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Investing in funds

Anyone can be an investor

Easy to start.

  1. You can start investing in any time with amount suitable for you.
  2. Transactions with Swedbank funds and safekeeping - free of charge.
  3. Just choose a suitable fund and the investment decisions will be made by professional investment managers.
  4. You can invest in the funds of Swedbank Robur - one of the largest Scandinavian asset managers.
  5. User-friendly grouping of the funds according to investment risk, region or industry profile will help to choose.

If you have any further question – feel free to sign up for a consultation at a time convenient for you.

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Investing in funds is easy.

  1. It takes only a few steps to become an investor.
  2. You can get recommendations from us according to your investment profile.
  3. You can start investing with amount suitable for you.
Calculate how you could benefit from investing in funds
  • Find a fund that suits your needs.

New! We have 18 new Swedbank Robur funds:

  • Different regions, sectors, investment management types
  • Low management fees from 0.2%
  • High sustainability investment standards
Robur funds
  • Investing in funds allows earning higher yield as compared to keeping money in the company’s current account
  • Swedbank funds are managed by professional investment managers
  • Transactions with Swedbank funds and safekeeping are free of charge
  • Investing into funds gives a possibility to minimize the issuer risk, as investments are done in many different companies
  • Take care of environmentally-friendly future by investing in sustainable funds
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Accumulated spare money which is not invested directly in the business operations does not generate any profit. When your savings grow, with interest or return, you start making money on both: your original saved amount and the actual interest/return. This is called compound effect and it’s very likely to help your savings to grow exponentially in long term.

Enter the amount of regular contributions for the payment frequency selected. The frequency of investments is decided by the company itself. Selected earning rate is used for calculations of the estimated results. Earning rates for this contract are not guaranteed and future cannot be predicted. In order to see the impact of different earning rates to your savings you can enter different rates and calculate the results with more positive and negative scenarios. Enter the period in years – for how long you plan to save or invest.
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  • 6 000 
  • 0 
  • 6 000 

What is compound effect?
If you save 10 000 EUR and return is 10%, the capital will increase with 1000 EUR. If return is 10% even net year, the capital will increase with 1100 EUR since now you had 10 000 EUR of your own savings and 1000 EUR from the return of the first year. In the long run, the compounded-effect can make a big difference.

Important notice about calculator
Purpose of the calculator is to illustrate the return from the investment in a particular time period. Calculator value limits do not refer to maximum or minimum returns in chosen period. Return displayed in the calculator is not guaranteed nor based on real market returns. Fees have not been taken into account. Investing entails risks. Value of any investment may increase or decrease in time. Historic returns do not guarantee similar results in the future.

  1. Fill out the Appropriateness questionnaire or sign up for an investment consultation.
  2. Apply for the LEI code.
  3. Open a securities account. This can be done at any Swedbank branch by booking an appointment in advance.
  4. Place a Fund Purchase Order and enter amount for investment.

Please be aware that investing entails risk. The value of fund investments may increase or decrease over time. The historic yield does not guarantee similar performance in the future.

  • Swedbank Robur is one of the largest Scandinavian asset management companies which has been active since 1967.
  • You can choose investment fund solutions covering most of the major regions of the world, sectors and asset classes.
  • The key objective of Swedbank Robur is to make sustainable investments.
  • Generating a healthy long-term return and encouraging positive development of the environment and the society.
  • Exerting influence on companies to continuously improve in terms of environmental impact and climate change.
  • Refraining from investing in industries that do not support the basic principles of sustainability.
More about sustainability

Check the list of Robur funds:

A low risk strategy that aims to invest 10% in equity funds and 90% in fixed-income funds.

  • Risk and reward profile: 3 out of 7
  • Ongoing charges: 0.71%
  • Sustainable finance: Light Green
Read more

The strategy that aims to protect against inflation by investing around 30% in equity funds and 70% in fixed-income funds.

  • Risk and reward profile: 3 out of 7
  • Ongoing charges: 0.81%
  • Sustainable finance: Light Green
Read more

The strategy that aims to exceed inflation by investing around 60% in equity funds and 40% in fixed-income funds.

  • Risk and reward profile: 5 out of 7
  • Ongoing charges: 1.01%
  • Sustainable finance: Light Green
Read more

The strategy that aims for maximum growth by investing up to 100% in equity funds.

  • Risk and reward profile: 5 out of 7
  • Ongoing charges: 1.21%
  • Sustainable finance: Light Green
Read more

Investments in various industries in Asia excluding Japan.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 0.2%
  • Sustainable finance: Light Green
Read more

Investments globally in the emerging markets countries like Brazil, China, India.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 0.51%
  • Sustainable finance: Light Green
Read more

Investments in Japan - 2nd largest developed economy in the world.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 0.22%
  • Sustainable finance: Light Green
Read more

Investments in USA – the world’s largest economy.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 0.3%
  • Sustainable finance: Light Green
Read more

Investments in companies globally in various industries.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 0.3%
  • Sustainable finance: Light Green
Read more

Investments in Europe - one of the wealthiest regions of the world.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 0.3%
  • Sustainable finance: Light Green
Read more

Investments in Sweden - one of the most competitive economies in the world.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 0.3%
  • Sustainable finance: Light Green
Read more

Investments in real estate related companies globally.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 1.26%
  • Sustainable finance: Light Green
Read more

Investments in technology companies globally, primarily in companies in the IT sector.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 1.25%
  • Sustainable finance: Light Green
Read more

Investments in companies globally that are active in the healthcare industry.

  • Risk and reward profile: 6 out of 7
  • Ongoing charges: 1.26%
  • Sustainable finance: Light Green
Read more

Investments in companies globally that can be expected to provide a high dividend yield.

  • Risk and reward profile: 5 out of 7
  • Ongoing charges: 1.03%
  • Sustainable finance: Light Green
Read more

Investments in companies globally that contribute to meeting the 17 global sustainable development goals of the United Nations.

  • Risk and reward profile: 5 out of 7
  • Ongoing charges: 0.71%
  • Sustainable finance: Dark Green
Read more

Investments in high quality European companies debt securities.

  • Risk and reward profile: 3 out of 7
  • Ongoing charges: 0.6%
  • Sustainable finance: Light Green
Read more

Investments in lower quality European companies debt securities with higher return potential.

  • Risk and reward profile: 4 out of 7
  • Ongoing charges: 0.81%
  • Sustainable finance: Light Green
Read more

Sustainable Finance – the EU Sustainable Finance Action Plan: Through new EU action plans and legal requirements, sustainability will become a regulated area for the financial industry. In March 2018, the European Commission launched an action plan to finance sustainable growth with three main objectives: 1) shift capital flows towards sustainable investments in order to achieve sustainable and inclusive growth; 2) address financial risks arising from climate change, environmental degradation and social issues; 3) increase transparency and improve reporting and promote transparency and long-term sustainability in economic activities.

The Disclosure Regulation means that new requirements will be imposed on the disclosure of sustainability-related information. The purpose of the Regulation is to (1) harmonize requirements for sustainability-related information within the EU; 2) increase transparency and clarity regarding sustainability-related information; 3) increase the attractiveness of sustainable investments.

  • Light Green – the fund promotes environmental and/or social characteristics.
  • Dark Green – the fund has sustainable investments as its goal.
  • Other – the fund is not classified as Light Green or Dark Green.

In case of fund investments, the investors themselves are liable for any applicable taxes according to the Corporate Income Tax Law.

  • Further information on payable and paid charges is available from the Bank.
  • If the Bank is obliged to pay taxes, fees, interest, penalties or incur other costs (that are not covered in the Bank’s price list below) for the provision of securities safekeeping and transaction services to the Client, the Bank shall have the right to debit such amounts from the Client’s Current Account without Client consent.

Trading of equities, bonds and Exchange Traded Fund (ETF) shares
  • Percentage based trading fees calculated from trade amount, in certain cases transaction fee will be added.
  • Trading fee is charged in trading currency based on the Bank’s exchange rates.
  • Trading via brokerage is subject to the Master Agreement for Financial Transactions. Information on the agreement is available from the Bank.
  • Trading orders transmitted to the Bank can be cancelled until executed.
  • In case the order is not executed in full during a single trading day, the trading fee (including minimum trading fee) for partial order execution is charged in full for each trading day when part of the order is executed.
  • On certain markets, minimum transaction amounts may apply.
  • A stamp duty of 0,5% of transaction amount on buying UK securities and 1% on buying Irish securities is added to the transaction charges. In certain events, a higher rate (1,5%), a bonus rate or tax exemption may apply for UK securities.
  • If purchase transactions are subject to FTT according to local market regulations (e.g. France, Italy, Spain), such tax is added to the transaction charges.
  • Exchange traded funds (ETFs) are treated as shares.
  • Trading via Swedbank brokerage on other markets is subject to prior agreement with the Bank.

 
Shares and ETF-s Securities account in internet bank
Estonia, Latvia, Lithuania Free of charge
Sweden, Finland, Denmark, Norway, USA, Germany, UK, Canada, Netherlands, France, Belgium, Ireland, Italy, Portugal, Spain, Switzwerland, Austria, Poland, Hungary, Czech 0,14%, min 9,90 €
Russia 0,30%, min 125 €
Shares and ETF-s Branch office Via brokerage
Estonia 0,2%, min 50 € 0,2%, min 50 €
Latvia 0,2%, min 50 € 0,2%, min 50 €
Lithuania 0,2%, min 50 € 0,2%, min 50 €
Sweden 0,2%, min 50 € 0,2%, min 500 SEK
Finland 0,2%, min 50 € 0,2%, min 50 €
Denmark 0,2%, min 50 € 0,2%, min 400 DKK
Norway 0,2%, min 50 € 0,2%, min 400 NOK
USA 0,2%, min 50 € 0,2%, min 50 USD
Germany 0,2%, min 50 € 0,2%, min 50 €
UK (London SE) 0,2%, min 50 € 0,2%, min 50 GBP
UK London International (Russian and other GDRs) 0,2%, min 50 € 0,2%, min 50 USD
Canada 0,2%, min 50 € 0,2%, min 50 CAD
Netherlands 0,2%, min 50 € 0,2%, min 50 €
France 0,2%, min 50 € 0,2%, min 50 €
Belgium 0,2%, min 50 € 0,2%, min 50 €
Ireland 0,2%, min 50 € 0,2%, min 50 €
Italy 0,2%, min 50 € 0,2%, min 50 €
Portugal 0,2%, min 50 € 0,2%, min 50 €
Spain 0,2%, min 50 € 0,2%, min 50 €
Switzerland 0,2%, min 50 € 0,2%, min 50 CHF
Austria 0,25%, min 50 € 0,25%, min 50 €
Poland 0,25%, min 50 € 0,25%, min 200 PLN
Hungary 0,25%, min 50 € 0,25%, min 15000 HUF
Czech 0,25%, min 50 € 0,25%, min 1300 CZK
Russia 0,3%, min 150 € 0,3%, min 150 USD
Bulgaria 0,6%, min 50 € 0,6%, min 150 BGN
Bonds Internet bank Branch office Via brokerage
Estonia 0,2%, min 3 € - 0,2%, min 50 €
Latvia 0,2%, min 3 € - 0,2%, min 50 €
Lithuania 0,2%, min 3 € - 0,2%, min 50 €
trading in bonds in all other applicable markets via Swedbank brokerage - - 0,5%, min 50 €
transaction fee (all instruments) Included in trading fee Included in trading fee 3€ Baltic markets
4€ other markets

Transactions with investment fund units
  • Percentage based fees calculated from trade amount.
  • Fund orders submitted to the Bank cannot be cancelled.
  • Fund switch subject to the conditions specified in the fund terms, fee charged only on sell transaction.
  • Foreign fund transaction fee includes standard settlement fees charged by the Bank’s Custodians.
  • Other Estonian funds – subscription and redemption fee may be added subject to fund terms.

 
  Subscription Regular investment Redemption Switch
Swedbank Group funds free of charge free of charge free of charge free of charge
Other foreign fixed income funds
Franklin Templeton funds 0,5% + 7 € 0,5%, min 0,75 € 7 € 7 €
funds managed by other management companies 0,5% + 21 € - 21 € 21 €
Other foreign equity and mixed funds
Franklin Templeton funds 1% + 7 € 1%, min 0,75 € 1% + 7 € 7 €
funds managed by other management companies 1% + 21 € - 1% + 21 € 21 €
Other Estonian funds 1,5 € 0,75 € 5 € 5 €
Other transactions with Estonian securities and fund units Fees charged from both parties of the transaction.
free of payment transaction 4,8 €
against payment transaction 3,2 €
pledge registration / amendment / appropriation 15 €
transfer of pledged securities 30 €
pledge release Free of charge

Other transactions with foreign securities and foreign funds
  • Fees charged from both parties of the transaction.
  • Bank internal transactions are transactions between the securities accounts of the Bank’s clients.
  • Transaction fee includes standard settlement fees charged by the Bank’s Custodians.

 
Bank internal transactions 6 €
Bank external transaction
Latvia, Lithuania 10 €
Belgium, Canada, Denmark, Eurobond, Finland, France, Germany, Ireland, Netherlands, Norway, Sweden, UK, USA 15 €
Austria, Czech Republic, Hungary, Italy, Poland, Portugal, Spain, Switzerland 25 €
Bulgaria, Russia 45 €
foreign funds 45 €
Other transaction fees Cancellation is allowed if instruction is not yet processed by the Bank.
transaction cancellation Transaction fee
other transactions based on bailiff’s instructions Transaction fee
subscription to a new issue / Participating in an offer Transaction fee

Monthly Securities Safekeeping Fees
  • Safekeeping fees are subject to 20% VAT. VAT exemption applies if client safekeeps only units or shares of investment funds specified in the Investment Funds Act or investment/ exchange traded funds of the EEA member state.
  • Safekeeping fee is calculated based on the portfolio value on the last date of the calendar month. Securities are priced according to month end prices of the Bank’s local agents, market price or nominal value. Bonds are priced at nominal value. Fees are debited on the 20th or later date of the following month from the Client’s current account linked to the securities account.
  • If Client only holds securities of Estonian, Latvian or Lithuanian companies under liquidation or bankruptcy proceedings according to the Nasdaq CSD, SE data, no safekeeping fee is charged.
  • ETF safekeeping fee equals to the safekeeping fee of its trading country.
  • Estonian investment funds units safekeeping fee equals to the safekeeping fee of Estonian securities.
  • Fee for unlisted Estonian securities applies if Client safekeeps only unlisted Estonian securities on the securities account.
  • Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fee.
  • Safekeeping on other countries is subject to prior agreement with the Bank.

 
Swedbank Group funds Free of charge
Estonia 0,004%, min 8 €, max 500 €
Only Nasdaq CSD registered unlisted securities 5 €
Other countries Safekeeping Fee Monthly Minimum per market
Latvia 0,008% 4 €
Lithuania 0,008% 4 €
Denmark, Finland, Norway, Sweden 0,01% 4 €
Austria, Belgium, Canada, Eurobond, France, Germany, Ireland, Italy, Netherlands, Portugal, Spain, Switzerland, UK, USA, Depositary Receipts 0,01% 4 €
Foreign funds 0,025% 4 €
Poland, Czech, Hungary 0,03% 4 €
Bulgaria, Serbia 0,05% 4 €
Russia 0,07% 32 €

Other Services
  • Fees for other services are subject to 20% VAT.
  • Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market.
  • Maintenance fee is charged in addition to monthly securities safekeeping fee.

Participation in general shareholder’s meeting subject to prior agreement
Tax reclaim subject to prior agreement
Tax relief at source subject to prior agreement

Investing is for everybody.

An investment solution if you want to create a diversified portfolio of securities on your own quickly and simply.

Motivation for the employees, prestige and tax benefits for the company.

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