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Investing and saving in mutual funds is easy. By investing and saving in mutual funds, you can achieve your goals.
Mutual funds form an easy and convenient way of saving and investing. You can find all our funds here. Learn more and start investing in a mutual fund.
Why to start saving – This is how you get started
Whether your goal is big or small, it always pays to save. You can get started even with a small amount of money – making the decision to start saving is the key.
Easy fund investing with Saver's funds
Mutual funds are a good savings vehicle. With the easy Saver’s funds, you can start investing with ease. Learn more about the funds and start investing already today!
Investing in index funds
Index funds are suited for almost everybody’s investment portfolio. With index funds, you can cost-effectively diversify in equity markets globally.
Emerging markets funds
Emerging markets funds offer high return potential on your investments. These funds invest their assets in strongly growing markets.
OP:n kiinteistörahasto on sinulle, joka
haluat sijoittaa suomalaisille tärkeisiin
Asuntorahasto on helppo tapa sijoittaa
asuntoihin, toimitiloihin ja niiden
Metsärahastot ovat helppo tapa
sijoittaa metsään. OP:n metsärahasto
on rahasto, jonne voit sijoittaa
pienemmänkin summan. Tutustu!
OP's fund publications
Fund publications provide additional information on funds and investing in funds. You can also find key financial reporting indicators and market information.
Responsible investment products
Products of socially responsible investing, or sustainable investing, provide investors with a way to have a social impact through their investment. Learn more about our products and choose the one that suits you best!
Investing monthly in a fund is an excellent way to build up savings.
Equity funds and investing in equity funds
Equity funds are good for long-term investing. Read more about OP’s extensive selection of equity funds and investing in equity funds.
Short-term fixed income funds
Short-term fixed income funds are a flexible and low-risk choice for short-term investment.
Saving through insurance
You can find in our savings products through insurance suitable savings solutions for your child or for your retirement age. Start saving through insurance!
Our unit-linked insurance contains an extensive and diverse range of instruments. Take a look at our range of vehicles under saving through insurance.
OP Unit-linked Insurance
OP Unit-linked Insurance is an endowment insurance which is an ideal long-term investment. Switching between investment vehicles within the insurance is easy and inexpensive.
Principle of equity and additional bonuses
Read how the law obliged a life insurance company to act with respect to the principle of equity and additional bonuses.
Get your saving-through-insurance mail in electronic format
Saving-through-insurance mail in electronic format.
Products under saving through insurance
Intended for long-term saving and investment, saving through insurance is an easy and flexible way to invest that conveniently adapts to different life situations.
What should I do as I approach retirement age? See our instructions and let us know whether you want to withdraw your pension insurance or defer the withdrawal.
Life Insurance Beneficiary
In this service, you can verify your identity for your insurance with OP Life Assurance Company.
Yksilölliset ja kattavat Private Banking -palvelut OP:lta. Tutustu Suomen kattavimpaan Private Banking -verkostoon.
Private in OP-mobile
You can manage your wealth anywhere, irrespective of time and place. OP Private services are available to you on OP-mobile too.
Asset management in the OP Private service
OP Private offers personalised wealth management for the best of you and your loved ones.
Services for Forest Owners
We can offer forest owners a diverse range of services, for example, for forest estate agency, forest financing, insuring forest estates and investing timber sale income.
Investing income from timber sales
Invest money from timber sales and make it grow. From OP, you can find an extensive range of investment vehicles for your income from timber sales.
OP Forest tells the value of your forest
Your forest prospers and grows, but how much is it worth? OP Forest service tells you the value of your forest, felling possibilities and the costs of forest management.
Best price for a forest estate
When an expert is there to help you, selling a forest estate is easy. An OP-Kiinteistökeskus expert can take charge of selling your forest for you.
Finance for forest estate purchase
Finance the purchase of a forest estate with a loan either in part or in full. The forest estate is also eligible as collateral for your loan. We will customise the loan to your needs.
Legal services for forest owners
Owning a forest involves a lot of legal matters which the forest owner should know. Contact our Legal Services.
Insure your forest the right way
Insuring a forest is vital because forest insurance provides cover in most incidents. Learn more and buy forest policy here!
Timber sales financing
Would you like to receive your timber sale proceeds into your account quickly? Together with UPM we can offer payment of such proceeds into your account within a few days.
OP Private for forest owners
As forest owner, you receive personalised wealth management from OP Private. You own asset manager is also your forest expert who knows the needs of a forest owner.
OP Forest Appraisal
Stocks and investing in stocks
Equities generate the best returns in the long term. We provide equity investors with the best service, products and tools for equity investments.
Book-entry account and investment service package
Open a book-entry account and investment service package now and start investing with OP. As our owner-customer, you can earn value-for-money OP bonuses on your investments.
Equity trading on OP-mobile
You investments, real-time market information and trading are always available to you on OP-mobile. Use with your mobile or tablet.
Smart Order Routing
You can easily buy and sell stocks through our electronic equity service. It is possible for you to get the best price and liquidity for your equity trades.
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.
Warrantit ovat pankkiiriliikkeen tai investointipankin liikkeeseenlaskemia arvopaperistettuja johdannaisia, joilla käydään osakkeiden tavoin kauppaa pörssissä. Osta warrantit OP:sta.
Benefits for members of the Finnish Shareholders Association
Osakesäästäjien jäsenenä saat merkittäviä etuja sijoittamiseen.
Investment savings account
Through an equity savings account, you can easily invest in stocks, with no direct tax implications. Open an equity savings account now with no charge.
ETF investing is increasingly popular. Take a look at OP’s ETFs and start ETF investing now.
Charges and fees
Share issues and other capital market transactions
Equity savings account or book-entry account?
Which account should be chosen for investment: an equity savings account or book-entry account? Both could be the answer.
View dividend information, such as dividend calendar, dividends and dividend income and buy and sell shares.
Bonds (available in Finnish and Swedish)
There is a little something for everyone in our structured product family. Through structured products, you can invest in various underlying assets and reference companies in a versatile way.
A savings solution with reasonable yield.
Return from investments with a limited risk. The investment bond is a safer option than, for example, equity investment.
Corporate fixed income bonds
Corporate fixed income securities constitute savings and investment solution in case you want to accept more risk than by investing in bonds. Learn more about the product.
Bid and ask prices
Follow the bid and ask prices of OP’s structured products.
Prospectus and bond terms
Bond terms and other appendices can be found here.
Notifications related to structured bonds
We notify of any changes in structured bonds on this page. Read more!
OP updates and supplements its bond programme every now and then. Here you can find information on the right to cancel related subscriptions.
SijoitusPlus is a good solution for you if you want slightly higher returns and can take a limited amount of risk.
Filing a complaint or an appeal in banking, wealth management services and real estate agency services
Please contact first your own OP cooperative bank or another OP's service provider that served you. If no settlement can be reached, you can contact a customer ombudsman.
Information for Investors news-sheets
The Information for Investors news-sheets contain information that must by law be communicated to clients before providing investment services.
Best Execution at OP Financial Group
Best Execution Policy
Effect of costs on investment return document
OP acting as a Systematic Internaliser
Report on returns and costs of investment products and services
OP Corporate Bank Plc policy for foreign exchange trading and the execution of foreign exchange orders
This page describes the policies that OP Corporate Bank Plc undertakes to follow in foreign exchange trading and the execution of foreign exchange orders. The policies are based on the global principles of good practice in foreign exchange trading, the FX Global Code.
Vaihtuvien korkojen määritelmät Johdannaisyleissopimukseen
Owner-customer benefits from saving and investment
As our owner-customer, you are entitled to value-for-money benefits from saving and investment.
Young person investing
Did you know that young people aged between 15 and 17 can save and invest independently on OP-mobile? The sooner you begin, the more you benefit. Start today!
Säästöt ja sijoitukset, sivukartta.
You can choose a savings account for a short or longer term from among our range of accounts. The most important thing in saving is to start it. Take a look at our account.
Growth Return Account
Your extra funds are safe in the Growth Return Account.
Fixed-term High-yield Account
A stable, easy and risk-free deposit option.
Group Interest Account
A collective account where you can contribute to returns.
See real-time prices and news and keep up with what’s happening in the market. This is how you know what is going on in equity markets. Enable the service!
Online Equity Research service
With no extra charge, you get equity analyses covering over 70 Finnish companies and 100 foreign companies. Read more!
The savings calculator is a savings return calculator that helps you assess the best investment vehicle for your savings. How much could you put aside money per month? How much return are you seeking? Discover what options savers like you favour.
The fund calculator is part of the savings calculator on the op.fi service. You can use the calculator to easily calculate expected return on investments.
The savings calculator helps you compare how much you could save through investing.
Fixed-income and FX research
Analyses of the economic and market outlook from the point of view of interest rates, currencies and corporate bonds.
Your investor profile helps you to understand the level of return you expect to earn on your funds and how much risk you are prepared to take. It reveals the kind of saver or investor you are.