Saving and investing - explore our products and services
Whether you're a seasoned investor or just beginning your investment journey, there's a suitable option for everyone. When you invest with us, you have the freedom to choose the investment services that suit you best. Let's build a personalised investment plan together.
Choose your own way to invest
Invest independently
Save in funds
Investing in mutual funds is an excellent way to start investing. You can make a one-time contribution or save an amount of your choosing every month.
Access 21 investment markets. You can influence your investment costs - the more investment transactions you make, the cheaper your investment fees are.
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.
Why should you invest?
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.
How do I start investing?
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.
What is responsible investing?
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.
Explore our comprehensive range of investment solutions designed to help you reach your financial goals.
Stocks
Stock investing is especially suitable for investors who want to spend time monitoring their investments and decide by themselves where to invest.
Stock investing has a higher risk than, for example, bond investing, but at the same time, their returns have historically been better over the long term.
Investing in ETFs, or exchange-traded funds, is one form of fund investing.
The difference from traditional fund investing is that shares of ETFs are traded on the exchange like stocks.
The investments contained in ETFs generally follow a selected index that tracks the development of a specific stock market, geographical area, or sector.
Insurance is provided by Mandatum Life Insurance Company Ltd (Mandatum), which is responsible for the insurance. Danske Bank acts as an agent for Mandatum. Financial Supervisory Authority supervises insurance representation.
This material is general information and does not constitute a complete description of the investment objective or of the risks involved. Before deciding to invest, customers should familiarize oneself with the characteristics, risks and taxation of the investment.
Investments always involves financial risk. Customers may not obtain the return sought and they may lose some or all the capital invested. It is worth remembering that past performance is no guarantee of future results. Customers must base their investment decisions on their own assessment of the financial instrument and the risks involved, as customers are ultimately responsible for the financial implications of their investment decisions.
This material does not constitute an individual recommendation, and the information provided is not related to the investment objectives, financial situation or specific needs of any individual customer. While every effort is made to provide information that is as accurate and correct as possible, the Bank does not guarantee the completeness or accuracy of information obtained from external sources. The views expressed represent the Bank’s estimates at the time of the preparation of this material and are subject to change without notice. The Bank shall not be liable for any costs or losses arising from the use of the information contained in this material.
The material contains intellectual property owned by the Bank, to which the Bank reserves all rights.
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