Monthly investment

The sooner you start, the more you’ll benefit later.

The most important thing is to start

The earlier you start, the more returns your investments can yield. You can get started with just 10 euros a month, but a larger sum will build up your wealth faster. If you have the opportunity to invest and are seeking returns on your money, why not start monthly investing in a fund?

By investing monthly regularly, you can ensure that your investments are diversified across time

When prices are down, you get more mutual fund units with your investment sum and less when prices are up. In this way, purchases are timed with low and high prices, allowing you to make purchases at the right price on average. The fund will also diversify small sums into various investments.

Monthly investing will allow you to make use of the compound interest effect

Did you know that you will get a return not only on your investment but on the return that has accrued? Let your investments work for you. Withdraw money only when you really need it. In this way, compound interest works effectively for you.

Start monthly investment

Tips for starting monthly investment

Decide to start saving. By starting regular investing, you don’t have to worry whether now is the right time to invest in the market.
Investing in a fund on a monthly basis is an excellent way to start investing. It only takes a moment to get started and is as easy as making an e-invoice.
Remember to diversify. We recommend selecting a few mutual funds to invest in on a monthly basis. In some cases, one fund can be enough if it’s diversified geographically or by industry, for example.
Select funds that suit your savings targets. We offer a range of more than 60 funds, including equity funds, index funds and responsible investment funds.
Select a monthly investment amount that suits your pocket. The ideal investment amount can be 10 per cent of the net profit, but you can get started just by investing ten euros a month. You can adjust the monthly amount at any time or stop investing for a while.
It’s also advisable to start investing for a child early on. The longer the investment horizon, the higher the risk you can take, and the better returns you can seek.

Try out the compound interest calculator

Use the compound interest calculator to see which fund is best for your monthly investments.

How can I change my monthly investment?

To make changes, log into OP-mobile or the op.fi service. On OP-mobile, go to the investment section and select Monthly investment. On the op.fi service, select Investing and then Fund holdings and monthly investment. Select monthly investment and you'll see all funds in which you invest regularly. Select a fund to which you want to make changes. You can change the investment amount, the frequency of charging and the debit account. If you like, you can take a break from investing or end it altogether.

Which fund is best for me?

When choosing a fund in which to invest, think of what kind of saver or investor you are, and what your investment target is. How long would you like to invest for? What is your return target? What is your risk tolerance? Many people start with easy Saver’s funds where your assets are managed by investment professionals. We also offer a range of other funds, including responsible investment funds, equity funds and index funds.

You’ll find the best funds considering your situation and targets by using our compound interest calculator and comparing investments by investment period and expected return.

Monthly investment for a child

Investing for a child on a monthly basis is the most popular way to build up savings for the future.

Benefits for investors

Read more about our benefits for saving and investment. As an OP customer you get permanently low prices.

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.

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