Frequently asked questions about savings and investments

You can buy fund units by going to the “Savings and investments” tab in Nordea Netbank and selecting “Funds”. In Nordea Mobile, you can do this on the Overview tab if you have previous investments with us.

Buy units in a fundOpens new window

If you want to sell all or part of your fund units, go to the “Savings and investments” tab in Nordea Netbank. Then select your fund portfolio under your investment accounts. In Nordea Mobile, select your fund portfolio on the Overview tab. 

Sell units in a fundOpens new window

To read more about the current market situation, visit the ‘Market comments & information’ page on our website.

Do you need help in selecting the right fund? Book a free meeting for investment advice with us or try our digital investment adviser Nora. You can also build your own fund portfolio by using the Portfolio Designer.

If you want to start saving monthly into a fund, go to “Savings and investments” in Nordea Mobile or Netbank and select “Monthly savings”.

Start monthly savingOpens new window

Do you need help in selecting the right fund? Book a free meeting for nvestment advice with us or try our digital investment adviser Nora. You can also build your own fund portfolio by using our Portfolio Designer tool.

If you have an existing fund savings agreement with us, you can edit the monthly savings amount and the transfer date or pause your savings plan by going to “Savings and investments” in Nordea Mobile or Netbank and selecting “Monthly savings”.

Edit your monthly savingsOpens new window

To see how a fund’s order date and value are determined, check the sections “Subscription” and “Redemption” in the relevant fund’s rules. You can find the rules through Nordea Netbank’s search function under ‘Funds’Opens new window. Search for the relevant fund, select it and scroll to ‘Details’.

In most funds, subscriptions and redemptions work like this:

• The trade date of orders received before 16.30 Finnish time is the current banking day. 
• The trading value is the net asset value (NAV) per unit calculated by the fund management company after 17.00 on the trade date.
• If you are making a subscription, an authorisation hold will be placed in your account on the order date after 16.30. The authorisation hold will be released on the payment date when the subscription is actually charged.
• The payment date is the trade date + 2 banking days.
• A charged subscription will show in your account on the evening of the payment date, and a paid redemption on the morning of the payment date.

Always check the specific rules in the relevant fund’s ‘Rules’ document.

You are liable to pay capital income tax on any capital gains you accrue from selling fund units. 

Read more about the taxation of investment funds

• on the Tax Administration’s website at vero.fi
• Tax Guide for Investors compiled by the Finnish Foundation for Share Promotion (available in Finnish)

Do you need help in selecting the right fund? Book a free investment advice meeting or try our digital investment adviser Nora. You can also build your own fund portfolio by using the Portfolio Designer.

Investing requires a long-term approach. That’s why the best way to achieve your investment goals and increase your wealth is to prepare an investment plan. Your investment plan takes into account your financial situation, investment goals, investment experience and knowledge, risk and loss tolerance and other personal circumstances.

We recommend that you stick to your investment plan.  You can find your investment plan in the old Netbank under Savings and investments > My savings > Savings and investment plans. 

See why we recommend that you stick to your investment plan

If you don’t have an investment plan yet, you can book a free investment advice meeting with us.

To read more about the current market situation, visit the Market comments & information’ page on our website.

In our Insurance serviceOpens new window you can see all your insurance-based investment and personal insurance policies.

You can see the performance of your investment under “Savings and investmentsOpens new window” in Nordea Mobile and Netbank.

More detailed information is available in our Insurance serviceOpens new window.

You can make a separate one-off investment by transferring the money from your account. A one-off investment will be invested in the unit-linked insurance policy according to the investment plan valid at the time of transfer. You will find information about making a one-off investment in our Insurance serviceOpens new window.

You can select the sum, payment frequency, due date and end date in your savings plan. Monthly savings will be invested in the unit-linked insurance policy according to the investment plan valid at the time of transfer. You will find information for making a savings plan in our Insurance serviceOpens new window.

Orders concerning investment instruments will be executed without undue delay at the value of the investment after the insurance company has taken all the required measures. Orders submitted before 14.00 will mainly be executed at the value of the order date. In exceptional situations, the execution of an order may be delayed or even cancelled due to a data system failure or delays in redemptions by the fund management company. Processing withdrawals takes about three banking days.

You can adjust the allocation of your savings and make changes to your investment plan concerning the assets to be invested in our Insurance serviceOpens new window.

Please note that you can make changes only after the prices of investments have been updated. This takes about 1–3 banking days.

You can withdraw your savings in our Insurance serviceOpens new window.

You can change the beneficiary clause by calling Nordea Customer Service. As the beneficiary clause determines who will receive the life insurance payout, you should pay special attention to the wording of the beneficiary clause. 

You can start investing in equities by opening an equity savings account or a book-entry account. 

Read more about differences between an equity savings account and a book-entry account.

To open an equity savings accountOpens new window, go to the Services tab in Nordea Mobile or Netbank and select “Savings and investments”. Then select “Equity savings account”. 

To open a book-entry account, go to Nordea InvestorOpens new window.

After opening the service, you can trade in equities through Nordea Mobile and Netbank, as well as in Nordea InvestorOpens new window.

In Nordea’s online services, you can trade in more than 2,500 different stocks and 20 marketplaces across Europe and North America. We’ve also made it easy for you to track your investments and the markets.

Read more about our trading services.

You may find that the acquisition price for an equity is missing if the equity has been subject to a corporate action or it has been transferred to a book-entry account as a gift or inheritance, for example. The acquisition prices will also be missing if the entire book-entry account, including the equities, has been transferred from Nordea to another bank or vice versa.

It is your responsibility as the customer to find out the missing acquisition price. Companies often have information about corporate actions on their respective websites. For more information about tax decisions, please visit the Finnish Tax Administration’s website at www.vero.fi.

You can see all transactions executed on Nordea’s trading platform in Nordea InvestorOpens new window under My Portfolio > Transactions or in Netbank under Savings and investments > Activities > Transactions. Select a time period and book-entry account to search for transactions.

Before transferring equities to Nordea from another bank, it’s important that you find out the acquisition price for these equities from the other bank, as the equities will arrive in your book-entry account with Nordea as one acquisition lot without an acquisition price. You can enter the missing acquisition price for the acquisition lot yourself (the average of the acquisition prices for the equities to be transferred). 

You can edit missing or incorrect acquisition prices for equities in Nordea Investor or on the Savings and investments tab in the old Netbank. In the old Netbank, you can edit acquisition prices by selecting My savings, then the book-entry account you want from the dropdown menu. Now click on the equity’s change in value in euros. You will find an Edit button at the right edge of the page beside every acquisition lot. In Nordea Investor, you can edit acquisition prices by selecting My Portfolio, then the equity’s percentage profit/loss. You will find an Modify button on the transaction row. 

Please note that Nordea assumes no responsibility for the acquisition prices edited or added by its customers. The edited prices will not be forwarded to the Tax Administration or included in Nordea’s documents. 

You can open a book-entry account easily in Nordea InvestorOpens new window.

After opening the service, you can trade in equities through Nordea Mobile and Netbank, as well as in Nordea InvestorOpens new window.

In Nordea’s online services, you can trade in more than 2,500 different stocks and 20 marketplaces across Europe and North America. We’ve also made it easy for you to monitor your assets and the markets. 

Read more about our trading services

You can close a book-entry account by calling Nordea Customer Service. 

You can open an equity savings account easily in Nordea Mobile or Netbank. Go to the Services tab and select “Savings and investments”. Then select “Equity savings account” and “Open equity savings account”. Please note that you are allowed to have only one equity savings account at a time. This means that you are allowed to open an equity savings account with only one bank.

Open equity savings account Opens new window

Nordea Investor allows you to easily follow the markets any time, any place, including on your phone or tablet. You can submit orders and trade when it suits you best. 

You can log in to Nordea Investor directly in your browserOpens new window or through the log-in link under “Other services” on the Overview pageOpens new window in Nordea Netbank.

Nordea Investor is free of charge if you are using one of our trading services and the service is linked to your Netbank.

To transfer a book-entry account or equity savings account to Nordea, please call our Customer Service 0200 70 000 (local rates apply)Opens new window

You can find the number of your book-entry account on the Savings and investments tab in NetbankOpens new window, under Investment accounts.

In Nordea’s services, the book-entry account number is shown as a string of 14 or 15 digits. If you need the official 35-character long account number, you can find it by selecting your book-entry account and copying the account number under the account details.

However, if you have to provide the official number somewhere, you have to convert it to 19 digits first. You can do this by adding the required number of zeroes after “02 2000” shown at the beginning of the number. After this, you should add the identifier for the central securities depository, which is APKE, and 12 zeroes in front of the 19-digit number to create the official 35-character long account number.

Example of how to convert a book-entry account number:

Nordea book-entry account number: 02 2000 (00000) 123 45678

New number: APKE 000 000 000 000 02 2000 00000 123 45678

You can transfer money to your equity savings account only in Nordea Investor. When you have logged in to Nordea Investor, you can transfer money to your equity savings account under the “My Portfolio” page.

When using Nordea Investor on a mobile device, select ‘My Portfolio’ from the menu. To transfer money, select your equity savings account.

Log in to Nordea InvestorOpens new window

You can edit missing or incorrect acquisition prices for equities in the old Netbank on the Savings and investments tab. You can edit acquisition prices by selecting My savings, then the book-entry account you want from the dropdown menu. Now click on the equity’s change in value in euros. You will find an Edit button at the right edge of the page beside every acquisition lot.

If you are interested in a security that you cannot currently trade in through Nordea, you can ask for it to be added to our selection by sending a message to us through Nordea Omaposti. Remember to add the name and ISIN code of the security to your message so that we can identify it. If it is possible for us to add the security to our selection, we will usually do so within two banking days after we have processed your request.

Investing in equities in general and making informed stock picks requires you to follow the markets closely and read the companies’ financial statements.

If you invest in equities, the first thing you will have to do is choose which company’s shares you want to buy. When picking the shares in which to invest, you should carefully consider your investment options. 

Examples of potential investment criteria include a strong dividend history, good growth plans and promising growth potential, skilled management, the impact of megatrends on the business, and the company’s key figures. But there are also many other factors that may come into play when picking which shares to buy. 

If investing in equities feels cumbersome and time-consuming, we will be happy to help you find the right investments. In order to do this, we recommend that you prepare an investment plan. The aim of this plan is to find the best way for you to reach your investment goals and enable you to grow your wealth over the long term. You can book an appointment for a free-of-charge investment advice meeting from the bottom right corner of this page.

You can find more information on the Market comments & information page.

Investing requires a long-term approach. That’s why the best way to achieve your investment goals and increase your wealth is by preparing an investment plan. Your investment plan takes into account your financial situation, investment goals, investment experience and knowledge, your risk and loss tolerance and other personal circumstances. We recommend that you stick to your investment plan, regardless of the market situation. See here why. 

You can find your investment plan in the old Netbank under Savings and investments > My savings > Saving and investment plans. If you don’t have an investment plan yet, you can book an appointment for a free investment advice meeting from the right edge of this page.

Investing requires a long-term approach and therefore the best way to reach your investment target and to increase your wealth is to prepare an investment plan. Your investment plan takes into account your financial situation, investment goals, investment experience and knowledge, risk and loss tolerance and other personal circumstances. Once we’ve understood your situation and needs, we’ll prepare a personalised investment plan for you. You are not obliged to make any investments according to the plan. 

Whether you want to start saving or invest your wealth, we are here for you! You can book a free meeting for investment advice with us on the right-hand side of the screen or find the right solution for you with our digital investment adviser NoraOpens new window.

You can book a free meeting for investment advice with us or find the right solution for you with our digital investment adviser NoraOpens new window. You can also build your own fund portfolio by using our with Portfolio Designer toolOpens new window.

We want to help Finnish people build their wealth and therefore offer investment advice free of charge. You are not obliged to make any investments according to the investment plan. You can book a meeting for investment advice with us on the right-hand side of the screen or find the right solution for you with our digital investment adviser NoraOpens new window.

Saving helps you make your dreams come true and builds financial security. The effects of compound interest will benefit you more and more as the years go by. The sooner you make a savings plan and start saving, the faster you will reach your goals. By saving each month over a longer period of time, you can benefit from times when the markets are falling and are able to buy more units in a fund with your monthly contribution.

Do you need help choosing the fund that best suits your needs? Book a free meeting for investment advice with us or try our digital investment adviser Nora. You can also create a fund portfolio of your own with Portfolio Designer.

You can choose the solution best suited to your needs from Nordea’s wide range of savings and investment options. If you are wondering where to invest, read about your options and investment alternatives here. 

Do you need help choosing the fund that best suits your needs? Book a free meeting for investment advice with us or try our digital investment adviser Nora. You can also create a fund portfolio of your own with Portfolio Designer.

You can get started easily! See how it works.

You can start investing in equities by opening an equity savings account or a book-entry account. 

Read more about differences between an equity savings account and a book-entry account.

To open an equity savings accountOpens new window, go to the Services tab in Nordea Mobile or Netbank and select “Savings and investments”. Then select “Equity savings account”. 

To open a book-entry account, go to Nordea InvestorOpens new window.

After opening the service, you can trade in equities through Nordea Mobile and Netbank, as well as in Nordea InvestorOpens new window.

In Nordea’s online services, you can trade in more than 2,500 different stocks and 20 marketplaces across Europe and North America. We’ve also made it easy for you to track your investments and the markets.

Read more about our trading services.