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Investing in funds

Everybody can be an investor

It is easy to start:

  • You can easily make investments from 1 EUR
  • Transactions with Swedbank funds and safekeeping - free of charge
  • Just choose a fund suitable for you and the investment decisions will be made by professional investment managers
  • You can invest in the funds of Swedbank Robur - one of the largest Scandinavian asset managers
  • Choose Swedbank funds, which invest in sustainable companies, for a greener future

Investing in funds is easy.

  • It takes only a few steps to become an investor
  • You can get recommendations from us according to your investment profile
  • Possibility to start by investing regularly from 1 EUR
Invest regularly
  • Find a fund that suits your needs
  • Choose one of the investment options, and the amount and period of investment

New! We have 16 new Swedbank Robur funds:

  • Different regions, sectors, investment management types
  • Low management fees from 0.2%
  • High sustainability investment standards
Robur fundsBuy funds
  • Investing in funds gives you a possibility to earn a higher return as compared to keeping money in your cash account or in term deposits*
  • 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
  • Contribute to a greener future by investing in sustainable funds
Apply for consultation

Regular investment – if you want to try investing in financial instruments, you can start by investing small amounts and investing them regularly. You can even begin with 1 EUR.

Lump-sum investment – if you already have spare money accumulated that you want to invest in financial instruments then you can invest in lump-sum whenever and in the amount you desire.

* 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.

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. You can select monthly, weekly or quarterly for your regular contributions to the regular investments. Enter the amount of your lump-sum investment. 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 
Invest regularly

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 Investment Profile questionnaire or sign up for an investment consultation.
  2. Before your first investment, you need to open securities account. We also suggest you to open investment account for more convenient income tax declaration.
  3. Why do you need securities account?

    • You can make investments in various financial instruments, such as funds, equities, bonds etc.
    • Without investment account it is not possible to invest into such instruments.
    • It is possible to make securities transfers or receive securities from third parties or family members.
    • In Swedbank you will benefit from free of charge safekeeping for portfolios of up to 30 000 EUR.
    More about securities account

    Why to open investment account?

    • Investment account is separate account where you can deposit your money that will be used for investments in various financial instruments, such as funds, equities, bonds etc.
    • No worries about declaring the earned income or loss and paying the income tax after each sales transaction.
    • Easy to declare annually as you can send the investment account annual report from the internet banking to the Tax and Customs Board with few clicks.
    • A possibility to make transfers to your investment account with another bank.
    • Opening and keeping an investment account is free of charge.
    More about investment account
  4. Select the funds recommended in the Investment Profile questionnaire or other funds from the list of Swedbank funds.
  5. Submit order:

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

Every euro invested in Swedbank Robur funds has a positive impact on the surrounding environment.

Swedbank Robur funds contribute to a greener future through:

Supporting producers of renewable energy Encouraging companies to recycle raw materials Urging minimizing water pollution Promoting investing in medical research and development Prompting companies to respect the human and labour rights

Check the list of Robur funds:

Swedbank Savings Fund 10 Swedbank Savings Fund 30 Swedbank Savings Fund 60 Swedbank Savings Fund 100 Swedbank Robur Access Asia Swedbank Robur Access Edge Emerging Markets Swedbank Robur Access Edge Japan Swedbank Robur Access Edge USA Swedbank Robur Access Edge Global Swedbank Robur Access Edge Europe Swedbank Robur Access Edge Sweden Swedbank Robur Real Estate Swedbank Robur Technology Swedbank Robur Medica Swedbank Robur Global High Dividend Swedbank Robur Global Impact

When investing to funds, taxes need to be declared and paid by investors on their own. The tax payment procedure depends on selected account type.

  • No worries about declaring the earned income or loss and paying the income tax after each sales transaction.
  • Easy to declare as you can send the investment account annual report from the internet bank to the Tax and Customs Board with few clicks.
  • After each securities sales transaction you need to calculate if loss or income was earned.
  • You yourself need to annually prepare and declare income from capital gain for income tax calculation.
  • 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.

Account opening

Effective as of 08.02.2021
Securities Account
Internet bank free of charge
Branch office 4 €
Joint securities account 65 €

Account closing

 
All securities account types free of charge

Account statements
  • Bank account statements available free of charge from internet bank.
  • Statement fees are subject to 20% VAT.
  • For accounts opened with Estonian register of securities, account opening statement and statements of holdings and transactions for securities registered with the register are available at daily weekly, monthly, quarterly and annual frequency. Periodic statements are available free of charge at Nasdaq CSD Estonian branch Estonia webpage.

 
Bank statements
Securities account statement of holdings / transactions from branch office 2 €
Copy of transaction instruction 2 €
Nasdaq CSD Estonian branch statements 2 €

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, Switzerland, 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.
  • ETF safekeeping fee equals to the safekeeping fee of its trading country.
  • 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.
  • Other investments: Austria, Belgium, Canada, Estonia, France, Germany, Ireland, Italy, Latvia, Lithuania, Netherlands, Portugal, Spain, Switzerland, UK, USA, Depositary Receipts, Poland, Czech, Hungary, Bulgaria, Serbia, Russia, foreign funds

 
Swedbank Group funds free of charge
Other investments, equities, bonds
Up to 30 000 € free of charge
From the value above 30 000 € 0,008%, max 8 €

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

Private Portfolio is for people who appreciate their time and convenience in making investments.

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

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