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.
One contract, many possibilities – Flexible, diversified and easy-to-manage unit-linked insurance for long-term saving.
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.
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.
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.
|Switching savings from one instrument to another|
Transactions not included in the contract and their pricing can be agreed separately.
|Confirmation of pledging
|Extra account statement||EUR 10|
|Change of owner||EUR 100|
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 charges||The insurance company is entitled to increase all euro-denominated charges in accordance with a change in the cost-of-living index.|
|Minimum investment amount||EUR 50|