Advertisement. Investment services are provided by OP cooperative banks. Investments always involve risks. The value of investments can rise and fall, and an investor may lose part or all of the money invested. Past performance does not predict future returns. OP funds are managed by OP Fund Management Company Ltd. Before you make a final investment decision, read more in the fund’s Key Information Document, the fund prospectus and the summary of investors' rights in mutual funds. These are available in Finnish, Swedish and English at the subscription venues and via the op.fi service, and provide more details about the risks and costs and the fund's characteristics, among other information. OP Unit-linked Insurance and OP Capital Redemption Contract are issued by OP Life Assurance Company, with OP cooperative bank acting as its agent. 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. The following funds linked to insurance assets do not bring OP bonuses: third-party funds such as JP Morgan funds, structured bonds/notes and institutional class funds.