Saving and investing -
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Investing allows you to save for the future while earning returns on your savings. By investing in stocks or funds, for example, it is possible to achieve higher returns over the long term compared to traditional bank accounts. You can earn returns on your investments, for example, from the appreciation of company stocks or investment funds and from dividends distributed by them. Investing also involves risks in addition to return opportunities. These can include, for example, a decrease in the value of the investment and, in the case of corporations, bankruptcy of the company.

Investing can be a powerful tool to achieve your significant life goals. Thus, investing should not generally be done just for the sake of investing, but rather to help you achieve your dreams and goals, as well as provide a sense of security and peace of mind. Investment goals can include:

• A secure retirement
• Achieving financial freedom
• Supporting your child's future

Take the first step towards your goals and start investing today.

Numerous options are available for beginning your investment journey. You can invest directly in stocks and investment funds or take advantage of investment advisory and wealth management services. Before starting to invest, it is good to make your own financial plan and consider what your goals are for investing and how much risk you are willing to tolerate. It's also important to explore different investment options and consider how much money you are willing to invest. Consider at least these:

• What is your goal in investing and how much money are you willing to invest?
• How much risk are you willing to tolerate and how much fluctuation in the value of your investments can you stomach?

However, you don’t have to start your investing journey alone – nor should you always. The most important thing is to start, and plans can always be adjusted along the way according to your life situation and financial conditions.

When we make investment decisions on your behalf, we always consider sustainability factors. We call this approach responsible investing. We consider factors related to the environment, social responsibility, and good governance (ESG). By doing so, we can better select investment instruments from which you get the best benefit responsibly.