OP-Moderate Fund

The OP-Moderate fund is a fitting choice for investors who seek reasonable returns with moderate risk. The fund invests globally in both stocks and fixed income products, giving your portfolio a balanced mix of growth potential and risk mitigation.

Your investments are managed by OP Asset Management's experienced portfolio management team that actively responds to market opportunities. In its default allocation, about half of the fund's assets are invested in stocks and the other half in fixed income products, but portfolio managers may adjust the allocation depending on market conditions. The fund offers its unitholders broad diversification, as it includes a variety of investments from large publicly traded companies to government bonds.

Sustainability guides the fund's investment decisions. Because of this, companies categorized as harmful to the environment or society are excluded from investments. These can include producers of thermal coal and manufacturers of controversial weapons, among others. We also regularly screen the fund's investments to ensure compliance with international norms related to anti-corruption and taxation, for example.

Why invest in the OP-Moderate fund

A fitting choice for an investor seeking reasonable returns and willing to take on moderate risk
A globally diversified and professionally managed portfolio where stocks and fixed income products balance each other
Sustainability factors guide the fund’s investment decisions

Information about the fund

The performance is presented for the unit class A of the fund and is based on data from OP Fund Management Company Ltd. Recurring expenses have been deducted from the return presented. Potential subscription and redemption fees have been excluded from the calculations. Please note that past performance does not predict future returns.

OP-Moderate

morningstar™

Accessibility of the service

The use of this service on OP’s digital services is accessible.

Basic data

Fund manager: Ville Pekkala
Benchmark index: Composite benchmark, see the fund Prospectus for details.
Start date: 08.03.2012
ISIN: FI4000036108
fund serie: Accumulation unit
Fund size: 2683 Meur
Serie value (13.11.): 173,76 EUR
Monthly review: Download
Key Information Document: Download
Rules: Download
Sustainability data: Download
Prospectus: Download

Accumulated profit (13.11)

	1mth	3mth	6mth	1 y	3 y p.a.	5 y p.a.
OP-Moderate A	+1,10 %	+3,31 %	+6,12 %	+4,22 %	+7,38 %	+4,55 %
Benchmark	+0,91 %	+3,41 %	+6,44 %	+6,53 %	+9,81 %	+6,20 %

Yearly performance

	2020	2021	2022	2023	2024	YTD
OP-Moderate A	+3,27 %	+10,85 %	−12,84 %	+9,60 %	+10,97 %	+4,20 %
Benchmark	+6,85 %	+12,05 %	−12,92 %	+13,18 %	+13,09 %	+5,84 %

Key figures

	Volatility 12 m	vola 12m	Sharpe 12 m	Duration
OP-Moderate A	7,36 %	-	-
Benchmark index	-	-	-

This is a marketing communication. OP Fund Management Company Ltd and OP Asset Management Ltd have prepared this material as background information. The information presented in the material is based on sources that the authors consider reliable. However, the authors cannot guarantee that the provided information or opinions are correct or complete. This material is not intended to provide, and cannot be regarded as, a comprehensive and complete description of the product and the risks involved. Although the material has been prepared with care, and the aim has been to ensure that all the presented information is accurate, the authors and their employees assume no responsibility for the content of the material, and no decisions or agreements should be made based on it.

This material does not include a binding offer or proposal to buy or subscribe for a fund unit, nor does the material or its content form a basis for any agreement or commitments.

OP’s mutual funds are managed by OP Fund Management Company Ltd, which is a fund management company and alternative investment fund manager licensed by the Finnish Financial Supervisory Authority. The portfolio manager of OP’s mutual funds 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 does not predict future returns. The potential future performance is subject to taxation which depends on the personal situation of each investor and which may change in the future. If the mutual fund is marketed outside Finland, OP Fund Management Company Ltd may decide to end such marketing. 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 mutual fund. Please refer to the fund’s Key Information Document, the fund prospectus and rules before making any final investment decision. The main risks associated with mutual funds can be found in the Key Information Document, and a more detailed list of risks in the fund prospectus. The Key Information Documents and rules for mutual funds are available from the Asset Manager and website. The fund prospectus and the summary of investors' rights in mutual funds are available on OP's website. The above materials are available in Finnish, Swedish and English. Copying, publishing or distributing this material to a third party in full or in part is not permitted without written permission from OP. By accepting this material, you agree to follow the instructions and restrictions above.

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