Sijoitusvakuutus apunasi: Viisi vinkkiä vaihteleviin markkinatilanteisiin

1. Keep calm when the market is volatile

When the investment markets turn volatile, many investors become nervous and feel compelled to make quick decisions. In moments like these, it’s important to remember the basic principles of investing. “Investing requires a long-term approach, which means you’re bound to experience ups and downs along the way. The main thing is to keep calm and stick to your investment plan,” says Hallberg.

Unit-linked insurance is a good choice for long-term investors because it offers flexible alternatives for various market situations. You can focus on long-term management of your wealth through diversified solutions, use an Insurance Account as a temporary safe haven and, if necessary, react quickly to changes in the market.

“You can’t predict when the market will rise or fall. That’s why it’s key to ensure that your portfolio is sufficiently diversified to meet your targets and your risk appetite,” Hallberg says.

• Tip: Stick to your original investment plan unless your personal circumstances and your investment goals have changed drastically.

2. Take advantage of the flexibility offered by unit-linked insurance

Unit-linked insurance allows you to switch between investments flexibly if the market situation or your goals change, without any immediate tax consequences. You can change the investments in your unit-linked insurance easily in our insurance self-service or in a meeting with one of our experts. You can switch investments at any time without any costs (excluding the brokerage fees for trading in ETFs).

“But remember, rushed decisions rarely lead to good results. By reacting suddenly to a drop in the value of your existing investments, you might just end up realising your losses, leading to a lower value in any new investments you make,” Hallberg explains.

• Tip: Consider switching investments instead of withdrawing cash from your insurance.

3. Check whether the diversification of your investments matches your goals

Diversification across asset classes is one of the most important decisions for an investor. “It determines the ratio of risk to expected return of your portfolio over the long term,” Hallberg emphasises. 

Unit-linked insurance is a robust tool for diversifying your investments across asset classes and geographical regions because it offers a wide range of Nordea funds, external investment funds, investment baskets, equity baskets and ETFs to choose from. 

Sometimes it might make sense to change your investment allocation, for example in a situation where an equity rally has raised the weight of equities above your target in your portfolio. “With a unit-linked insurance, balancing the allocation of your portfolio to meet your targets is easy,” Hallberg says. 

• Tip: Check the diversification of your portfolio and consider changing the weights of different asset classes.

4. See our diversified solutions

We offer diversified investment solutions managed by Nordea’s investment professionals that can be included in unit-linked insurance. “You can find moderate investment alternatives from our Globe Baskets or Granite Portfolios,” says Hallberg.

You can choose the investment basket that best suits your investment goal and risk appetite, and it comes with broad diversification across different regions and asset classes.

• Tip: Consider investing in already diversified solutions that match your risk appetite and goals.

5. Use an Insurance Account as a safe haven

An Insurance Account is a low-risk alternative that offers a safe place to park your cash when the markets are volatile. “Since it comes with capital protection, it’s a good alternative when an investor wants to exit the equity and fixed income markets for a while or to carefully consider their next investment,” Hallberg explains.

• Tip: Consider using an Insurance Account as a temporary solution if you are worried about short-term market volatility.

Our unit-linked insurance policies are issued by Nordea Life Assurance Finland Ltd, Business ID 0927072-8, for which Nordea Bank Abp acts as an agent.

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. Unit-linked insurance policies are 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.

For more information about our endowment insurance Nordea Vision and our capital redemption contract Nordea Capital, visit the product pages where you will also find product descriptions, terms and conditions and other related documents.