OP-World

OP-World diversifies its assets extensively across American, Asian and European equity markets. It is an actively managed equity fund, meaning that its portfolio manager analyses and follows the market trends of geographical areas and industries, forming a view and then applying it in executing the fund's investment policy. Stock investing is never completely risk free. The overall market risk is always present, and the value of the fund may fluctuate significantly depending on market conditions. Wide diversification, however, can to a significant extent offset the impact of volatility affecting certain target markets or stocks.

Generating risk-adjusted returns that by equity market standards can be considered good and steady, OP-World forms an ideal cornerstone of an investment portfolio. The fund is also a good choice for a passive investor. In addition to this cornerstone fund, investors can complement their portfolio with more specialised funds that support their own market view. OP-World is mainly recommended to an investor who intends to redeem his/her units after seven years at the earliest.

OP-World (Fund) is an equity fund which invests its assets broadly in the global equity market.

The Fund's investments are mainly based on investments in UCITS (EC Directive on Undertakings for Collective Investment in Transferable Securities) and non-UCITS funds and undertakings for collective investment (CIUs) (Underlying Investee Funds). All of the Fund’s assets may be invested in Underlying Investee funds, and a maximum of 20% of the Fund's value may be invested in one Underlying Investee fund. A maximum of 30% of the Fund's value may be invested in non-UCITS funds and in undertaking for collective investment (CIUs) that do not fulfil the UCITS Directive. The Fund may use derivative instruments in order to hedge against adverse market movements, to replace direct investments and to otherwise promote effective portfolio management.

The Fund's equity market exposure may vary between 75% and 100% of the Fund’s value. The equity weighting typically varies between 90% and 100%.

The Fund diversifies its equity investments broadly across various companies, since the investments are mainly implemented using funds.

The Fund's benchmark index is MSCI World EUR. With active investing, the Fund seeks to outperform its benchmark index in the long term. The Fund mainly takes notable active risk and it may differ significantly from the composition, weights and risk level of the benchmark index.

As our owner-customer, saving and investing is especially worthwhile thanks to the excellent benefits you receive.

Your benefits when investing in funds or through insurance:

• Buy and sell almost all OP mutual funds with no fees.*
• You earn 0.35% OP bonuses from mutual fund and insurance assets.** 
• Begin saving through insurance free of charge. 
• Switch between investments, invest additional funds and change your payment and investment plan for OP Unit-linked Insurance and OP Savings Agreement free of charge in our digital services.  

Your benefits in equity and ETF investing:

• Open an equity savings account or book-entry account free of charge.
• You get a discount on equity trading and a 1% fee ceiling when trading in Finnish listed companies through a book-entry account The discounts apply in digital services.
• Get access to free stock picks and analysis.
• Get a discount on the service packages for savers and investors:
  Equity savings account: 
  Saver: €0/month (normally €2.99/month)
  Investor: €9.99/month (normally €14.99/month)
  Book-entry account: 
  Saver: €0/month (normally €2.99/month)
  Investor: €0/month (normally €5.39/month)

Other benefits:

• Only owner-customers can invest in Profit Shares.

Remember to make use of all benefits: