This presentation is marketing material. OP Asset Management Ltd (later “OP Asset Management”) is an investment management firm under OP Financial Group, the operations of which are supervised by the Finnish Financial Supervisory Authority. OP Asset Management provides institutional clients, other entities and wealthy individuals with asset and wealth management services. OP Fund Management Company Ltd also acts as the portfolio manager for OP funds and as the insurance agent for OP Life Assurance Company Ltd. OP’s mutual funds are managed by OP Fund Management Company Ltd. Unit-linked insurance policies are granted by OP Life Assurance Company Ltd, which also owns the investment baskets.

This content, produced by OP Asset Management, is considered general market information and marketing material that does not fulfil the conditions of independent investment research, nor is it subject to the restrictions concerning trading before the publication of investment research. OP Corporate Bank plc produces independent investment research at OP Financial Group.  The content is intended solely for private use by OP Asset Management customers. Making copies and further publication or distribution without the written permission of OP Asset Management is forbidden. 

The presentation is based on public sources and on information which OP Asset Management deems reliable. However, this does not exclude the possibility that the information may be incomplete or contain errors. Neither OP Asset Management nor its employees are responsible for the financial result of investment decisions based on information obtained from this presentation or website, or for any other loss that may arise from using information contained in this presentation.

This presentation does not constitute investment advice and is not intended as an offer to buy or trade any securities or as encouragement to buy or sell financial instruments of any kind. Investment decisions should not be based solely on the information in this presentation. The value of an individual financial instrument increases and decreases in accordance with developments in markets, and past performance should not be seen as an indication of future performance.