Nordea Capital

Find investments that match your goals and risk tolerance in our wide selection. You can diversify your investments across various funds, investment baskets and ETFs. If the market is volatile, you can protect your investments by transferring them to an Insurance Account.

Investment baskets

More than 40 investment baskets offer a variety of options, such as:

Granite Portfolios: Broadly diversified and actively managed, and their risk-return ratio is enhanced through Nordea’s investments in real estate.

Globe Baskets: Promote environmental or social characteristics, offering excellent diversification across asset classes and great value for money.

Our online service has more information about all the investment baskets we offer (in Finnish).

The investment baskets are a mix of investments created by the insurance company. You can only invest in them through unit-linked insurance. The investment baskets have separate rules and they are composed of several different instruments, including investment funds, equities, government bonds and corporate bonds.

Investment funds

Choose the best funds for you from our selection of nearly 400 investment funds. We trust that you will find funds that match your goals and risk tolerance. In our online service, you can read more about the funds that can be included in unit-linked insurance policies (in Finnish).

ETFs

You can choose from 25 exchange-traded funds (ETFs). Through unit-linked insurance, you can also conclude an agreement on monthly saving in ETFs, and you don’t need to worry about any minimum investment amounts. In our online service, you can read more about the ETFs that can be included in unit-linked insurance policies (in Finnish).

Equity Baskets

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 contract will consist of the shares of one listed company, and the basket’s performance will track the total return on the share in question. See the entire range of investment baskets in the Investment Basket Values service (in Finnish).

Insurance Account

The low-risk Insurance Account is particularly useful as a temporary place to park your money while searching for a new investment or waiting for market volatility to subside. Currently, the yield paid on an Insurance Account consists of the 1-week Euribor rate minus costs of 0.4%.

Nordea Capital is a good choice for setting money aside for a child, because its benefits are best realised in the long term. By setting funds aside regularly you can build up a nice nest egg for your child’s future needs. 

• As your child grows and the world changes, you can switch investments within the contract without any tax consequences. 
• Changes in investment assets do not need to be declared on the child’s tax return, and tax will not be assessed until funds are withdrawn from the policy for the child to use.
• Changes to the policy can be made easily online. 

• Children and young adults get a 50% discount on Nordea Capital management fees for savings up to 100,000 euros. This discounted price is valid until you turn 30.

Gift of money to a child

A gift of money is an excellent birthday present, and a well-invested gift will continue to bring joy in the long term.

You can pay funds into a Nordea Capital contract with a simple bank transfer. The new funds will be automatically allocated according to the existing investment plan; all you need to do is to add the funds. 

Godparents, grandparents and other family members can easily donate their gifts to a Nordea Capital contract with the bank details you provide.

Read more about setting up savings for a child.Opens new window

A capital redemption contract is a good long-term saving and investment solution for our corporate customers, too. Read more about the Nordea Capital Corporate contract tailored to companies and associations.

• A capital redemption contract allows you to switch between instruments under your contract without any immediate tax consequences. You don’t need to report any changes to your underlying investments to the tax authorities.
• The return on your investments is only taxed when you withdraw money or when the contract expires. If you prefer to withdraw money in the middle of the saving period, we will levy withholding tax automatically and credit the net amount to your account.
• If you get return on the capital you have invested in the contract, a partial withdrawal always includes taxable return in addition to the capital. The part of the partial withdrawal that corresponds to the share of return is considered taxable capital income when you withdraw funds from your contract. 
• Example: You have invested 10,000 euros in your Nordea Capital contract, and the value of your savings has increased to 12,000 euros during the contract period. When you want to withdraw 1,200 euros, 1,000 euros is considered to be capital and 200 euros to be taxable return subject to capital gains tax.
• Once the contract expires completely, any losses will be deductible, taking into account possible partial surrenders made during the contract period. If the compensations paid from the contract after the deduction of profit are less than the assets invested in the contract, the arising loss is deductible from capital income in the year in which the contract expires.

How capital redemption contracts are treated in an estate inventory

• A capital redemption contract is not considered a life insurance policy in an estate inventory, and no death benefit is paid from a capital redemption contract.
• A capital redemption contract does not expire in the event of the contract holder’s death. Instead, it will be considered part of the estate’s assets. 
• The parties to the estate may choose to keep the contract under the estate’s name, to assign it to one of the parties or to terminate it and withdraw the savings for the estate.

Tax information as at 1 January 2025. Taxation may change during the contract period.

Product material is available in Finnish.

• Terms and conditions of Nordea Capital (in Finnish)pdf - Opens new window
  
• Nordea Capital product description (in Finnish)pdf - Opens new window
• Nordea Capital prices (in Finnish)pdf - Opens new window
• Nordea Capital key information document (in Finnish)pdf - Opens new window

Nordea Capital is a capital redemption contract. Nordea Capital is issued by Nordea Life Assurance Finland Ltd (Business ID 0927072-8). The company is part of the Nordea Group, the leading financial services group in the Nordic countries and Baltic Sea region. Nordea Life Assurance Finland Ltd sells Nordea Capital through its agent Nordea Bank Abp. 

Investments provide the possibility of gaining profits due to capital appreciation, but there is also a risk of a possible decrease in the capital value. Nordea Capital is not covered by the deposit guarantee scheme for bank accounts nor by the Investors’ Compensation Fund. The value of the investments may rise or fall depending on the market situation, and past performance is not a guarantee of future returns. Tax information as at 1 January 2022. Taxation may change during the contract period.

Product material is available in Finnish.

Nordea Capital Private 

• Terms and conditions of Nordea Capital Private (in Finnish)pdf - Opens new window
• Nordea Capital Private product description (in Finnish)pdf - Opens new window
• Nordea Capital Private prices (in Finnish)pdf - Opens new window
• Nordea Capital Private key information document (in Finnish)pdf - Opens new window

Nordea Capital Private Portfolio 

• Terms and conditions of Nordea Capital Private Portfolio (in Finnish)pdf - Opens new window
• Nordea Capital Private Portfolio product description (in Finnish)pdf - Opens new window
• Nordea Capital Private Portfolio prices (in Finnish)pdf - Opens new window
• Nordea Capital Private Portfolio key information document (in Finnish)pdf - Opens new window
• Nordea Capital Private Portfolio investment instruments (in Finnish)pdf - Opens new window

Nordea Target Savings and Nordea Future (not available for new sales)

• Nordea Target Savings prices (in Finnish)
• Nordea Target Savings key information document (in Finnish)pdf - Opens new window
• Nordea Future prices (in Finnish)pdf - Opens new window