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With a fund, even a small amount can give you access to professional expertise. Through an investment fund, you can invest in stocks and bonds, for example. In funds, returns are based on the returns of their investment instruments, i.e., yields, dividends, and price appreciation of the investment instruments.
With an investment fund, even a small amount can give you access to professional expertise. You can save in funds in several ways. You can make a single subscription to a chosen fund or start continuous, for example, monthly fund saving. As a monthly saver, you can start with as little as ten euros. You can choose one or more funds to save in. The funds accumulated are available for withdrawal in case of unexpected expenses.
Diversifying investments is one of the key features of a fund, as even a small amount gives you a diversified portfolio.
Investment funds are subject to statutory minimum diversification requirements concerning assets, which in turn reduce the risk associated with investment activity. Distributing investments across various investment instruments and industries reduces the impact of value changes of individual investments.
International diversification is also easy through funds. Through funds, you can also invest in more distant instruments, such as stocks in developing countries.
With an actively managed fund, you benefit from the expertise of investment professionals. Fund portfolio managers are experts who actively monitor the securities markets and make changes to investments as required by market conditions. As a fund investor, you do not need to follow the activities of companies and markets to the same extent as if you were investing directly in securities. Subscribing fund shares is easy, and they are generally quickly and easily convertible into cash.
Unlike individuals, a Finnish fund is not taxed on capital gains, allowing it to trade securities without incurring capital gains taxes. The fund also does not pay tax on dividends from Finnish listed companies. This results in long-term benefits for the fund investor, as the fund can more effectively reinvest its returns. Thus, the taxation of the fund share owner is realized only when they redeem their fund shares.
We can help you. You can invest with us - you invest, we provide advice. If you wish, you can also outsource investing to us. We will create your investment plan together, but we will invest on your behalf.
An investment fund is a tool through which you can invest in various investment instruments such as stocks or the fixed income market. Your return depends on the performance of the investments contained in your fund. The return is generated by the development of the value of the securities owned by the fund, such as stocks and fixed income investments, dividends, and interest income. Funds also involve risks, and the value of your holdings can both increase and decrease.
Fixed income funds: Fixed income funds invest in fixed income investments such as corporate or government bonds and are a good alternative to direct fixed income investments, such as bonds. Fixed income fund investors get several investments with even a small amount, improving the risk-adjusted return expectation due to good diversification.
Equity funds: Equity funds primarily invest in stocks and are best suited as an alternative or complement to direct stock investments. In an equity fund, assets are distributed across multiple instruments, reducing the investment risk compared to direct stock investments.
Mixed funds: Mixed funds invest in both stocks and fixed income products. Mixed funds are suitable for investors who want professionals to manage their investments on their behalf and take market conditions into account when selecting asset classes.
Investing in a fund always involves various types of risks depending on the fund invested in. Risk refers to the uncertainty relating to returns on an investment in a fund. The value of investments may rise or fall and there is a risk of losing some or all of the capital invested in a fund.
When you invest in funds with fund management companies with which Danske Bank has an agreement and under which distribution fees are received, you are entitled to access additional services related to investment services.
Read more about distribution fees (in Finnish)
This is not a complete description of the funds or of the risks involved. Before making a decision to invest, please study the relevant Key Information Documents and other fund materials.
Funds registered in Finland are managed by Danske Invest Fund Management Ltd. Danske Bank A/S, Finland Branch acts as the agent of Danske Invest Fund Management Ltd when offering investment funds managed by the fund management company. Funds registered in Denmark and Luxembourg are managed by Danske Invest Management A/S and distributed by Danske Bank A/S as the agent. Key Information Documents, other fund materials and further information on the funds are available at www.danskeinvest.fi.
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