How to start investing in mutual funds

The sooner you start, the more time you have to benefit

By investing in a fund, you can ensure that your investments are diversified.

Investing in funds is a great way of diversifying your assets in terms of locations and sectors. Through monthly investment, you can ensure diversification across time. You can choose from more than 60 funds.


Investing is the smart thing to do, particularly for owner-customers.

As an owner-customer, you always invest at a lower cost since you can buy and sell almost all funds without fees and earn OP bonuses on 0.35% of the value of your mutual fund holdings.

Starting and stopping investing in mutual funds is easy

In investing, the most important thing is starting: the sooner you start, the more time you have to benefit. You can easily start investing on OP-mobile or the service by making a one-off investment or through monthly investment. You can change your monthly investment amount, put your investing on hold, switch to another fund or sell your fund units. If you decide to sell, the money will be transferred to your account within 1–2 banking days.

What sum should I invest?

A good rule of thumb is to invest 10% of your net earnings every month. Our funds have no minimum subscription amount, so you can start mutual fund investing, say, at ten euros a month. If monthly investing is not an option for you, you can also make one-off investments.

See how your investments can grow – try out the savings calculator

Risk and return go hand in hand

In saving and investing, risk and return always go hand in hand. The more returns you want, the more risk you’ll have to take. You can reduce risk by diversifying your investments, for example, across several mutual funds. Before you start investing, you should set aside a buffer for any unexpected expenses.

How long can you keep your money in mutual funds? 

Patience pays off in mutual fund investing. Let your investments work for you: the longer you keep your money in mutual funds, the more you benefit from the compound interest effect. This means that market fluctuations affect your investments less. Withdraw money only when you really need it.

  • If your investment horizon is short, choose a low-risk fund.
  • If your investment horizon is long, you can choose a fund with a higher risk level.

Why does diversification pay off? 

Diversifying investments is a way to reduce risk without a lower expected return. It pays off to diversify your investments in terms of, for example, time, quality and geography. Through diversification, you ensure that not all your eggs are in one basket. How to ensure diversification:

  • Time diversification is easy to do through monthly investment.
  • Qualitative diversification means choosing funds from different sectors.
  • Geographical diversification means choosing funds that invest in different countries.

OP mutual funds are managed by OP Fund Management Company Ltd. 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. No OP bonuses will accrue from the R2 Crystal fund or institutional classes of funds.