OP-Moderate Fund

A fund with better return potential without any major risks

  • Investing in mutual funds pays off

    OP-Moderate Fund offers a convenient solution for an investor who is interested in returns but not in following the stock market closely.

  • Well-balanced fund

    A balanced asset mix with stocks increasing the growth potential and fixed-income instruments offering protection.

  • Take advantage of owner-customer benefits

    As our owner-customer, you can buy, sell and switch OP-Moderate Fund units at no charge.  

Investing is easy – our portfolio manager does it for you

OP-Moderate Fund is one of the three fund alternatives OP suggests for passive investors. As typical for balanced funds, OP-Moderate Fund comprises both stocks generating returns during an upswing and fixed-income investments providing protection during a downswing. A portfolio management professional changes the fund's equity weighting for the fund investor. The investments are diversified broadly geographically as well as across advanced and emerging markets.

OP-Moderate offers the benefits of wide diversification also for a retail investor.

A fund for those who seek a moderate return

OP-Moderate Fund suits investors seeking reasonable capital appreciation who can tolerate a slightly higher risk level in exchange for higher returns. In the case of OP-Moderate Fund, the risk level is between those of fixed-income investments and equity investments. OP-Moderate is best suited to a passive investor who intends to redeem his/her units after 3 to 4 years at the earliest. The fund is suitable, for example, for someone planning to buy a car or renovate their kitchen.

 

OP-Moderate

+15,54 %

year

(3)

Risk level
3

morningstar™

ESG
Online fees and charges
Subscription fee Annual management fee Redemption fee
0,00 % 1,25 % 0,50 %

No subscription fee will be charged for fund subscriptions. Fund units generate OP bonuses.

Investment policy

OP-Moderate Fund is a balanced fund investing its assets in the global fixed-income and equity markets. In the base scenario, the fund invests 50% of its assets in the fixed-income markets and 50% in the equity markets. The proportion of fixed-income investments may range between 30–70 % and equity investments between 30–70 %. The fund’s investments are primarily made through other funds.The fund may use derivatives instruments in its investment activities to hedge against market fluctuations, to replace direct investments and to otherwise promote efficient portfolio management. Primarily derivatives are used in equity and interest-rate risk management. The Fund diversifies its investments on a broad basis among various companies and bonds, since the investments are mainly implemented using funds.

The Fund promotes environmental and social characteristics and, to ensure it, uses environmental, social and governance (ESG) analysis and excludes certain investments. For more information about the ESG methods used, see the fund prospectus. The “do no significant harm” principle applies only to those investments underlying the fund that take into account the EU criteria for environmentally sustainable economic activities. The investments underlying the remaining portion of this fund do not take into account the EU criteria for environmentally sustainable economic activities.

The Fund’s benchmark index is a combination of several indexes. The composition of the benchmark index is described in the fund prospectus. With active investing, the Fund seeks to outperform its benchmark index in the long term. The Fund mainly takes notable active risk and it may differ significantly from the composition, weights and risk level of the benchmark index

Portfolio manager's review
Read the portfolio manager's review on the fund's Finnish pages.
Responsibility of the fund

Read more about fund’s responsibility on the fund’s Finnish pages.

More details Basic data, performance and fact figures

Basic data

Fund manager
Ville Pekkala
Benchmark index
Composite benchmark, see the fund Prospectus for details.
Start date
08.03.2012
ISIN
FI4000036108
fund serie
Accumulation unit
Fund size
2540 Meur
Serie value (20.11.)
166,01 EUR
Monthly review
Download
Key Information Document
Download
Rules
Download
Sustainability data
Download

Accumulated profit (19.11)

1mth 3mth 6mth 1 y 3 y p.a. 5 y p.a.
OP-Moderate A +0,21 % +3,44 % +5,13 % +15,54 % +1,48 % +4,08 %
Benchmark +0,29 % +3,76 % +6,14 % +17,44 % +3,17 % +6,03 %

Yearly performance

2019 2020 2021 2022 2023 YTD
OP-Moderate A +14,44 % +3,27 % +10,85 % −12,84 % +9,60 % +10,48 %
Benchmark +16,90 % +6,85 % +12,05 % −12,92 % +13,18 % +12,30 %

Key figures

Volatility 12 m vola 12m Sharpe 12 m Duration
OP-Moderate A 6,00 % - -
Benchmark index - - -
Owner-customers’ saving and investing benefits

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:

*Standard fees are charged for the following special common funds: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield, OP-Alternative Portfolio and OP-Private Equity.

The fund's other unit classes
Income unit generating annual cash flow, suitable for foundations

This is an advertisement. The funds are managed by OP Fund Management Company Ltd. The portfolio manager is the portfolio management company specified in the fund prospectus for OP funds. Investments always involve risks. The value of investments can rise and fall, and the investor may lose part of or all the invested funds. Past performance is no guarantee of potential future yield. The larger the fund’s expenses, the greater the impact on the expected return on the investment. Any yield also depends on taxation, which in turn varies depending on the investor’s personal circumstances and is subject to future changes. If the fund is marketed outside Finland, OP Fund Management Company Ltd may decide to end such marketing. The information presented on this page does not fully describe all the fund’s characteristics.

Before making an investment decision, take all the characteristics or objectives of the fund into consideration, as described in the fund prospectus for OP funds and other documents related to the fund. Only make your final investment decision after reading the fund prospectus for OP funds and the key investor information document and rules of the fund. These documents can be found on the web page of the respective fund. The fund prospectus and the summary of investors’ rights in mutual funds are available at op.fi in Finnish, Swedish and English.