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Mutual fund benefit for owner-customers

Invest in mutual funds without fees

As an OP cooperative owner-customer, you can sell, buy and trade nearly all our mutual funds without fees. 

Your money generates income in mutual funds

An easy way to make the money grow is to regularly invest a certain amount in a mutual fund. In mutual funds, your assets are invested in bond and stock markets, and the fund has a higher expected return in the long term compared with a bank account.

Become an owner-customer today

If you are not yet an owner-customer, join us today! As our owner-customer, you are entitled to discounts on bank service charges and insurance premiums and earn and use up to hundreds of euros in OP bonuses every year.

Become an owner-customer

Benefits of investing in mutual funds

Investing in mutual funds is suitable for you if are looking to earn better returns in the long run and value simple, flexible and customised options. If you have a dream for which you need to save, monthly investment in mutual funds is a great way to make your dreams come true.

Investing in a mutual fund is easy and safe. In mutual fund investing, a professional will manage your investments for you and you can track their progress easily at and on OP-mobile. 

Investing in funds generates OP bonuses to owner-customers. Bonuses can be used to pay, for example, loan service charges and Pohjola Insurance premiums.

What sum should I invest?

You can start monthly investing at any time. A good rule of thumb is to invest 5% of your net earnings every month. By investing regularly, your savings will accumulate almost automatically. 

If regular investing is not an option for you, you can also make one-off investments in a mutual fund. Our mutual funds do not have a minimum subscription sum and you can make individual investments even with small sums. See our instructions for investing into mutual funds here.

You can always put your investment activity on hold or switch to another fund. If you have a sudden need for your accrued savings, you can withdraw them quickly at  

I save in mutual funds monthly in order to diversify my investments easily and cost-efficiently. There’s no way I would go back to picking stocks by hand.


Choosing a suitable mutual fund

To choose the fund that best suits your needs, think about your investment horizon and how much risk you are ready to tolerate.

  • Saver's funds are an easy way to begin regular investing. They provide you with a diversified investment vehicle with an expert who will manage your investment in the funds.
  • From our socially responsible funds, you can choose to invest in accordance with your values. The funds invest in sectors that emphasise ethical business practices, combatting climate change or securing clean water, for example.
  • If you are already familiar with the fundamentals of investing in funds, are looking for higher returns and are willing to tolerate risk, check out our stock funds. We offer funds that focus on investing in both developed and emerging markets.

The following mutual funds are subject to standard transaction costs: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield and OP-Alternative Portfolio.


OP Fund Management Company Ltd manages OP mutual funds.