OP-Asia Index

OP-Asia Index invests its funds in advanced markets in Asia and the investor's portfolio will thereby get a solid base steadily following global economic prospects. The biggest investments are made on the stock exchanges of Japan, Hong Kong, Australia and Singapore, focusing on large-cap stocks. Since the Asian market does not breathe in the same rhythm as the Western market, OP-Asia Index offers exceptionally great diversification benefits.

OP-Asia Index is the choice of an active investor with a determined view. It suits investors hunting for high returns, but it requires risk tolerance, some understanding of the Asian market as well as willingness to follow the market's events and manage the investment accordingly. Here the portfolio manager's role mainly consists of cost-efficient execution of the fund according to the index. 

As part of overall asset management, OP-Asia Index naturally offers a good way of diversifying anyone's portfolio. Thanks to their low fees and high expected return in the long term, index funds can well complement actively managed funds in the portfolio of, say, a long-term saver or pension saver. OP-Asia Index is recommended primarily in a situation where redemption of units would occur after seven years at the earliest.

OP-Asia Index Fund is a passive index fund whose assets are invested in accordance with the MSCI Pacific ESG Screende Index in equities of the largest listed companies in South-East Asia. This means that the assets of the fund are distributed in the countries and companies constituting the benchmark index in the same proportions as in the benchmark index.

Since the fund strives to replicate the performance of the benchmark index as closely as possible, it will only maintain a small cash position to pay for redemptions. In order to reduce securities transactions resulting from redemptions and subscriptions, the fund may use derivatives instruments in its portfolio management to a limited extent.

Since the assets of the fund are invested in equities of the largest companies by market capitalisation, its investments may be concentrated significantly in certain sectors, such as financials and industrials.

The Fund’s trading costs are relatively low as changes to the portfolio are basically only made in conjunction with index adjustments.

The Fund is a passive index fund. It promotes environmental and social characteristics by using an index based on environmental, social and governance (ESG) analysis while excluding certain investments. 

Negative screening: As the Fund is a passive index fund, the Fund manager cannot make individual exclusion decisions. The Fund is based on an index which excludes companies with connections to the production of controversial weapons. The index also excludes companies which have violated international standards (UN Global Compact and OECD guidelines for multinationals) and companies which have committed very severe ESG violations.

Use of ESG data in the investment analysis: The benchmark index considers companies’ ESG rating and emphasises companies with better ESG ratings.

Shareholders’ meetings: The Fund votes in shareholders’ meetings through a service provider in line with OP Fund Management Company Ltd’s shareholder engagement principles that take responsibility aspects into account.

Assessing good governance: The Fund is based on the MSCI ESG Universal Index, using both the MSCI ESG Rating and the MSCI ESG Rating Trend data and gives weight to those companies with better ratings. The level of corporate governance is included in the ESG Rating.

As our owner-customer, saving and investing is especially worthwhile thanks to the excellent benefits you receive.

Your benefits when investing in funds:

• Buy and sell almost all OP mutual funds with no fees.*
• You earn 0.35% OP bonuses from mutual fund and insurance assets.** 

Your benefits when investing through insurance: 

• Begin saving through insurance free of charge. 
• You will earn 0.35% of OP bonuses from funds linked to insurance assets.***
• Switch between investments, invest additional funds and change your payment and investment plan for OP Unit-linked Insurance and OP Capital Redemption Contract free of charge in our digital services.  

**OP bonuses are used to pay the bank’s service charges and insurance premiums.

***You earn OP bonuses from unit-linked insurance policies, excluding individual unit-linked insurance policies and Individual Capital Redemption Contracts. The principles of contribution towards OP bonuses from funds linked to insurance assets will be harmonised with direct investments. As of 1 January 2025, the following funds linked to insurance assets will no longer contribute towards OP bonuses: third-party funds such as JP Morgan funds, structured loans and institutional class funds such as OP-World III A.

Your benefits in equity and ETF investing:

• Open an equity savings account or book-entry account free of charge.
• You get a discount on equity trading and a 1% fee ceiling when trading in Finnish listed companies through a book-entry account The discounts apply in digital services.
• Get access to free stock picks and analysis.
• Get a discount on the service packages for savers and investors:
  Equity savings account: 
  Saver: €0/month (normally €2.99/month)
  Investor: €9.99/month (normally €14.99/month)
  Book-entry account: 
  Saver: €0/month (normally €2.99/month)
  Investor: €0/month (normally €5.39/month)

Other benefits:

• Only owner-customers can invest in Profit Shares.

Remember to make use of all benefits: