
Monthly investment
Investing monthly in a fund is an excellent way to build up savings
You can get started with just 10 euros a month, but with a larger sum, you can build up your wealth faster. If you have the opportunity of investing and seek returns on your monthly investments, start investing in a fund on a monthly basis.
Why start investing monthly in a fund?
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By investing monthly, you can ensure that your investments are diversified across time. When prices are down, you get more mutual fund units with your monthly investment sum and less when prices are up.
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By investing in a fund, you ensure that your investments are diversified, as a fund diversifies even small sums across different assets.
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By investing monthly, you benefit from the compound interest effect and get a return not only on your initial investment but on the return that has accrued.
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You’ll find a fund suitable for your investment target from our extensive range of mutual funds.
Tips for starting monthly investment
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The most important thing is starting. The earlier you start, the more returns your investments can yield.
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Remember to diversify. We recommend selecting a few mutual funds to invest in on a monthly basis. In some cases, one fund can be enough if it’s diversified geographically or by industry, for instance.
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Select a monthly investment amount that suits your pocket. An ideal amount may be 5–10% of your net income. But you can start with just 10 euros a month. You can adjust the monthly amount or put your investment activity on hold at any time.
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Let your investments work for you. Withdraw money only when you really need it. In this way, compound interest works effectively for you.
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It's also advisable to start investing for a child early on. The longer the investment horizon, the higher the risk you can take and seek better returns.
How can I change my monthly investment?
To make changes, log into the op.fi service (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 put your investment activity on hold for a while, end it or switch the fund in which you invest.
How to choose a suitable fund?
When choosing a fund in which to invest, think of what kind of saver or investor you are and what is your investment target. 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.
You’ll find the best funds considering your situation and targets by using our Savings calculator and comparing investments by investment period and expected return.
See how your investments can grow – try out the Savings calculator
Investment always involves a risk. The value of investments can rise and fall, an investor can lose part or all of the money they invest, or may never receive the expected return. OP Fund Management Company Ltd manages OP mutual funds. Investment services are provided by OP cooperative bank.