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Nordea Capital

Nordea Capital is a flexible investment solution that is particularly suited for active long-term investment.

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 Nordea Capital?

Your benefits

  • Access a wide range of investments, such as investment funds, investment baskets and investment bonds, with one agreement.
  • You can transfer your cash to a low-risk insurance account when the markets are volatile or while you consider where to invest next.
  • You can reallocate your investments under the agreement free of charge.
  • The potential return on the investments is not taxed in connection with any reallocation and you do not need to report the changes to the tax authorities. The return is only taxed when you withdraw your money or the agreement expires.
  • You can make additional investments at any time.
  • You can withdraw your money partially or in full at any time.   

Who is Nordea Capital suitable for?

A Nordea Capital agreement is best-suited for an active investor who:

  • has a long investment horizon,
  • intends to invest in several investment instruments under the same agreement,
  • intends to switch between investments, or
  • plans to adjust the allocation of the investment instruments attached to the agreement.

About Nordea Capital

  • The recommended investment period is a minimum of three years. The more precise period is determined based on the investment instruments you choose. 
  • The minimum investment amount is EUR 50.
  • When concluding a Nordea Capital agreement, you will receive a personal recommendation in accordance with your needs on the amounts you should invest and the instruments you should invest in under the agreement.

Investment alternatives

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 (such as Yield 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. 

Yield Baskets

The Yield Baskets are suitable for you if you want our experts to select the investment instruments and manage your investment on your behalf, or if you are looking to invest in real estate as part of a widely diversified investment portfolio. In the Yield Baskets, investments are diversified across government bonds, corporate bonds, equities and real estate.

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

  • Yield Basket aims at achieving a moderate yield,
  • Yield Basket 50 aims at achieving a yield with an average risk, and
  • Yield Basket 75 aims at achieving a yield with a high risk.

Global Baskets

The Global Baskets are a comprehensive investment solution suitable for investors who wish to leave all investment decisions to the professionals and consider sustainability to be an important factor in saving and investment decisions.

Nordea’s Global Baskets come with five different investment profiles, from which you can choose the alternative that best suits your investment targets and risk tolerance. Our portfolio management team will select the investments on your behalf and manage the baskets with the utmost professional skill.

Equity Baskets

Nordea’s Equity Baskets allow you to invest easily in the shares of major Finnish listed companies and to tap into their return potential. The Equity Baskets are suitable for you if:  

  • you are looking to invest in Finnish companies,
  • you track the performance of the Finnish equity market and are aware of the risks involved, and
  • you want to benefit from the performance of the selected Finnish companies.

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 agreement 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 will have access to our extensive selection of Nordea funds. You can choose one or several equity, fixed income or balanced funds and switch between funds depending on the market situation. Further information on the funds is available in the Funds Now service.

Go to the Funds Now service

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.

An Insurance Account is an investment alternative offered by Nordea Life Assurance, and its performance is tied to the interest offered by Nordea Bank on euro-denominated cheque accounts. The account interest rate is the 1-week Euribor less the margin, which is currently 0.4%. According to the currently valid tax legislation, no tax-at-source on interest income is levied on the return generated by savings held in an Insurance Account.

Investment bonds

You can add investment bonds selected by Nordea Life Assurance to your investment agreement during their subscription period. You can read about the investment bonds available at the time in Nordea Netbank.

Prices

Prices

Valid as of 1 September 2020 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 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.

  • Free of charge in Netbank.
  • As a separate order, free of charge 6 times per calendar year, after which a fee of EUR 10 per order will be charged.
Switching savings from one instrument to another
  • Free of charge in Netbank.
  • As a separate order, free of charge 6 times per calendar year, after which a fee of EUR 50 per order will be charged.
  • The transfer fee from unit-linked savings to savings with a guaranteed return is 3% of the amount to be transferred.

Transactions not included in the contract and their pricing can be agreed separately.

Confirmation of pledging
EUR 100
Extra account statementEUR 10
Change of ownerEUR 100
Withdrawal fee

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 chargesThe insurance company is entitled to increase all euro-denominated charges in accordance with a change in the cost-of-living index.
Minimum investment amountEUR 50
Product material

Contact Nordea Customer Service  

Mon-Fri 8.00 - 18.00

0200 70000 (lnc/mcc*)

* local network charge/mobile call charge