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How to buy funds on OP-mobile and op.fi

Investing in mutual funds is an easy way to start building your wealth. OP’s funds don’t have a minimum subscription amount, so you can become a fund investor even with a small amount. You can start investing with, say, 10 euros per month. If regular investing is not an option for you, you can make one-time subscriptions into funds.

If you’re buying fund units for the first time, our service requests you to first accept the OP Savings and Investments Agreement. This free-of-charge agreement is required for buying saving and investing products. Log into op.fi in Finnish or Swedish, start buying a fund and accept the agreement shown with your key code list or Mobile key.

How to make a one-time subscription at op.fi

1. See OP’s range of mutual funds and choose the fund that suits you best.

2. Click or tap Buy. Then log into op.fi in Finnish.

3. Fill in the amount to be invested, payment date and the account from which the amount will be debited.

4. In the summary under Kertamerkinnän arviolaskelma (One-time subscription estimate), check that the details you entered are correct.

5. Confirm that you have familiarised yourself with the fund’s Key Investor Information Document (KIID) and click or tap Hyväksy (Confirm).

6. Your fund order has now been confirmed. Your fund holding will be visible online within 1–2 banking days from the subscription. To view your fund holdings’ performance, log into op.fi in Finnish and go to Rahastot (Funds) under Säästöt ja sijoitukset (Saving and investing).

How to start monthly investing into a fund at op.fi

1. See OP’s range of mutual funds and choose the fund that suits you best.

2. Click or tap Buy. Log into op.fi in Finnish.

3. Select Säästä myös säännöllisesti (Invest regularly too). Fill in or select the following:

  • Investment amount.
  • Investment interval that suits you. You can invest every month, every other month or every three moths.
  • Due date. On this date, the investment amount will be debited from your account and invested in the fund you have selected. In regular investing, the due date occurs the same day every month.
  • The account from which the investment amount will be debited.

4. In the summary under Säännöllinen säästäminen (Regular investing), check that all the details you have entered are correct.

5. Confirm that you have familiarised yourself with the fund’s Key Investor Information Document (KIID) and click or tap Hyväksy (Confirm).

6. Your fund order has now been confirmed. Your fund holding will be visible online within 1–2 banking days from the subscription. To view your fund holdings’ performance, log into OP op.fi in Finnish and go to Rahastot (Funds) under Säästöt ja sijoitukset (Saving and investing).

How to buy fund units on OP-mobile

1. Select the fund in which you want to invest and tap Buy.

2. Enter the Amount invested, select Custody and tap Continue.

3. Confirm that you have familiarised yourself with the fund estimate, terms and conditions and other documents. 

4. Check the Subscription sum and select the Payer account. Then tap Accept.

5. Your fund order has now been confirmed. Your fund holding will be visible online within 1–2 banking days from the subscription. To view your fund holdings’ performance, log into OP-mobile and go to Investments (Funds).

How can I change my regular investing plan?

To make changes, log into op.fi in Finnish. Go to Säästöt ja sijoitukset (Saving and investing) and then Rahastot (Funds). Under Säännöllinen säästäminen (Regular investing), select your fund and click or tap Muokkaa (Edit). You can modify your investment amount, due date, debit account and debit frequency. If you like, you can pause investing for a while, end it or switch the fund in which you invest.

How to choose a fund that suits me?

When choosing a fund in which to invest, think of what kind of saver or investor you are. How long a time would you like to invest? What is your return target? What is your risk tolerance? Many people start with easy Saver’s funds where your assets are managed by investment professionals. We also offer a range of other funds, including responsible funds, equity funds and index funds.

To find the best funds considering your situation and targets, use our Savings calculator and compare investments by investment period and expected return.

OP funds are managed by OP Fund Management Company.