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?

Thinking about starting investing? The easiest way to start investing is to invest monthly in mutual funds. You can get started with €10 per month, but a larger amount will build up your savings even faster. You can change the amount every month to suit your current needs. If monthly investment isn’t possible for you, you can get started by making a one-off investment in a fund.

We offer a range of more than 60 funds, including equity funds, index funds and responsible investment funds. Mutual funds invest their assets in bond and stock markets. Choose the funds that suit your needs by comparing the expected returns and investment horizons of different funds with the savings calculator. Learn the basics of investing and seek returns from funds, whether you’re an experienced investor or just getting started.

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.