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Monthly investment

Monthly investment in a fund is a good choice for different stages of life.

The most important thing is to start

The earlier you start, the more time your investments have to make a return. You can get started with just 10 euros a month, but a larger sum will build your wealth faster. If you choose automatic monthly investment, the chosen sum will be transferred automatically into the fund – without your having to keep track of it.

Invest monthly to benefit from the compound interest effect

By investing monthly, you ensure that the sum you build up and the return on it accumulate interest. The longer you save, the more effectively your assets will grow. Do not redeem your investments until you really need to – this allows you to gain the greatest benefit.

Invest monthly to automatically diversify your investments

In a fund, even small sums are diversified across various investments. Monthly investment also balances market fluctuations: when prices are down, you get more fund units, and when they are up, you get fewer units. This ensures you pay the right price on average.

Start monthly investment

Investing in a fund is an easy way to build wealth

Monthly investment in a fund is a convenient and effective way to start investing. When you automate investing, it becomes effortless, and you do not need to compromise too much on other expenses. You will quickly notice that investing becomes an easy part of your day-to-day life. Whether aiming for a savings buffer, a dream holiday, or financial security – monthly investment will take you towards your goal.

Try the compound interest calculator

Use the calculator to see how much your investment can grow over time. Compare the expected return and risk levels of different funds and find the monthly investment option best suited to you.

Tips for starting monthly investment

Make a decision on starting. By starting monthly investment, you don't have to worry about the right time to invest.
Make investing effortless. It only takes a moment to start investing, and monthly investment runs automatically – just like a streaming service payment.
Diversify risks. Choose at least a few funds for monthly investment. In some cases, one fund can be enough if it's diversified geographically or by industry, for example.
Choose a suitable fund. In our wide range, you can find more than 60 funds, including equity, index and responsible investment funds.
Invest a suitable sum. The ideal investment amount can be 10 per cent of your net income, but you can get started with just 10 euros a month. You can increase or decrease the sum at any time.
You can also invest monthly for a child. The longer the investment horizon, the higher the risk you can take, and the better the returns you can seek.

What does monthly investment mean?

Monthly investment means investing in a fund on a regular basis – it's the most popular way to start investing. You can start with a small sum, such as 10 euros a month. The average sum invested in OP's funds is 73 euros a month.

When you start, just select the fund, the sum, the recurrence and due date – the investment will then be handled automatically every month from your account.

Why is a monthly investment a smart move?

Monthly investment is an easy way to accumulate wealth almost unnoticed. When you start monthly investment into a fund, the investments are handled automatically, and you don't have to worry about them separately. The unquestionable advantages of monthly investment include:

Time diversification: by investing regularly over the long term, you spread the risk over time. Purchases are spread over low and high prices, so that purchases do not only take place at high prices.
Compound interest effect: regular investments can accumulate income over time, after which, in addition to the capital, the income accumulates income.
Convenience: after starting monthly investment, investing is handled automatically – like a direct debit for bills.
Investing is possible even with small amounts: you can start monthly investment from 10 euros per month, so you can get started with a small investment.

How can I change my monthly investment?

To make changes, log into OP-mobile or the op.fi service.

On OP-mobile, go to the investment section and select Monthly investment.
In the op.fi service, select Investing and then Fund holdings and monthly investment.

Select monthly investment and you will see all the funds in which you invest regularly. On OP-mobile or at op.fi, select the fund that you wish to change. You can change the investment amount, frequency, savings date and the debit account. If you like, you can take a break from investing or end it altogether.

Which fund is best for me?

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

Investing in OP's funds is inexpensive as you can buy nearly all funds free of charge. As an OP cooperative bank owner-customer, you also earn valuable OP bonuses on fund investments. If you have the opportunity to invest and are looking to make a profit, why not start monthly investing in a fund?

This is a marketing communication. OP Fund Management Company Ltd and OP Asset Management Ltd have prepared this material as background information. The information presented in the material is based on sources that the authors consider reliable. However, the authors cannot guarantee that the provided information or opinions are correct or complete. This material is not intended to provide, and cannot be regarded as, a comprehensive and complete description of the product and the risks involved. Although the material has been prepared with care, and the aim has been to ensure that all the presented information is accurate, the authors and their employees assume no responsibility for the content of the material, and no decisions or agreements should be made based on it.
This material does not include a binding offer or proposal to buy or subscribe for a fund unit, nor does the material or its content form a basis for any agreement or commitments.

OP Pohjola's mutual funds are managed by OP Fund Management Company Ltd, which is a fund management company and alternative investment fund manager licensed by the Finnish Financial Supervisory Authority. The portfolio manager of OP Pohola's mutual funds is the portfolio management company specified in the fund prospectus for OP funds. Investments always involve risks. The value of investments can rise and fall, and the investor may lose part of or all the invested funds. Past performance does not predict future returns. The potential future performance is subject to taxation which depends on the personal situation of each investor and which may change in the future. If the mutual fund is marketed outside Finland, OP Fund Management Company Ltd may decide to end such marketing. Before making an investment decision, take all the characteristics or objectives of the fund into consideration, as described in the fund prospectus for OP Pohjola funds and other documents related to the mutual fund. Only make your investment decision after reading the mutual fund's Key Information Document, the funds prospectus, and the rules of the fund. These are available from your asset manager or at op.fi/all-funds. The main risks associated with mutual funds can be found in the Key Information Document, and a more detailed list of risks is presented in the funds prospectus. A summary of investors' rights can be found at op.fi/ops-fund-publications. These documents are available in Finnish, Swedish and English. Copying, publishing or distributing this material to a third party in full or in part is not permitted without written permission from OP. By accepting this material, you agree to follow the instructions and restrictions above.

This material is a translation. If there are any discrepancies between the translation and the original Finnish material, the Finnish material shall prevail.