Savings bond – a savings solution with a reasonable yield

The capital-protected savings bond is a product for savers and investors who do not want to risk the initial capital of the investment.

The savings bond is suitable to all savers and investors. The capital-protected bond is a safer option than, for example, equity investment. Its expected yield is higher than that of a conventional bond.

Capital protection means that you as investor will get the full initial capital back on the maturity date. Capital protection does not cover any potential premium or subscription fee.

The investment themes around savings bond vary, so you will enjoy good diversification for your investment.

The bond yield is tied to the performance of the underlying asset during the term to maturity. The underlying assets may include equities, currencies or commodities.

Savings bond as investment

  • Reasonable yield as an objective
  • Investment horizon is over 5 years
  • Subscription fee is about 2%


Savings bonds is suitable as a longer-term investment vehicle because the term to maturity is usually over 5 years. In normal market conditions, you can sell your investment during the term to maturity. Then please contact your own OP cooperative bank.

The (structured) bond product is issued by OP Corporate Bank plc. Group member banks, in addition to the OP Corporate Bank, can act as subscription agents.