OP-Conservative
Aiming for a reasonable yield at a reasonable riskA fund suitable for beginning investors
OP-Conservative is a good fund for cautious investors and an ideal choice as your first fund, for example.
Avoid large value fluctuations
The fund mainly invests in the fixed income market, keeping value fluctuations more moderate.
Take advantage of owner-customer benefits
As an OP cooperative bank owner-customer you can buy and sell fund units free of charge, and your fund units earn you OP bonuses annually. The other fund costs are described in the Key Information Document.
Investing in mutual funds can be carefree
The fund’s underlying investments are carefully selected, the goal being to hedge against market fluctuations. OP-Conservative is a balanced fund that invests mainly in international fixed income markets but also in equity markets. As a rule, the more fixed income investments there are in a fund, the steadier its performance. Changes in equity and fixed income markets affect the fund's value performance. Most fund investments are made through other mutual funds. The fund's investments are widely diversified across developed and emerging markets.
A fund for conservative investors
OP-Conservative is suitable for investors who seek a reasonable yield at a low risk. The fund’s investors can trust that professionals actively monitor market trends and take any required measures. This allows the investors to confidently focus on other matters.
You can make a one-off investment in the fund or choose a monthly investment plan from 10 euros per month. This fund is not recommended for investors who intend to redeem their units during the first two years. It is suitable for investors who are planning a holiday trip or buying new furniture, for example.
The fund's other unit classes
This is an advertisement. Remember that investment always involves risks. The value of investments can rise and fall, and an investor can lose part or all of the money they invest. OP funds are managed by OP Fund Management Company Ltd, with OP cooperative bank acting as its agent. Normal transaction costs are charged for the following special common funds: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield, OP-Alternative Portfolio and OP-Private Equity special common funds.