OP-Target 4 Fund

The OP-Target 4 fund provides access to international stock and bond markets for investors seeking favourable returns. The fund emphasises stock investments, which raises return expectations but also means that the value of fund units can fluctuate considerably. You can start investing with as little as ten euros a month. Fund units are purchased in the OP-mobile app using the digital investment advisor OP Investment Partner.

The fund is actively managed by OP Asset Management's experienced and well-resourced portfolio management team. The fund follows an investment strategy where stock investments are diversified into slightly lower-risk targets than usual. This allows the stock portion of the fund to be kept higher, enabling an attractive ratio of risks and potential returns.

The fund adheres to the principles of responsible investing. Companies selected for the fund take environmental, social responsibility, and good governance risks and opportunities into account better than their peers. The fund excludes industries deemed harmful and controversial, such as alcohol, tobacco, gambling, weapons, and nuclear power. Companies involved in child labor or corruption are also excluded from investments.

Why invest in the OP-Target 4 fund

The fund offers favourable return expectations to investors willing to tolerate typical stock market risks
The investment strategy used allows for a favourable balance of risks and potential returns
Industries deemed harmful to the environment or society are excluded from the fund

OP-Target 4

morningstar™

Additional information on the funds in OP Investment Partner:

OP-Target 2 fund

Responsible investment worldwide.

OP Investment Partner

An OP-mobile service that helps you to invest and gives investment advice just for your needs.

OP-Target 3 fund

Responsible investment worldwide.

All funds

Look through our extensive range of mutual funds and select the fund that best suits your investment target.

Portfolio manager's review

The portfolio manager's review is available on the fund's Finnish pages.

More details Basic data, performance and fact figures

Basic data

Fund manager: OP Varainhoito Oy
Benchmark index: MSCI World Net Total Return Index
Start date: 25.05.2020
ISIN: FI4000410956
fund serie: Accumulation unit
Fund size: 34 Meur
Serie value (03.12.): 183,69 EUR
Monthly review: Download
Key Information Document: Download
Rules: Download
Sustainability data: Download
Prospectus: Download

Accumulated profit (03.12)

	1mth	3mth	6mth	1 y	3 y p.a.	5 y p.a.
OP-Target 4 A	−0,37 %	+2,87 %	+6,03 %	+0,83 %	+9,05 %	+10,98 %
Benchmark	−0,90 %	+6,18 %	+11,04 %	+5,06 %	+14,78 %	+13,53 %

Yearly performance

	2020	2021	2022	2023	2024	YTD
OP-Target 4 A	+10,99 %	+33,58 %	−10,17 %	+12,49 %	+18,97 %	+3,06 %
Benchmark	+15,99 %	+31,07 %	−12,78 %	+19,60 %	+26,60 %	+6,78 %

Key figures

	Volatility 12 m	vola 12m	Sharpe 12 m	Duration
OP-Target 4 A	13,02 %	-	-
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 Pohjola'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 Pohola'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 Pohjola funds and other documents related to the mutual fund. Only make your investment decision after reading the mutual fund's Key Information Document, the funds prospectus, and the rules of the fund. These are available from your asset manager or at op.fi/all-funds. The main risks associated with mutual funds can be found in the Key Information Document, and a more detailed list of risks is presented in the funds prospectus. A summary of investors' rights can be found at op.fi/ops-fund-publications. These documents 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.

This material is a translation. If there are any discrepancies between the translation and the original Finnish material, the Finnish material shall prevail.