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Funds for savers

Funds for savers are the right choice for you if you feel that following the markets and investments is too time-consuming or laborious. The funds for savers include a variety of funds from which you can choose an option that suits your investment horizon and risk tolerance.

Funds for savers

The funds for savers include a variety of funds from which you can choose an option that suits your investment horizon and risk tolerance. The fund with the lowest risk invests solely in fixed income markets, whereas the other four funds invest in both fixed income and equity markets. The portfolio manager manages each fund's assets in accordance with its investment policy and reacts to changes in the markets and the investments' future outlook.

  • The portfolio manager actively monitors the market and executes trades as the market situation changes.
  • The portfolio manager makes sure that the expected return and the suitable risk level are maintained.
  • You can buy and sell fund units at any time.

The funds for savers are managed by Nordea Funds Ltd.

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How do you want to save?

When you save in funds, it is vital to find profitable funds and to allocate your assets into suitable fixed-income and equity funds. Another factor impacting the return and risk in the long term is how the combination of funds is changed according to the varying market situation. 

However, monitoring the markets and continuously rebalancing the investments take a lot of time and usually require some experience. For this reason, we have established the funds for savers. When you have decided what kind of an investment period, expected return and risk level you are aiming at, you can select a fund for savers allocating your savings into equity and fixed-income funds in accordance with your goals. After that, a team of experienced professionals will handle the rest. 

Choose the funds that suits your needs
Min. investment time in yearsA cautious investor, who values security above the potential returnAn investor who appreciates stable returns, but accepts return fluctuationsAn investor who seeks high returns and accepts even heavy return fluctuations
3

Savings Fixed income,
Savings 10

Savings 25Savings 50
6Savings 25Savings 50Savings 75
20Savings 50Savings 75Savings 75

Portfolio manager monitors the market on your behalf

When investing, it is essential that you spread your savings over fixed income and equity markets. This has been taken into consideration in the funds for savers, as each fund's assets are spread over different investments in accordance with its risk and return profile.

Return and risk

The return on a fund is based on the value appreciation and return of the fund's investments.

The biggest advantage funds have is that they are well-diversified, which means that when one asset class, region or sector is performing poorly, another may be enjoying great success.

Investment profile

Investment profile

When investing, it is essential that you spread your savings over fixed income and equity markets. This has been taken into consideration in the funds for savers, as each fund's assets are spread over different investments in accordance with its risk and return profile.

Funds for savers are funds of funds investing in Nordea's other funds. Through the funds for savers the investor can get access to Nordea's entire range of funds at a low cost.

The five funds for savers all have clearly differing risk profiles, return targets and investment policies. Choose the suitable fund based on your targets.

In the long term, market conditions will change. The funds' portfolio managers will consider on your behalf when is the best time to switch from one fixed income asset class to another or, when talking about equity investments, from one sector or continent to another.

  • Savings Fixed Income: fund investing in bonds
  • Savings 10: balanced fund focusing on fixed income instruments
  • Savings 25: balanced fund focusing on fixed income instruments
  • Savings 50: balanced fund
  • Savings 75: balanced fund focusing on equities

The funds for savers are managed by Nordea Funds Ltd.

Return and risk
Prices
Rules and brochures

Prices

A subscription fee is charged on a subscription (purchase) for fund units and a redemption fee on a redemption (sale) of fund units. You can subscribe for fund units for a reduced fee via Netbank.

Each fund pays the fund management company a management fee, which covers such fund management costs as value calculation, accounting and reporting.

The amount of the management fee is given as an annual fee. The management fee is deducted in the calculation of the daily net asset value per fund unit, and is thus not charged separately. The fee includes a custody fee for fund units.

No subscription fees will be charged from Nordea's Check-in Customers who save regularly in Nordea funds in accordance with a fund savings agreement concluded at a branch or via Netbank.

More information in the Funds Now service

You can view the fees for each fund in the Funds Now service.