Investment services are provided by OP cooperative banks. OP mutual funds are managed by OP Fund Management Company Ltd. OP bonuses are not earned from the R2 Crystal Fund or institutional classes of funds such as OP-World III A.
OP Unit-linked insurance and OP Capital Redemption Contract are issued by OP Life Assurance Company Ltd, 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 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.