Online fees and charges
| Subscription fee | Annual management fee | Redemption fee |
|---|---|---|
| 0 % | 1,25 % | 0,50 % |
No subscription fee will be charged for fund subscriptions. The fund units generate OP bonuses for private customers who are our owner-customers.
OP-Moderate
A fund with better return potential without any major risks
1
Investing in mutual funds pays off
OP-Moderate offers a convenient solution for an investor who is interested in returns but not in following the stock market closely.
2
Well-balanced fund
A balanced asset mix with stocks increasing the growth potential and fixed-income instruments offering protection.
3
Owner-customer benefits
Owner-customers buy, sell and switch most funds with no separate charges.
Investing is easy – our portfolio manager does it for you
OP-Moderate is one of the three fund alternatives OP suggests for passive investors. As typical for balanced funds, OP-Moderate comprises both stocks generating returns during an upswing and fixed-income investments providing protection during a downswing. A portfolio management professional changes the fund's equity weighting for the fund investor. The investments are diversified broadly geographically as well as across advanced and emerging markets.
OP-Moderate offers the benefits of wide diversification also for a retail investor.
A fund for those who seek a moderate return
OP-Moderate suits investors seeking reasonable capital appreciation who can tolerate a slightly higher risk level in exchange for higher returns. In the case of OP-Moderate, the risk level is between those of fixed-income investments and equity investments. OP-Moderate is best suited to a passive investor who intends to redeem his/her units after 3 to 4 years at the earliest. The fund is suitable, for example, for someone planning to buy a car or renovate their kitchen.
OP-Moderate – investment policy
OP-Moderate Fund is a balanced fund investing its assets in the global fixed-income and equity markets. In the base scenario, the fund invests 50% of its assets in the fixed-income markets and 50% in the equity markets. The proportion of fixed-income investments may range between 30–70 % and equity investments between 30–70 %.
The fund’s investments are primarily made through other funds.The fund may use derivatives instruments in its investment activities to hedge against market fluctuations, to replace direct investments and to otherwise promote efficient portfolio management. Primarily derivatives are used in equity and interest-rate risk management.
The Fund diversifies its investments on a broad basis among various companies and bonds, since the investments are mainly implemented using funds.
The Fund’s benchmark index is a combination of several indexes. The composition of the benchmark index is described in the fund prospectus. With active investing, the Fund seeks to outperform its benchmark index in the long term. The Fund mainly takes notable active risk and it may differ significantly from the composition, weights and risk level of the benchmark index.
Stock investments are diversified globally as well as across advanced and emerging markets. The focus of fixed-income investments is on fixed-income instruments issued by public-sector entities and companies with a good credit rating. To a limited extent, the fund may also invest its assets in fixed-income instruments issued by issuers with a lower credit rating or by non-rated issuers.
The fund's other unit classes
OP Fund Management Company Ltd manages OP mutual funds.