Efficient and flexible

Switch investments easily without having to pay any capital gains tax immediately and benefit from the effect of compounding.

Several options

Select one or more investment instruments from our wide selection of investment baskets and funds, equity baskets or investment bonds.

Easy to manage

You can sign a contract and manage your investments conveniently online whenever you want.

Nordea Capital is only offered in Finnish and Swedish

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 a capital redemption contract?

Nordea Capital is a capital redemption plan, also known as a unit-linked insurance product, without an insured person. A capital redemption contract is suitable for long-term savings and investment over a period of at least three years, for instance with retirement or a large-scale dream project in mind. It is also well suited to saving on behalf of a child. You can choose whether to manage your contract actively yourself or whether to select investment baskets managed by our professionals. There are numerous options.

Why choose Nordea Capital?

  • Select one or more investment alternatives under one contract. You can select the investments from a wide range of instruments, including investment funds and baskets. You only get access to the investment baskets through unit-linked insurance.
  • Switch between investments without having to pay taxes – you can add and switch investments at any time, for instance when the market situation changes. This allows you to take full advantage of the effect of compound interest. You only pay taxes on the return when you withdraw your money.  
  • If your circumstances change, you are free to make changes. You can change your savings amount, make additional investments and withdraw funds along the way, if necessary. You can make these changes easily in our online service.
  • Save in a way that suits you. You can save regularly or make a larger one-time investment. You can get started with as little as 10 euros.
  • An easy way to start saving. Whether you want to buy your insurance online yourself or speak one-to-one with our specialists, we have made it easy for you.

Discounted price for under 30-year-olds

If you’re under 30 years old, we have a great offer for you! You can get a 50% discount on Nordea Capital management fees for savings up to 100,000 euros.

What kind of saving and investment is Nordea Capital suitable for?

Whether you are an experienced investor or just starting out, Nordea Capital is suitable for various types of saving and investment. The common factor in all of them is a long saving period of at least three years. The recommended investment horizon depends on the investment alternatives you select.

Nordea Capital is particularly well suited to 

  • regular monthly saving
  • preparing for retirement
  • saving for your children or grandchildren
  • growing your wealth 
  • financing a sabbatical or preparing for big purchases.

You can build up your capital redemption contract according to your own values, your risk tolerance and your expectations for return on investment.

  • If you are an experienced, active investor and wish to profit from market fluctuations by switching investment assets as required, you may benefit from the multiple opportunities facilitated by Nordea Capital.
  • For passive and beginning investors, there are many suitable products such as the widely distributed investment baskets that are managed professionally on behalf of customers.

Sign a contract effortlessly online

When you want to start saving effortlessly and quickly and don’t need investment advice, you can sign a Nordea Capital contract in Nordea Mobile or Nordea Netbank. 

  1. Read more about the features of Nordea Capital and ensure that you have sufficient knowledge and experience to sign the contract.
  2. Select the investment basket that suits you. You can choose either a Globe Basket or a Granite Portfolio, both with four different risk profiles. You can compare the expected return of different risk profiles and select the best option for you. 
  3. Select the investment amount. You can get started with as little as 10 euros a month.

Once you have signed the contract, you can freely switch and add investments from our wide range of investment alternatives.

Sign a contract with the help of our specialist

Our specialists are here to help if you want a personal recommendation on the amounts you should invest and the alternatives you should invest in under the Nordea Capital contract. 

You can book an appointmentOpens new window for an investment meeting. 

How to take out a unit-linked insurance policy for your child

  1. If your child doesn’t yet have an account with us, please open one before meeting with us.
  2. Does your child have other guardians? As a rule, guardians manage their child’s banking together. With a power of attorney, one guardian can also manage a child’s banking alone.
  3. Book a meeting with us for investment advice. It’s completely free of charge and can be arranged either in-branch or online. At the meeting, which will take about an hour, we will discuss saving for your child and investing the savings and help you choose the options that will suit you the best. You will not commit to anything by meeting with us.
Investment objects
Fees
Taxation
Nordea Capital for a child
Nordea Capital for companies
Product material and issuer

Investment alternatives

We offer a broad range of funds and investment baskets to suit your values and areas of interest. You can also choose from our selection of exchange-traded funds (ETFs), and you can opt for an Insurance Account to protect your savings when the markets are volatile.

Investment baskets

Our investment baskets are unique investment alternatives specifically created for unit-linked insurance.

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

The Globe Baskets promote environmental or social responsibility aspects, 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 Nordea’s wide selection. 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 our selection of exchange-traded funds, or ETFs. Through your unit-linked insurance, you can 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 may choose from 14 companies traded on the NASDAQ OMX Helsinki Exchange to build up your portfolio. Each Equity Basket included in your agreement contains shares in one publicly traded company, and their value follows the overall yield of those shares. See the entire range of investment baskets in the Investment Basket Values service (in Finnish).

Insurance Account

The low-risk Insurance Account is suitable as a temporary place to hold your money while you search for investments to make or as a safe haven for your investments at a time of market turmoil.

Nordea Capital for a child

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

Sign a Nordea Capital contract online

Start saving effortlessly and quickly online!

Open Nordea Capital contract Opens new window

Sign a Nordea Capital contract with the help of our specialist

If you want investment advice, book a meeting with us. We are happy to help!

Book a meeting Opens new window

Frequently asked questions about Nordea Capital

Discover also our Nordea Vision endowment insurance

Are you interested in inheritance planning? Read about our Nordea Vision endowment insurance, which is a flexible solution for long-term saving and investing and for passing on your wealth to your next of kin.

Discover Nordea Vision endowment insurance

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