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Nordea Capital

One contract – many possibilities. You can invest in various investment alternatives under one contract and switch between investments without having to pay any capital gains tax right away.

Open Nordea Capital contract

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.

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 investments without any costs and tax consequences. You can add and switch investments any time free of charge, for instance when the market situation changes. 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 50 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. 

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 50 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 appointment for an investment meeting or fill in our contact form. 

Investment alternatives

Select the investments that are suitable for you and get a Nordea Capital contract that meets your needs.

Nordea offers you a wide range of investment alternatives, such as funds, investment baskets, government bonds and the Insurance Account. You can see all the investment baskets available for Nordea Capital in our online service. You can see our fund offering in our online service.

When you sign a Nordea Capital contract online, there are two investment baskets available – Globe Basket or Granite Portfolio. Once you have signed the contract, you can freely switch and add investment alternatives based on your interests, risk tolerance and investment targets.

Granite Portfolios

The real-estate investments of Nordea Life Assurance are the foundation of Granite Portfolio investment baskets, offering a better risk/return ratio, generating a steady cash flow through rental income and enabling further diversification in addition to the traditional asset classes. The money invested in the Granite Portfolios is diversified across various asset classes globally. 

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

Globe Baskets

The Globe Baskets are easy and sustainable investment baskets managed by professionals who pay special attention to the environmental, social and governance aspects when selecting investment alternatives. By choosing a Globe Basket that meets your needs, you can positively impact the environment and society. The Globe Baskets offer an excellent asset allocation and great value for money. 

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

Equity Baskets

The Equity Baskets are suitable for you if you are looking to invest in Finnish companies, track the performance of the Finnish equity market and are aware of the risks involved.

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. The total return consists of the share price performance and the dividend yield.

Nordea funds

You can choose one or several equity, fixed income or balanced funds from our wide selection of Nordea funds.

See the funds you can select for your unit-linked insurance

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.

Investment bonds

You can add investment bonds selected by Nordea Life Assurance to your investment agreement during their subscription period. Read more about the currently available investment bonds in our Insurance service.

Frequently asked questions about Nordea Capital

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

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.

As it is possible to select several investment alternatives under one Nordea Capital contract, you can build your personal Capital contract based on your values, risk tolerance and expected return.

  • If you are an experienced active investor and want to actively switch between investments to take advantage of market movements, you can benefit from the many possibilities Nordea Capital offers.
  • If you are a more passive investor or just starting out, you can find suitable investment opportunities by investing in our widely diversified investment baskets, which we manage on your behalf with the utmost professional skill.
Prices
Taxation
Nordea Capital for companies
Product material and issuer

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.

As it is possible to select several investment alternatives under one Nordea Capital contract, you can build your personal Capital contract based on your values, risk tolerance and expected return.

  • If you are an experienced active investor and want to actively switch between investments to take advantage of market movements, you can benefit from the many possibilities Nordea Capital offers.
  • If you are a more passive investor or just starting out, you can find suitable investment opportunities by investing in our widely diversified investment baskets, which we manage on your behalf with the utmost professional skill.

Taxation of a Nordea Capital contract

  • Premium payments made towards the Nordea Capital contract are not tax-deductible. 
  • The investments which determine the performance of the contract can be switched without having to pay any capital gains tax.
  • 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 unit-linked insurance policy expires.
  • If you prefer to withdraw money 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.
  • 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.

Nordea Capital contract in case of death

The Nordea Capital contract does not end at the contract holder’s death but the rights under the contract are assumed by the contract holder’s estate. The Nordea Capital contract will stay in force in the name of the estate either until the end of the agreed contract period or until the money is withdrawn in full. 

Tax information as at 1 January 2022. Taxation may change during the contract period.

Nordea Capital for companies

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.

Product material for other capital redemption contracts

Product material is available in Finnish.

Nordea Capital Private 

Nordea Capital Private Portfolio 

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

Sign a Nordea Capital contract online

Start saving effortlessly and quickly online!

Open Nordea Capital contract

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