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Nordea Capital

One contract, many possibilities – Flexible, diversified and easy-to-manage unit-linked insurance for long-term saving.

Nordea Capital as well as all product material and customer service related to Nordea Capital is offered only in Finnish or Swedish. The contractual language used is either Finnish or Swedish, and the purpose of the information provided on this website is only to give a general overview of Nordea Capital.

What is Nordea Capital?

Nordea Capital is a unit-linked insurance for long-term saving and investing. It offers a variety of benefits for both experienced investors and those who are getting started with saving.

  • Flexible – You can engage in regular saving or make one-time investments. You can start saving with as little as 50 euros and make additional investments whenever you like.
  • Diversified – You can select the investment alternatives from a wide selection of funds and baskets. You can also choose an Insurance Account as a temporary safe haven for your assets.
  • Cost-efficient – You can change your investment alternatives whenever you like – tax will not be levied on the return until you withdraw funds from your insurance. 
  • Easy taxation – When you decide to enjoy your assets, you can withdraw your savings in one go or in parts. If you prefer to withdraw funds from your contract in the middle of the saving period, we will levy withholding tax for you and credit the net amount to your account.

Will Nordea Capital meet my needs?

Nordea Capital unit-linked insurance is a perfect choice for you if you wish to

  • save or invest in the long term,
  • select multiple investment alternatives for your unit-linked insurance,
  • switch your investment alternatives, or
  • adjust the allocation of the investment alternatives attached to your contract.

About Nordea Capital

  • We recommend a minimum investment period of three years. The more precise period is determined based on the investment alternatives you choose. 
  • When concluding a Nordea Capital contract at an advisory meeting with Nordea Bank Abp, which acts as an agent for Nordea Life Assurance, you will receive a personal recommendation matched to your needs on the amounts you should invest and the alternatives you should invest in under the contract.
  • You can start saving with as little as 50 euros and make additional investments whenever you like.

Investment alternatives

You can choose the investment instruments from Nordea’s extensive selection based on your investment target, your risk tolerance and level of activity.

For example, you can select from Nordea’s funds and investment bonds, as well as from Nordea Life Assurance’s investment baskets, which you can only invest in through Nordea Life Assurance’s products. Investment baskets are not investment funds but investment instruments determined by the insurance company. They are subject to separate rules and the money invested in these baskets is reinvested in other investment instruments such as investment funds, equities, government bonds and corporate bonds. 

Granite Portfolios

The Granite Portfolios are suitable for you if you want our experts to select the investment instruments and manage your investment on your behalf, or if you are looking to invest in real estate as part of a widely diversified investment portfolio. 

You can choose the option that suits your preferred risk level from among five Granite Portfolios with different risk profiles.

  • Granite Portfolio Fixed Income aims to preserve the real value of the capital,
  • Granite Portfolio 30 aims to deliver a moderate return,
  • Granite Portfolio 50 aims to deliver a return with medium risk,
  • Granite Portfolio 75 aims to deliver a return with high risk, and
  • Granite Portfolio 90 aims to deliver a return with very high risk.

Globe Baskets

The Globe Baskets are a comprehensive investment solution suitable for investors who wish to leave all investment decisions to the professionals and consider sustainability to be an important factor in saving and investment decisions.

Nordea’s Globe Baskets come with five different investment profiles, from which you can choose the alternative that best suits your investment targets and risk tolerance. Our portfolio management team will select the investments on your behalf and manage the baskets with the utmost professional skill.

Equity Baskets

Nordea’s Equity Baskets allow you to invest easily in the shares of major Finnish listed companies and to tap into their return potential. The Equity Baskets are suitable for you if:  

  • you are looking to invest in Finnish companies,
  • you track the performance of the Finnish equity market and are aware of the risks involved, and
  • you want to benefit from the performance of the selected Finnish companies.

You can choose from 14 companies listed on the Nasdaq OMX Helsinki exchange, which you can use to build your personal equity portfolio. Every Equity Basket added to your agreement will consist of the shares of one listed company, and the basket’s performance will track the total return on the share in question. The total return consists of the share price performance and the dividend yield.

Nordea funds

You will have access to our extensive selection of Nordea funds. You can choose one or several equity, fixed income or balanced funds and switch between funds depending on the market situation. 

Insurance Account

An Insurance Account is suitable for savers or investors who want to invest their savings with a low risk. It is particularly useful as a temporary place to park your money while searching for a new investment or waiting for market volatility to subside.

An Insurance Account is an investment alternative offered by Nordea Life Assurance, and its performance is tied to the interest offered by Nordea Bank on euro-denominated cheque accounts. The account interest rate is the 1-week Euribor less the margin, which is currently 0.4%. According to the currently valid tax legislation, no tax-at-source on interest income is levied on the return generated by savings held in an Insurance Account.

Investment bonds

You can add investment bonds selected by Nordea Life Assurance to your investment agreement during their subscription period. You can read about the investment bonds available at the time in Nordea Netbank.



Valid as of 1 September 2020 until further notice
Management fee

An annual management fee of 0.40% is charged on unit-linked savings of EUR 100,000 or less, the management fee exceeding this amount being 0.10%. 

The insurance company is entitled to raise the management fee to one per cent maximum.

In addition to the management fee, you will be charged fees for the investment funds, investment baskets and other investment instruments in accordance with their rules.

Change of investment plan

A change of investment plan refers to a change in the allocation of upcoming payments across the available investment instruments.

  • Free of charge in Netbank.
  • As a separate order, free of charge 6 times per calendar year, after which a fee of EUR 10 per order will be charged.
Switching savings from one instrument to another
  • Free of charge in Netbank.
  • As a separate order, free of charge 6 times per calendar year, after which a fee of EUR 50 per order will be charged.
  • The transfer fee from unit-linked savings to savings with a guaranteed return is 3% of the amount to be transferred.

Transactions not included in the contract and their pricing can be agreed separately.

Confirmation of pledging
EUR 50
Extra account statementEUR 10
Change of ownerEUR 100
Withdrawal fee

A withdrawal fee of 1% will be charged on the amount withdrawn when less than 3 years have passed from the start date of the agreement.

The withdrawal fee is not charged on the amount that exceeds the cumulative withdrawal amount of EUR 100,000.

Changes to chargesThe insurance company is entitled to increase all euro-denominated charges in accordance with a change in the cost-of-living index.
Minimum investment amountEUR 50
Product material