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Efficient and flexible

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

Plenty of options

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

Easy to manage

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

Benefits of unit-linked insurance for you

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.

  • A variety of investment opportunities under one contract – select one or more investment instruments from our wide selection of investment baskets and funds, equity baskets or ETFs.
  • Switch your investments without paying taxes in between – 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. 
  • Flexibility to adjust your investments as needed – you can adjust the savings amount, make additional investments and withdraw funds whenever you like. You can make these changes easily in our online service. 
  • Affordable costs – you can switch investments free of charge, except for ETFs, for which the trading costs stated in our tariff will be charged. 
  • A special offer for under 30-year-olds – a 50% discount on the management fee of your unit-linked insurance policy for savings under 100,000 euros.
  • No limit on how much you can invest – save regularly or make a larger one-time investment. You can get started with as little as 10 euros a month and there is no maximum limit.

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 appointment 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.

Find an available time slot and book a meeting

Investment objects
Is unit-linked insurance right for me?
Nordea Capital for a child
Nordea Capital for companies
Fees
Taxation
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.

Who is unit-linked insurance for?

Whether you’re an experienced investor or just starting out with saving, unit-linked insurance is an option worth considering. 

It is particularly well-suited to investors who want to efficiently grow their wealth in the long term and at the same time be able to adjust their investments if their financial situation changes. 

It is a great fit for regular monthly saving, growing your wealth, saving for your child, preparing for larger purchases or pension saving, for instance.

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.

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.

Fees for the Nordea Capital contract

Valid as of 27 January 2025 until further notice
ChargesPrice
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 annual management fee charged on savings made by customers who are under 30 years old is 0.2% up to 100,000 euros and 0.1% for amounts exceeding that.

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.

ETF trading fee0.15% of the transaction amount. A one-off fee charged for adding or switching ETFs or withdrawing the money invested in them. No separate custody fee is charged.
Confirmation of pledging
EUR 50.00
Extra account statementEUR 10.00
Change of ownerEUR 100.00
Changes to fees and 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 amountEUR 10.00

Taxation of the 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 in the event of death

  • Capital redemption contracts are not considered life insurance policies for tax purposes, and no death benefits are paid out of such policies.
  • A capital redemption contract does not expire upon the death of the policyholder; instead, it passes to the estate of the deceased. 
  • The parties to the estate may choose for the estate to retain ownership of the contract, to transfer the contract to the ownership of one of the parties, or to terminate the contract and have the balance paid out to the estate.

Tax information as at 1 January 2023. Taxation may change during the contract period.

Nordea Capital product material and issuer

Product material is available in Finnish.

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 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

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

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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