Investing in Funds
Investment funds provide various possibilities to choose the most suitable type of investment or savings for everyone. Opt for stable return and balanced risk, or higher risk and chance to earn more. Purpose of the investment funds is to help save and increase the assets of their holders.
Investment funds are one of the most popular forms of investment, where professionals invest and manage the cash accumulated by many investors in accordance with the investment strategy created by each fund.
Nordea is the largest financial services group in Northern Europe managing the assets of EUR 262 billion and providing the opportunity to invest in more than 60 funds, including equity, bond, mixed-asset, money market funds, and funds of funds.
You can also start investing by choosing one of the five investment fund portfolios created by Nordea: Conservative, Moderate, Balanced, Progressive, or Aggressive. Those portfolios differ by the level of tolerable risk. The higher risk you assume, the higher return from investments you can expect, but you also can incur losses in case of an unfavourable situation on the market.
If you would like to start investing in the investment funds, please stop by Nordea bank for a free consultation. We will introduce you to the investment options and distributed investment funds.
- You can obtain investment funds at any customer service branch or via the internet banking.
- If you do not have a securities account, you can open it free of charge at any customer service branch (please make sure you have your ID document with you).
- Upon logging in to your internet banking, you will be able to purchase, sell, or change your funds.
We recommend investing for at least 3 to 5 years.
How to Sell Funds?
If required, the investment funds can be sold at any time via the internet banking or upon visiting any customer service branch.
Investment risk and return are interdependent factors. In order to gain higher return, you have to assume higher risk. Risk is the price we pay for the opportunity to earn more. Value of investments can decrease as well as increase.
Each investment fund is characterised by a certain risk that should be taken into account prior to starting investing. The customer is responsible for all investment decisions; therefore, prior to making them please take a good look at all related documents, prospects, and risk overviews.
- The investment risk of equity funds is the highest since 100% of cash is invested in company shares.
- Mixed-asset or balanced funds, which invest their assets in equities and bonds, are characterised by the average investment risk.
- Low but not the lowest investment risk is associated with bond funds, which direct the received money for investing in debt securities.
- The lowest investment risk falls on money market funds because they invest the received cash in money market instruments: short-term investment grade bonds, deposits, treasury bills, etc. At the same time, those are the funds with the lowest income.
In order to determine your risk tolerance level, please fill in the questionnaire, which will help to determine your needs and expectations, at any Nordea bank customer service branch or via the internet banking.
Periodically updated selection of funds that in the current situation in financial markets should suit well to complement other investment products in the portfolio.
Yield with effective risk control
- Sub-managed by Los Angeles-based DoubleLine Capital LP, one of the largest, most experienced team in the world ensures the viability and uniqueness of the investment strategy.
- The fund’s objective is to invest in securities that will outperform the market independently of the interest rate environment.
- Additional benefit from USD appreciation for EUR based investors.
- 4 star rated fund by Morningstar.
Material presented on this webpage is intended as general information on the funds offered by Nordea. In Nordea’s opinion, considering current situation in the financial markets, clients could study given funds to evaluate their suitability and compliance with their investment goals and financial capabilities and as a result suitability to their investment portfolio. We want to stress that publication of investment fund information on this webpage is not investment advice and should not be used as a basis for investment decisions. Before making investment decision client should in any case study the terms and conditions of the respective product and evaluate the suitability of the particular fund to the client’s investment portfolio.
Five model portfolios optimized for maximum expected return at a given risk level prepared using academic researches, extensive knowledge and experience based on Forward-looking estimates of asset classes’ risk and return.
- Aggressive portfolio is suitable for investors whose main objective is high expected return and can tolerate large fluctuations in the portfolio value over time including negative portfolio return not only for a short period of time but also for longer periods. Therefore it is understandable that time is needed for high average return to materialize into clear accumulation of wealth; i.e. a long investment horizon is essential condition.
The information about investment services provided by Nordea and available in this website is of promotional nature. This information cannot be interpreted as a recommendation, instruction or an invitation to buy concrete financial instruments or to sell them and cannot be the basis or a part of any agreement made thereafter. Although this information was prepared on the grounds of sources that are considered to be reliable, Nordea is not responsible for any inaccuracies or losses suffered by investors who made use of that information. Information related to taxation is subject to change in the future and it may not suit you. The investment return is related to risks: the value of investments during the investment period can both decrease and increase. If the return earlier was positive, it may not be the same in the future. In some cases losses can exceed the value of initial investment. If you invest in financial instruments in foreign currency, the changes of the exchange rate can influence the investment return. You are responsible for your investment decisions; therefore, before making a decision you should get acquainted with all documents, prospects of funds and other prospects of financial instruments, The review of risks of investment into financial istruments, and information available on website: www.nordea.lt.
|Service||Bronze customers, €||Silver and Check-in package customers, €||Gold customers, €|
|Subscription fee and regular investment fee||1.00 %|
|Redemption fee||1.00 %, min. 1.00 €|
|Subscription fee and regular investment fee||0.40 %|
|Redemption fee||0.50 %, min. 1.00 €|
|Subscription fee and regular investment fee||0.20 %|
|Redemption fee||0.25 %, min. 1.00 €|
|Nordea Funds of Funds, SICAV Investment funds|
|Subscription fee and regular investment fee||1.00 %|
|Redemption fee||0.50 % min. 1.00 €|
|Switch between Nordea 1 and Nordea Funds of Funds, SICAV investment funds|
|Switch fee||3.20 € per transaction|
|Types of sub-funds||Annual management fee in % debited every day from the value of assets managed in a sub-fund|
|Absolute return sub-funds||1,2%–1,5%|
|Money market sub-funds||0,035%|
Bank’s Additional Fee
Bank receives remuneration from fund management company for distributed investment funds. The amount of remuneration depends on the total value of distributed investment funds units after taxes. Customers may be provided with more detailed information on the bank’s remuneration personally upon submitting a written application at the bank’s branch during its office hours.
There are no contingent and safekeeping fees.