OP First Investment

In 2026 as well, every newborn baby will receive an investment from us, worth €100, in the OP-World Index fund.

What's new

Merry Christmas, new investor!

OP First Investment continues – also in 2026, every newborn baby will receive a €100 investment in a fund from us. You can accept the Investment in the op.fi service or by visiting an OP cooperative bank branch. Make sure that the child has an OP Current Account before receiving the investment.

Open a Child's Current Account

In addition to a Current Account, the child must have a personal identity code and name registered with the Digital and Population Data Services Agency, and a permanent address in Finland to receive OP First Investment.

We promote wealth building in Finland – from the moment a child takes its first steps

OP First Investment is a concrete step towards long-term investment. Accept the investment for your child and begin monthly investment in a fund – over time, a small sum can grow into a large amount.

It makes sense to start early

When a child learns about investing and spending from an early age, they gain a solid foundation for a financially secure future. Financial literacy supports the wellbeing of individuals and society as a whole.

Accept the investment for your child easily

You can accept the investment in the op.fi service or at an OP cooperative bank branch. Before accepting the investment, make sure that the child has a personal identity code, registered name, a permanent address in Finland and an OP Current Account.

Accept OP First Investment

An investment that could grow with your child

OP Pohjola member cooperative banks are giving OP First Investment – a €100 investment in the OP-World Index fund – also in 2026 to every newborn baby in Finland.

This one-off investment of €100 could grow over the years. Based on an expected return of 6%, the sum would increase to €285 in 18 years.

If you start investing through the fund at the same time with a sum such as €40 a month, the investment could grow to €15,598 by the time the child is 18. You can start investing monthly with just €10 a month. By investing even a small amount regularly, you can accumulate thousands of euros for the child.

Initial investment: 100 € Monthly investment: 40 € Expected return: 6 % Investment period: 18 years Amount saved: 8 740 € Income: 6 858 € Total: 15 598 €

How can I accept OP First Investment?

OP First Investment is offered to all babies born in 2025 and 2026. You can accept the investment within 12 months of the child's birth. You can accept OP First Investment via the op.fi service or by visiting an OP cooperative bank branch. If you accept the investment digitally in the op.fi service, processing the investment may take a few weeks.

Accepting OP First Investment on behalf of a minor

Accepting the investment requires that the child has a Current Account with OP and an OP Savings and Investments Agreement. Both of these are free of charge. The account and agreement can only be activated if the child has a Finnish personal identity code, registered name and a permanent address in Finland.

Parents can accept the investment at any OP cooperative bank branch, even if they are not customers of OP. If the investment is accepted digitally in the op.fi service, at least one guardian must have an OP user ID, and the other guardian or guardians must have banking IDs from OP or another Finnish bank.

A Current Account can be opened for a child in the op.fi service or at an OP cooperative bank branch.

Open a current account for a child

OP-World Index fund

OP-World Index fund offers a cost-efficient way of diversifying investments across global stock markets. Thanks to its low fees, OP-World Index fund is an excellent choice for long-term investment on behalf of a child. It is also a responsible index fund that promotes investments with sustainable environmental and social characteristics.

You can also start monthly investing in OP-World Index fund. Monthly investment is an easy way to start investing for a child.

Read more about OP-World Index fund

Saving and investing for a child

On average, parents save and invest 40 euros per month for their children. By starting early, you could build up thousands of euros by the time your child reaches adulthood. By saving even small sums, you give your child a valuable springboard to achieving their dreams and financial security.

Fund investing for a child

You can easily seek a return on your child's savings by investing in funds.

Saving on behalf of a child

Secure your child’s future by saving.

This is an advertisement. OP First Investment and related investment services are provided by OP cooperative banks. The fund is managed by OP Fund Management Company Ltd. OP-World Index fund invests its assets broadly in international equity markets. The portfolio manager of OP's 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 an investor can lose part or all of the invested money. In the example provided, the expected annual return has been set at 6% because, historically, the equity market has grown at an average annual rate of 6%. 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 funds and other documents related to the fund. Before you make any final investment decision, look through the fund's Key Information Document, the fund prospectus and fund rules. The main risks associated with funds can be found in the Key Information Document, and a more detailed list of risks in the fund prospectus.

The Key Information Documents and fund rules are available from the Asset Manager and website here

The fund prospectus and a summary of investors' rights in funds are available on OP's website here

The above documents are available in Finnish, Swedish and English.