OP-Vuokratuotolla helposti asuntosijoittajaksi

OP-Rental Yield

A fund that enables you to easily become a residential property investor
1

Easy residential property investment

Through the residential property fund, you can be a residential property investor without the trouble and large amount of initial capital that an owner-occupied apartment involves.

2

Steady return from a residential property fund

Rental apartments offer steady return based on rental income and are therefore less vulnerable to market movements.

3

Higher return potential and diversification benefits

Renting and construction contracting of apartments and office premises offer higher return potential than what a mere residential property investment offers.

A residential property fund enables you to invest in housing units and real property

OP-Rental Yield is a non-UCITS fund that enables you to diversify your investments in housing units, real property and their construction. The fund's investments focus on growth centres and attractive areas.

By investing in OP-Rental Yield, you will enjoy the benefits of residential property investment without the trouble caused by managing the property or tenancy.

The fund seeks stable and steady return. OP-Rental Yield primarily aims to earn a rental yield on apartments it owns. In addition, the fund may acquire business premises and earn additional income by leasing them.

Why it pays to invest in OP-Rental Yield?

  • No previous experience in residential property investment is required.
  • Enables a steady return that is not dependent on stock markets.
  • Through the residential property fund, your investment is immediately diversified in hundreds of housing units and real property. 
  • An effortless and easy way to invest in residential property. 

OP-Rental Yield is a fund for investors with a long-term approach

OP-Rental Yield suits investors with a long-term approach, who seeks a stable and steady return on their investments. The fund focuses its investments on residential property and real property markets. For this reason, the general value performance in property markets and the performance of rental income have a significant effect on seeking returns and the value of the returns.

Considering that investing in residential property is a long-term investment, it therefore pays to engage oneself in the residential property fund for a longer time. OP-Rental Yield suits investors who intend to redeem their units after four years at the earliest. The fund is a splendid choice for those dreaming of residential property investment but not ready to spend a large amount of initial capital on purchasing a buy-to-let home.

How to buy a mutual fund

  • Now you can become a residential property investor even with a small amount – OP-Rental Yield Fund has no minimum subscription.
  • You can subscribe for and redeem mutual fund units four times a year. Exceptionally, OP-Rental Yield Fund may not be subscribed for in June, so the following subscription date will be 30 September 2020.

OP-Rental Yield

Online fees and charges

Subscription fee Annual management fee Redemption fee
2,00 % 1,90 % 1,00 %

In case the investment is held under 4 years, at the moment of redemption we will charge a 3% fee and, for investments held under 2 years, a 5% fee. Subscription and redemption fees are refunded to the fund. The fund's value is calculated 4 times a year. The fund generates OP bonuses.

Fund’s available apartments

OP-Rental Yield fund’s portfolio is managed by OP Property Management. The fund’s available apartments are shown on the kodisto.fi/op page. For the properties shown, real estate funds managed by OP Property Management or OP's insurance and pension institutions act as lessors.

Read the portfolio manager's review on the fund's Finnish pages.

OP-Rental Yield fund mainly invests its assets in apartments, commercial premises and residential construction contracting. The fund is a AIF fund based on the Alternative Investment Fund Managers Directive.

The fund’s investments are mainly made in rental apartments which typically account for some half of the fund’s portfolio. In addition, the fund invests a maximum of a fifth of its gross assets in residential construction contracting. These investments are made either directly to OP-Rental Yield’s own construction contracting or indirectly in shares in limited partnerships engaged in building and renting homes. The fund also invests in commercial premises, such as business and office premises.

Developments in prices and rental income in the Finnish property market contribute considerably to the fund’s return and value. Fund investments typically focus on real property in growth poles and other regions considered the most attractive by the portfolio management.

The fund management company may, for the account of the fund and for the purpose of the fund’s investment operations and asset management, borrow an amount that accounts for a maximum of half (½) of the fund’s total assets. For a special
reason, the fund management company may borrow an amount accounting for a maximum of one-third (⅓) of the fund’s net assets for a temporary purpose. The fund may pledge its assets in security for its loans.

Read more about fund’s responsibility on the fund’s Finnish pages.
More details Basic data, performance and fact figures

Basic data

Fund manager
OP Real Estate Asset Management Ltd
Benchmark index
No benchmark index
Start date
25.04.2013
ISIN
FI4000060934
fund serie
Income unit
Fund size
1511 Meur
Serie value (31.03.)
127,19 EUR
Monthly review
Download
Rules
Download
Brochure
Download

Accumulated profit (31.03)

1mth 3mth 6mth 1 y 3 y p.a. 5 y p.a.
OP-Rental Yield B - +0,28 % +1,51 % +2,63 % +4,73 % +4,95 %
Benchmark - - - - - -

Yearly performance

2015 2016 2017 2018 2019 YTD
OP-Rental Yield B +7,22 % +3,92 % +4,18 % +5,97 % +4,36 % +0,28 %
Benchmark - - - - - -

Key figures

Volatility 12 m vola 12m Sharpe 12 m Duration
OP-Rental Yield B 1,85 % 1,62 -
Benchmark index - - -

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.

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

 

OP Fund Management Company Ltd manages OP mutual funds.