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Micro Invest

Make investments with everyday card payments!

  • Micro Invest is simple and automated. You can become an investor with just a few clicks.
  • With each card payment You save money from your account and the amount will be invested in Your chosen Robur fund.
  • Enable round-up and start building your Portfolio today.
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All payments with a card or digital wallets. The calculation is based on an assumption that and an average of EUR 0.50 is rounded-up for micro invest with each card payment. 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. { "chart": { "height": 250 }, "xAxis": { "visible": true }, "yAxis": { "visible": true, "title": { "text": "EUR" } }, "plotOptions": { "series": { "marker": { "radius": 0, "states": { "hover": { "radius": 4 } } } } }, "tooltip": { "enabled": true, "shared": true } }
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What is compound effect?

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*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. Read more about equity markets average gross return.

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

The average equity markets return indicated in the calculator is the return of MSCI World from 07.10.2002 to 20.09.2023, rounded to the closest percentage point. MSCI World index is one of the most known broad-based indices in the world; it is composed on roughly 1500 large- and mid-cap companies of 23 developed countries. The average return of MSCI World index for any other period may be different. MSCI World is an equity index, so if your desired product or whole portfolio has less than 100% of equity risk, you should use a proportionally lower rate of return in the calculator for illustrative calculations. Furthermore, since MSCI World is calculated in US dollars, then fluctuation of currency rates may impact the rate of return earned in your base currency.

1. Every time you pay by card

Your purchase amount will be rounded to the nearest euro (3 €).

2. A small amount is set aside from your account

The difference between the purchase amount and the amount rounded to the nearest whole euro (3 € – 2.65 € = 0.35 €).

3. And invested automatically

Once a week, the accumulated amount is automatically invested in the Swedbank Robur fund of your choice.

The more often you pay with your card, the more money you accumulate for Micro Invest. Simple!

  • If you have enabled rounding on payments, you can save money for investment when paying with all your cards.
  • Your purchase amount is rounded to the next whole euro, and the difference is invested. For example, if you pay €2.65 for a purchase, €0.35 is automatically directed to Micro Invest. The amount is always taken from your designated account when you activated micro-investing.
  • All your debit and credit card payments are automatically rounded up.
  • You can enable/disable the rounding option at any time.
  • You can allocate your Micro Invest to one Swedbank Robur fund at a time. You can also change your choice at any time.
  • Transactions with the Robur funds and keeping them in the portfolio are free of charge for you.
  • Allows you to invest consistently with very small amounts without incurring transaction costs. As the fund invests in a wide range of companies, it also helps to diversify risks.
  • Swedbank Robur is one of the largest Scandinavian asset management companies active since 1967.
  • Swedbank Robur is managed by professional investment managers with extensive experience.
  • We offer investment fund solutions covering most of the major regions of the world, sectors and asset classes.
  • Start from here or open the app, go to Services > Investments, Savings > Micro Invest
  • Choose a fund from the funds list
  • Open an investment/a securities account if you haven’t already got one.
  • That’s it! Your micro invest is launched.
  • With the Micro Invest agreement, you can easily open the securities and investment accounts for yourself. The securities account will hold your Robur fund units and the investment account will be similar to a standard bank account that you only use for investments.
  • You can sign an agreement from the age of 18.
  • You can enable/disable the rounding option at any time.
  • In case of deactivation, the money held for Micro Invest will be returned to your account free of charge.
  • You can sell your Robur fund units for free at any time. Normally, the money from the sales transaction will be credited to your account within 2–3 working days.

Note! Investing may involve tax obligations. Read more here.

FAQ

There are various options:

  • Use a simple fund selection tool to find out which fund could match your preferences.
  • Check the list of funds and review what companies, sectors and markets they include.
  • Book a free consultation.
  • Fill in the suitability questionnaire where we assess your knowledge and experience in the field of investments, financial situation, investment goals and sustainability preferences.
 You can view your investments’ results by choosing “Savings, Investments”-> “Overview”-> ”My portfolio” in your internet bank or “My investments” in the mobile app.
  • You can use the rounding option to save in the Easy Saver and engage in Micro Invest.
  • If you have enabled the Easy Saver, it remains active even after you start Micro Invest. In this case, a double amount will be rounded for each purchase. For example, if the purchase amount is 4.5 euros, 0.5 euros will go to the easy saver and 0.5 euros to micro investing.

Activate Micro Invest for the new fund. Once it is done, Micro Invest of the existing fund will be automatically deactivated and the reserved amount released back into your account.

Investing comes with the obligation to declare income. When you started micro-investing, you also opened an investment account. When submitting your tax declaration, you must inform the Tax and Customs Board that this is your investment account. To do this, complete the investment account report, where you declare all deposits and withdrawals. If withdrawals exceed deposits, income tax must be paid on the difference. Don't worry – we will send you detailed instructions about this every year. In the meantime, you can read more about declaring income here.
A convenient way of investing the spare money in a diversified and sustainable manner. For those who want to create an investments’ portfolio on their own. Useful tips, market reviews, experts comments and so much more for those interested in investing! All investment possibilities can be used to save money for children. Start by opening a securities account!
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