Investment based cash management

Better returns on your company's cash through smart cash management

Make your company's money work for you, easily and quickly

A free service that invests the company or institution’s extra money automatically in the mutual funds of your choice to seek better returns. The automated system ensures that your company's account always has sufficient funds for ongoing costs.

Convenient investment at a risk level that suits your company

Investment based cash management suits both large and small businesses. The service helps you to choose broadly diversified fixed income and index funds for your company’s funds at a suitable risk level. More experienced investors may also pick some more unconventional funds for their portfolio.

Low investment costs thanks to the cost-free service

Investment based cash management is a free-of-charge service that you can start using easily on the op.fi service. You will only pay the fund costs.

Start investment based cash management

Making money in the account grow without compromising on liquidity

When the amount of money in your company’s account exceeds two month’s expenditure, you should start seeking returns on the extra money. Investment based cash management ensures your company's liquidity and allows your company's money to grow and bring in a return.

Your company's account will always have sufficient funds for ongoing costs thanks to the automated system. If the account balance goes below a predetermined return level, the service will sell fund units and transfer the money to the account. The sale of fund units is activated at intervals of three days, counted from the payment date of the previous sale.

How to start using the investment based cash management service

If your company is not yet our customer or does not have a OP Savings and Investments Agreement, call us at 010 005 151 to book an appointment with an investment specialist. If you are an OP customer, and your company has an OP Savings and Investments Agreement, you can activate the service directly on this page.

Invest your company’s cash in bond funds or index funds

The investment based cash management service offers a wide range of bond funds for your company's cash management with a moderate risk level as well as higher-risk index funds investing in the stock markets. The higher the risk you can take, the bigger the possible returns may be.

You can yourself determine the weighting between fixed income and index funds, on the basis of which the total risk level is formed. The service will automatically buy the funds picked by you, respecting the allocation you have set.

You investments will be diversified in terms of time, quality and geography

Investment based cash management automatically follows three important investment principles – temporal, qualitative and geographical diversification. Extra money in the account is automatically invested in funds in small amounts to seek returns and, in that way, diversified efficiently across time. The service’s mutual funds invest their assets in different parts of the world and in different industries, which ensures high qualitative and geographical diversification.

It is up to you to decide your targeted return level for your company's money. Do you want to safeguard your company's assets with fixed income investments or are you interested in higher returns from index funds investing in the stock markets?

Bond funds suitable for cash management

OP-Fixed Income Portfolio

OP-Euro

OP-Yield

OP-US Corporate Bond

All funds

Equity index funds

OP-Asia Index

morningstar™

OP-America Index

morningstar™

OP-Europe Index

morningstar™

OP-World Index

morningstar™

OP-Nordic Countries Index

morningstar™

OP-Finland Index

morningstar™

All funds

How to start investing company assets

Learn how to get started and start investing that best suits your company’s needs.

Investment advice for companies

Free investment advice provides professional assistance for investing the company’s funds.

Short-term fixed income funds

Flexible and low-risk choice for short-term investment.

Become a corporate customer

Let’s join forces to build the optimum solution for your company. Contact us and book an appointment with one of our experts.

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.