skill from luck.

  • The investments are focused on around 20 Finnish stocks which are believed to have the best return potential.
  • The fund's portfolio management is characterised by a bold view and strong local expertise.

 

 

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Online fees and charges
Subscription fee Annual management fee Redemption fee
0,75 % 1,80 % 0,75 %

Agreements under a systematic investment plan are not subject to subscription fees. A performance-based fee to be charged accounts annually for 25% of the return that outperforms the OMX Helsinki Cap Yield Index. Fund units generate OP bonuses.

More information on the fund

OP-Focus invests in the stocks of companies listed in Helsinki. Specialising in Finland, OP-Focus can rely on OP Wealth Management's extensive local expertise. When investing in OP-Focus, the investor can benefit from the portfolio manager’s professional competence, uncompromising risk management and monthly reporting – as well as enjoy the carelessness and tax benefits of fund investing. Active portfolio management does not refer to ensuring frequent buying and selling but, rather, applying a determined and bold view when taking investment decisions. Achieving the fund's target – to generate higher returns than the benchmark index – is not possible without taking steps deviating from the benchmark index. This is why a focused non-UCITS fund like OP-Focus requires a highly skilled portfolio manager with a deep insight into the target market. The strong performance of OP-Focus from over a decade is proof of high professional competence in its portfolio management.

OP-Focus is suitable for a return-seeking investor interested in the domestic equity market, who is not afraid of independent moves taken by the active portfolio management and who can tolerate volatility of the fund unit value. Finnish stocks often fluctuate significantly in value, and their performance may differ from the general movements of the global equity market. Consequently, OP-Focus is particularly suitable as a long-term investment. The fund is mainly recommended to an investor who intends to redeem his/her units after seven years at the earliest.

Portfolio manager's review
Read the portfolio manager's review on the fund's Finnish pages.
Investment policy

OP-Focus invests in the stocks of companies listed in Helsinki. While its emphasis is on large cap companies, the portfolio may also include liquid mid cap stocks. The fund focuses its investments on stocks of around 20 companies believed to have the best return potential at the moment. The investments of OP-Focus are mainly direct equity investments. A minimum of 75% and a maximum of 100% of the fund’s value is invested in equity markets. The equity weighting typically varies between 90 and 100%. The fund may also use derivative instruments to hedge against market changes, to replace direct investments and to otherwise promote efficient portfolio management.

As a non-UCITS fund, OP-Focus is not subject to as strict diversification requirements as a conventional mutual fund. The fund can only invest a maximum of 20% of its capital in a single company. At any given time, the fund can have a maximum of two investments with an over 10% weight of the portfolio. A maximum of a quarter of the fund’s value may be invested in the equity market of the rest of Europe. Besides making the right stock picks, a focused fund can vary its emphasis depending on the market outlook, for example by focusing on different industries or companies of varying sizes. In order to outperform its benchmark index, OMX Helsinki CAP Yield, the fund may take high active risk and the investment manager may depart significantly from the composition, weights and risk level of the benchmark index.

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Owner-customers’ saving and investing benefits

As our owner-customer, saving and investing is especially worthwhile thanks to the excellent benefits you receive.

Your benefits when investing in funds:

  • Buy and sell almost all OP mutual funds with no fees.*
  • You earn 0.35% OP bonuses from mutual fund and insurance assets.** 

Your benefits when investing through insurance: 

  • Begin saving through insurance free of charge. 
  • You will earn 0.35% of OP bonuses from funds linked to insurance assets.***
  • Switch between investments, invest additional funds and change your payment and investment plan for OP Unit-linked Insurance and OP Capital Redemption Contract free of charge in our digital services.  

**OP bonuses are used to pay the bank’s service charges and insurance premiums.

***You earn OP bonuses from unit-linked insurance policies, excluding individual unit-linked insurance policies and Individual Capital Redemption Contracts. The principles of contribution towards OP bonuses from funds linked to insurance assets will be harmonised with direct investments. As of 1 January 2025, the following funds linked to insurance assets will no longer contribute towards OP bonuses: third-party funds such as JP Morgan funds, structured loans and institutional class funds such as OP-World III A.

Your benefits in equity and ETF investing:

  • Open an equity savings account or book-entry account free of charge.
  • You get a discount on equity trading and a 1% fee ceiling when trading in Finnish listed companies through a book-entry account The discounts apply in digital services.
  • Get access to free stock picks and analysis.
  • Get a discount on the service packages for savers and investors:
    Equity savings account: 
    Saver: €0/month (normally €2.99/month)
    Investor: €9.99/month (normally €14.99/month)
    Book-entry account: 
    Saver: €0/month (normally €2.99/month)
    Investor: €0/month (normally €5.39/month)

Other benefits:

  • Only owner-customers can invest in Profit Shares.

Remember to make use of all benefits:

*Standard fees are charged for the following special common funds: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield, OP-Alternative Portfolio and OP-Private Equity.

This is an advertisement. The funds are managed by OP Fund Management Company Ltd. The portfolio manager is the portfolio management company specified in the fund prospectus for OP funds. Investments always involve risks. The value of investments can rise and fall, and the investor may lose part of or all the invested funds. Past performance is no guarantee of potential future yield. The larger the fund’s expenses, the greater the impact on the expected return on the investment. Any yield also depends on taxation, which in turn varies depending on the investor’s personal circumstances and is subject to future changes. If the fund is marketed outside Finland, OP Fund Management Company Ltd may decide to end such marketing. The information presented on this page does not fully describe all the fund’s characteristics.

Before making an investment decision, take all the characteristics or objectives of the fund into consideration, as described in the fund prospectus for OP funds and other documents related to the fund. Only make your final investment decision after reading the fund prospectus for OP funds and the key investor information document and rules of the fund. These documents can be found on the web page of the respective fund. The fund prospectus and the summary of investors’ rights in mutual funds are available at op.fi in Finnish, Swedish and English.