Investment 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

When your investments grow, with interest or return, you start making money on both: your original amount invested and the current interest/return. This is called compound effect and it helps your investments grow exponentially in the long term.

Invest regularly
Reach goal by investing

Enter the amount of regular contributions for the payment frequency selected.

EUR

You can select monthly, weekly or quarterly for your regular contributions to the regular investments.

EUR

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.

{ "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 } }

You have invested Total value of payments made into your investments.
6 000 EUR
Interest earned Estimated earned return from payments, which have been made during investment period.
0 EUR
Value after 10 years Estimated value of savings calculated with estimated earning rates, period and amount of contributions, which you have defined. Actual value of saving depends on actual investment performance of assets, which is not guaranteed.
6 000 EUR

Calculation and assumptions

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 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 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

Select the funds you want to invest in from Investment funds list
Decide on the frequency of your investments:
- regular investments from 1 EUR
- a lump-sum investment in the amount you prefer
Place an order for buying fund units. Before the purchase of fund units you will be asked to open an investment account or securities account if you do not yet have an account opened for making investments.

If you need advice, fill out the Investment profile questionnaire or sign up for an investment consultation.

In the investment account, you can deposit your own money and make investments in various financial instruments, such as investment funds, equities, bonds etc.
No worries about declaring the earned income or paying the income tax after each sales transaction. Further information is available here.
A possibility to make transfers to your investment account at another bank.
To make filling out the annual tax return convenient and simple, the investment account statement can be prepared on the Internet Banking site.

What are the limitations of an investment account?

Cannot make securities transfers or receive securities from third parties or family members.

See further information about the investment account here.

For most customers, the investment account is the most suitable solution for more convenient income tax declaration.
Securities account could be a better option if you plan to make securities transfers or receive securities from third parties and family members.

What are the limitations of a securities account?

After each securities sales transaction that results in profit, you need to perform income declaration and tax calculation. Further information is available here.
Need to prepare information for declaration on income from capital gain on your own using the securities account statement.

Further information about securities account available here.

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: 2 out of 7
Ongoing charges: 0.71%

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%

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

Risk and reward profile: 3 out of 7
Ongoing charges: 1.01%

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

Risk and reward profile: 4 out of 7
Ongoing charges: 1.21%

Investments in various industries in Asia excluding Japan.

Risk and reward profile: 4 out of 7
Ongoing charges: 0.2%

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

Risk and reward profile: 4 out of 7
Ongoing charges: 0.51%

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

Risk and reward profile: 4 out of 7
Ongoing charges: 0.22%

Investments in USA – the world’s largest economy.

Risk level: 5 out of 7
Annual fee: 0.3%

Investments in companies globally in various industries.

Risk and reward profile: 4 out of 7
Ongoing charges: 0.3%

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

Risk and reward profile: 4 out of 7
Ongoing charges: 0.3%

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

Risk and reward profile: 5 out of 7
Ongoing charges: 0.3%

Investments in real estate related companies globally.

Risk and reward profile: 4 out of 7
Ongoing charges: 1.26%

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

Risk and reward profile: 5 out of 7
Ongoing charges: 1.25%

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

Risk and reward profile: 4 out of 7
Ongoing charges: 1.26%

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

Risk and reward profile: 4 out of 7
Ongoing charges: 1.03%

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

Risk and reward profile: 4 out of 7
Ongoing charges: 0.71%

Investments in high quality European companies debt securities.

Risk and reward profile: 2 out of 7
Ongoing charges: 0.6%

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

Risk and reward profile: 3 out of 7
Ongoing charges: 0.81%

Investments in corporate bonds with high credit quality issued by Nordic companies.

Risk and reward profile: 2 out of 7
Ongoing charges: 0.3%

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.

When in investing in funds, taxes are payable by investors on their own in Latvia in accordance with the Law on Personal Income Tax. The tax payment procedure depends on selected account type.

No worries about declaring the earned income or paying the income tax after each sales transaction. Further details available here.
To make filling out the annual tax return convenient and simple, the investment account statement can be prepared on the Internet Banking site.

After each securities sales transaction that results in profit, you need to perform income declaration and tax calculation. Further details available here.
Need to prepare information for declaration on income from capital gain on your own using the securities account statement.

Fund orders submitted to the Bank cannot be cancelled.
Fee for fund switch transactions charged only on delivery side.
Fund switch subject to the conditions specified in the fund terms.

Service	Price, EUR
Receiving
Opening of securities account	See Securities account
Securities account statements	See Securities account
Subscription, redemption and switch of investment fund units options Fund orders submitted to the Bank cannot be cancelled. Fee for fund switch transactions charged only on delivery side. Fund switch subject to the conditions specified in the fund terms.
Subscription	Bond	Equity and balanced
Swedbank Group funds	Free of charge	Free of charge
Regular automatic investment
Swedbank Group funds	Free of charge	Free of charge
Redemption / switch
Swedbank Group funds	Free of charge	Free of charge
Monthly Funds Safekeeping Fees
Swedbank Group funds	Free of charge
Closing
Closing of securities account	See Securities account

Effective from 09.12.2019

Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market.
Maintenance fee of an owner account is charged in addition to monthly securities safekeeping fee. Owner account is an account in the name of the Client opened at Nasdaq CSD SE and used only on behalf of the specific Client.
Owner account at Nasdaq CSD SE may be opened only at the branch office.

Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the 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 cash 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 fees.

Effective from 01.04.2023

Service	Price, EUR
Receiving
Account opening	0,00-4,50 Via Internet Banking - Free of charge At branches - 4.50
Account statements
Statement of holdings	0,00-7,00 Via Internet Banking - Free of charge At branches – 7.00
Statement of transaction	0,00-7,00 Via Internet Banking - Free of charge At branches – 7.00
Monthly Securities Safekeeping Fees options Safekeeping fee is calculated based on the value of the portfolio on the last date of the calendar month. Securities are priced according to the 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 cash 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. Safekeeping of Depositary Receipts (ADR, GDR) is subject to the respective DR Agent’s fees in addition to safekeeping fees.
Swedbank Group funds	Free of charge
Baltic securities	Free of charge
Other investment funds, equities and bonds*
- Up to 100 000 EUR**	Free of charge
- From the value above 100 000 EUR**	0.008%
* Securities registered in Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Netherlands, Norway, Poland, Portugal, Russia, Spain, Sweden, Switzerland, UK, USA and Depositary Receipts (ADR, GDR), Eurobonds. ** Swedbank Group Funds and Baltic securities are excluded from the calculation of the portfolio value for safekeeping fee calculation.
Other countries	Subject to agreement
Other services options Tax relief at source / tax reclaim and general meeting services are subject to availability on each specific market. Maintenance fee of an owner account is charged in addition to monthly securities safekeeping fee. Owner account is an account in the name of the Client opened at Nasdaq CSD SE and used only on behalf of the specific Client. Owner account at Nasdaq CSD SE may be opened only at the branch office.
Owner securities account opening at Nasdaq CSD SE	50.00
Owner securities account monthly account maintenance	50.00
Tax relief at source / tax reclaim	Subject to agreement
Participation in general shareholder’s meeting	Subject to agreement
Closing
All securities account types	Free of charge
Transactions with securities	See Securities and Other Exchange-traded financial instruments
Transactions with investment fund units	See Investment Funds