What are the OP Premium investment baskets?
The OP Premium investment baskets are ready-made asset management solutions that include an extensive range of investments. They are actively managed by OP Asset Management's professionals. You can choose from OP's extensive range of funds and investment baskets for your insurance, including any OP Premium investment basket. You can choose from three different risk and return levels. The baskets invest globally in both bonds and equity markets as well as in alternative investments, such as real estate. You can browse and choose investment baskets easily at op.fi or on OP-mobile.
How do I invest in OP Premium investment baskets?
You can make use of these actively managed asset management solutions if you are an insurance saving customer, meaning that you have unit-linked insurance, pension insurance or a similar policy. If you do not have an insurance saving product yet, you can start saving through insurance by booking an appointment with the investment advisor of your OP cooperative bank.
Three OP Premium investment baskets
You can choose a ready-made asset management solution from OP's extensive range of investments for your insurance, including from the OP Premium investment basket product family. You can choose from three different risk and return levels. The portfolio manager of the OP Premium investment basket invests the funds for you and makes any necessary changes as the market conditions change based on the investment policy of your chosen investment basket.
OP Premium 25
The OP Premium 25 investment basket is suitable for cautious investors and short-term investing. In normal conditions, 25 per cent of the investment basket's funds are invested in the equity market and 75 per cent in alternative investments.
OP Premium 50
The OP Premium 50 investment basket is suitable for conservative investors looking for a slightly better return on their investment but who want to keep risks moderate by leaving half of their funds on average in fixed income investments. In normal conditions, 50 per cent of the investment basket's funds are invested in the equity market and 50 per cent in alternative investments.
OP Premium 75
The OP Premium 75 investment basket is suitable for investors seeking a good return on their investment who understand the risks associated with a high equity weight and tolerate large fluctuations in value. In normal conditions, 75 per cent of the investment basket's funds are invested in the equity market and 25 per cent in alternative investments.
OP Premium investment baskets cannot be chosen for insurance by customers with Aurum insurance, interest-yield insurance or the possibility to use interest income. OP Premium investment baskets are administered by OP Life Assurance Company Ltd, and OP Asset Management Ltd is responsible for their portfolio management.