Simple and easy solution for becoming an investor
- You can invest starting from EUR 1 in Exchange Traded Funds (ETFs)
- Solution has a simple service fee where you need to pay 0.5% for purchase or selling
- There is no minimum fees and safekeeping fees
- Conclusion of an agreement is free of charge
- You will select the investment amount and we will do the rest
- You can choose to invest regularly or just when you want
- We perform securities transactions on your behalf
How to start using Micro-investments?
- Open an account and sign the agreement
If you are not yet a client of SEB, open an account
- Invest from your investment account to receive taxation benefits
If you want to invest from an investment account, open it here
- Select where to invest
You can choose up to 9 index funds to your investment portfolio. You can cancel an investment order and set-up new one if needed. Check out the selection of securities.
- Choose how much money you wish to invest
You will be requested to enter the amount what to invest and we will do the rest
- Sign a one time or regular investment order
You can invest once or create a regular investment habit. Remember that you can cancel your regular investment at any time if there is a need or create new ones
- Relax, because transactions take place automatically
The investment order in your Micro-investments account will be used to buy new securities on Tuesday between 10.00 and 18.00. Sell orders are executed the same way. If you sell less than all the ETFs you have, the value of the ETFs remaining in the portfolio account must be at least EUR 1 when the sell order is placed.
Where can you invest through Micro-investments?
US companies
The ETF tracks the MSCI USA ESG Screened Index, which is comprised of the largest US companies (such as Microsoft, Apple, Nvidia, etc.). The index does not include companies related to the coal industry, weapons, tobacco and other controversial industries.
Japan companies
The ETF tracks the MSCI Japan ESG Screened Index, which consists of the largest Japanese companies (for example, Toyota, Mitsubishi, Sony, etc.). The index does not include companies related to the coal industry, weapons, tobacco and other controversial industries.
Emerging markets companies
The ETF tracks the MSCI Emerging Markets IMI ESG Screened Index, which is composed of companies of various sizes from 24 countries recognized as emerging markets. The index does not include companies related to coal, weapons, tobacco and other controversial industries.
European companies
The ETF tracks the MSCI Europe ESG Screened Index, which consists of the largest European companies (eg Novo Nordisk, Shell, LVMH). The index does not include companies related to coal, weapons, tobacco and other controversial industries.
Eurozone government bonds
The ETF tracks the FTSE Advanced Climate Risk-Adjusted European Monetary Union Government Bond Index, which includes Eurozone government bonds denominated in euros. Based on the underlying index (FTSE EMU Government Bond), country weights are adjusted to mitigate climate change risks.
High yield corporate bonds
The ETF tracks the Bloomberg MSCI Euro Corporate High Yield Sustainable BB+ SRI Bond Index, which includes high-yield corporate bonds denominated in euros. The index does not include companies related to coal, weapons, tobacco and other controversial industries.
Emerging markets government bonds
The ETF tracks the JP Morgan ESG EMBI Global Diversified (EUR Hedged) index, which covers emerging market government bonds denominated in US dollars. Bonds can have any rating and any maturity. The index ranks bonds based on the social and environmental sustainability of their issuers.
Short term corporate bonds
The ETF tracks the Bloomberg MSCI Euro Corporate ESG BB+ Sustainability SRI 0-3 Year index which tracks Euro denominated corporate bonds. The index consists of ESG (environmental, social and governance) screened corporate bonds.
Corporate bonds
The ETF seeks to track the Bloomberg MSCI Euro Corporate ESG Sustainability SRI index which tracks Euro denominated corporate bonds. The index consists of ESG (environmental, social and governance) screened corporate bonds.
Micro-investments calculator
Why you should invest
into these ETF-s?
All instruments are in EUR so you can easily track the investment performance and not pay any money for the money conversion
Dividends are accumulating, which means that the ETF use dividends to invest automatically within the ETF itself
These ETFs promote, among other characteristics, environmental or social characteristics
Fees
| Criteria | Fee |
|---|---|
| Conclusion of agreement, account opening and termination | Free of charge |
| Buying and selling fee | 0,5% for each transaction |
| Custody/safekeeping fee | Free of charge |
This is not an investment advice, recommendation or offer. Before investing, we urge you to carefully read the documents we provide, familiarise yourself with information materials and fees related to the service. Based on this information, you will be able to decide on your investments.
Please note that every investment decision involves certain risk. The market value of investments may increase as well as decrease; in certain cases, you may lose the invested amount. Past performance and future forecast of investment products’ return do not constitute a promise of their future performance. The return may be impacted of currency fluctuations in case of fund NAV or assets are denominated in other currency than euro.
Please read more about our services, financial instruments, and related risks. The provision of the service is subject to the terms and conditions of the micro-investments agreement therefore, please read them carefully and consult the staff of the bank if you need to.
