Savings and investments

You can start saving and investing any time. The sooner you start, the more time you have to benefit from the compound interest effect. Learn how to get started and start today.


How to start investing in mutual funds
New price benefit
How to start investing in stocks
Starting to invest in stocks pays off as they are the most profitable investment option in the long term. Read these pointers before starting to invest in stocks.

How do I start investing in mutual funds?

How to start investing? The easiest way to start investing is to invest monthly in mutual funds. You can start with 10 euros a month but a larger amount enables you to increase your savings more quickly. You can flexibly change the monthly amount depending on your situation, say, on a monthly basis. If you are unable to save every month, you can also make a one-off investment in the fund.

You can also invest in mutual funds via saving through insurance. This option enables you to choose several investments products, such as mutual funds, investment baskets, under one insurance contract. You can change investment products free of charge within the insurance policy and without any tax consequences. You can get started with, say, one hundred euros a month. You can invest either on a monthly basis or make one-off investments every now and then.

There are over 60 various funds available among which equity funds, index funds and responsible investment funds can be found. Mutual funds invest their assets in fixed income and stock markets. Compare the funds using the compound interest calculator that helps you to assess the expected returns and investment horizons of different funds. Whether you are an experienced or fledgling investor, grasp the basics of investment and seek returns from our diverse range of mutual funds.

How do I start investing in stocks?

History shows that investing in stocks generates the highest returns in the long term. Return consists of a rise in the value of the shares and the dividends you receive. Investing in stocks is suitable for investors seeking large returns, and who can tolerate market fluctuations. To get started, you need an equity savings account or a book-entry account, securities custody, an eService Agreement and a bank account. Thanks to inexpensive brokerage fees, €100 will get you started.

Our owner-customers always invest at a low cost

As an OP cooperative bank owner-customer, you can buy and sell almost all mutual funds for no charge. Funds also earn you OP bonuses at a rate of 0.35 %. 

Opening a book-entry account and equity savings account is free of charge, and trading in shares or other exchange traded products is always inexpensive. Your maximum trading fee for Finnish equities via the book-entry account is 1%.

Diversify your investments into residential property, real estate and forest

If you want to diversify your investments into real estate assets, an easy way to do it – even on smaller invested amounts – is through mutual funds. Residential property fund and real estate fund returns consist of rental income and an increase in the market value of investments.

A forest fund is an excellent way to diversify assets outside conventional stock and fixed-income investments. You can invest in a forest fund even with a small amount. The return comes from the growth of trees and the change in the value of the tree stand.

Learn more about mutual funds that invest in residential property, real estate and forests

Benefit from the compound interest effect by investing on a long-term basis

As a saver and investor, you should maintain your investments for as long as you can – for multiple decades, for example. This allows you to enjoy the full benefits of the compound interest effect and avoid needless costs and taxes. Long-term investing works best if you use your investment returns over the years to buy more shares or funds. Selling your investments at the wrong time may reduce their returns.

Investment always involves a risk. The value of investments can rise and fall, an investor can lose part or all of the money they invest, or may never receive the expected return. OP funds are managed by OP Fund Management Company Ltd. Investment services are provided by OP cooperative bank.