Online Equity Research service

Finland's largest and award-winning equity research team at your service

Equity research is included in the basic services of OP equity investors. The most comprehensive equity research in Finland analyses and gives target prices and recommendations for nearly 90 Finnish listed companies.

In Online Equity Research service:

  • You can sort and compare the analysed companies based on their recommendations or different key ratios.
  • You will receive comprehensive analyses covering the macro economy, different industries and individual companies as well as a daily morning report.
  • Once a month you will receive wider strategy comments on the markets and twice a year OP's investment strategy, which covers the whole market.
  • You will receive different kinds of lists to support your investment decisions: for example, the best buy and sell ideas and TOP 10 dividend companies.

The research and service in OP are provided by Finland's largest and award-winning team of analysts.

Owner-customer benefits

  • As an owner-customer you can sell, buy and trade nearly all our mutual funds (savers’ funds, socially responsible funds, and equity and bond funds) without fees.
  • As an owner-customer, you can also invest in funds by saving through insurance. OP Unit-linked Insurance and OP Savings Agreement are insurance savings products intended for owner-customers that offer an effortless and flexible means for long-term saving. Switching between investment instruments and transferring funds to insurance savings is free of charge.
  • Owner-customers have automatic access to the second fee level on the stock brokerage fee list, in which the brokerage fee is 0.17% (min. 7 euros), while the fee at the first fee level is 0.2% (min. 9 euros).

OP bonuses

In addition to OP bonuses earned through saving and investment, owner-customer earn bonuses from

  • loans
  • funds in accounts
  • purchases you have paid with the OP-Visa credit
  • insurance premiums for home, family and motor vehicle policies.

From 1 November 2020, OP bonuses will accrue from:

  • home loans, secured bank loans, student loans
  • savings and investment accounts
  • mutual fund units and unit-linked insurance
  • non-life insurance bills

The change on 1 November 2020 means that no OP bonuses will accrue from:

  • deposits in current accounts
  • unsecured consumer loans (Flexible Consumer Credit, Special Consumer Credit, One-off Credit and Overdraft Facility)
  • OP hire purchase
  • Purchases paid using OP Visa as a credit card, the balance of credit with interest of OP-Visa and OP-Mastercard cards

OP bonuses are used for the bank’s service charges and insurance premiums.

Share investment services are provided by the Group member bank.