Mandatum Life Emerging Markets Equity invests in the emerging equity markets and aims of exceeding the benchmark index return in the long run.

The investment basket invests in the European equity markets and aims to exceed the benchmark index return in the long run.

The investment basket invests in the European Small & Mid Cap equity markets and aims to exceed the benchmark index (STOXX Europe Small 200 NTR) in the long run.

Mandatum Life Quality Equity investment basket invests in responsibly and on average to more stable stocks from Europe and United States. The aim of the basket is to exceed the benchmark index with a lower volatility. The benchmark index is a combination of the following indices: STOXX Europe 600 (55 %) and STOXX North America 600 (45 %).

The Mandatum Life Global Brands equity investment basket invests globally in the shares of companies with strong brands, targeting a return that exceeds the benchmark index. The benchmark index is a combination of the following indices: STOXX Global 3000 Consumer Goods NTR (50%) and STOXX Global 3000 Consumer Services NTR (50%).

Mandatum Life Nordic Equity invests in the Nordic stock markets and aims of exceeding the benchmark index return in the long-term.

Mandatum Life Australia Index investment basket invests in iShares ETF that seeks to replicate the Australian stock market as closely as possible by following the MSCI Australia Index.

Mandatum Life Brazil Index investment basket invests in iShares ETF that seeks to replicate the Brazilian stock market as closely as possible by following the MSCI Brazil Index.

Mandatum Life China Index investment basket invests in iShares ETF that seeks to replicate the Chinese stock market as closely as possible by following the MSCI China Index.

Mandatum Life Finland Index investment basket invests in iShares ETF that seeks to replicate the Finnish stock market as closely as possible by following the MSCI Finland Investable Market 25/50 Index.

Mandatum Life Frontier Markets Index investment basket invests in iShares ETF that seeks to replicate the frontier markets as closely as possible by following the MSCI Frontier Markets 100 Index.

ML Future Climate Index investment basket in an ETF that seeks to replicate MSCI World Low Carbon Leaders index. MSCI World Low Carbon Leaders invests in global equity markets emphasizing companies with a small coal footprint.

Mandatum Life India Index investment basket invests in iShares ETF that seeks to replicate the Indian stock market as closely as possible by following the MSCI India Index.

Mandatum Life Indonesia Index investment basket invests in iShares ETF that seeks to replicate the Indonesian stock market as closely as possible by following the MSCI Indonesia Investable Market Index.

Mandatum Life Japan Index investment basket invests in iShares ETF that seeks to replicate the Japanese stock market as closely as possible by following the MSCI Japan Index.

Mandatum Life Latin America Index investment basket invests in iShares ETF that seeks to replicate the stock market of South and Central America as closely as possible by following the MSCI EN 10/40 Index.

Mandatum Life Russia Index investment basket invests in iShares ETF that seeks to replicate the Russian stock market as closely as possible by following the MSCI Russia 25/50 Index.

Mandatum Life USA Index investment basket invests in iShares ETF that seeks to replicate the US stock market as closely as possible by following the S&P 500 Index.

Mandatum Life United Kingdom Index investment basket invests in iShares ETF that seeks to replicate the UK stock market as closely as possible by following the MSCI United Kingdom Index.

The object of the investment basket is to achieve a return which in the long term is higher than the average return of money market instruments without credit risk. The assets in the investment basket may be invested in deposits, money market instruments, bonds, standardized and non-standardized derivatives contracts and mutual fund units.

By investing in the investment basket you gain access to a diversified low-risk investment basket that invests in fixed income markets on a diversified basis. The assets of the investment basket are allocated to deposits, money market instruments, bonds, standardised and non-standardised derivatives contracts and mutual fund units.

ML Money Plus invests in mutual funds whose investment objects consist of widely diversified secured loan portfolios.The credit rating of the investments is at least AA-, which makes the risk of credit losses very low.

ML Convertible invests mainly in European convertible bonds and aims to exceed the benchmark index return in the long-term.

Investment basket's risk level has been modified 6th of October 2014 from 4 (moderately high) to 3 (moderate).

The Mandatum Life Euro High Yield investment basket offers the opportunity to invest diversely in European fixed income investments with a good return potential

The Mandatum Life Nordic High Yield Abs investment basket offers the opportunity to invest diversely in Nordic fixed income investments with a good return potential at a moderate risk level.

Mandatum Life Emerging Markets Bond Index investment basket invests in iShares ETF that seeks to replicate the emerging bond markets as closely as possible by following the Barclays Emerging Markets Local Currency Core Government Bond Index.

Portfolio Management Service Fixed Income represents an option that is weighted fully towards fixed-income instruments and is efficient in terms of its return to risk ratio. The strategic weight of high-risk assets in a basic situation is less than 5 per cent, but may vary between 0 and 10 per cent.

In a basic situation, this option contains safer fixed income investments as well as an average of 25 per cent of higher risk assets. The share of high-risk assets may vary between 0 and 40 per cent.

Portfolio Management Service 50 is designed for an investor who is looking for good return on both fixed income and equity investments, depending on the market situation. In a basic situation, assets are equally distributed between safer fixed income investments and higher risk asset classes so that 50 per cent is allocated in both. The Portfolio Manager regulates the weight of the higher risk assets between 30 and 70 per cent in accordance with his or her view of the market.

In a basic situation, this option contains safer fixed income investments as well as an average of 80 per cent of higher risk assets. The share of high-risk assets may vary between 50 and 100 per cent.

In the basic situation, this return-seeking solution in terms of its return to risk ratio does not include any fixed income investments. The strategic weight of other than fixed income investments is close to 100 per cent in the long run. The weight of asset classes other than fixed income investments can, however, be adjusted between 85 and 125 per cent.

ML pension is an investment basket tailored to the needs of a pension investor. It invests with an asset allocation, which takes into account the long investment horizon. Through ML Pension you gain access to unique investment with Sampo Group. The portfolio takes into account future megatrends such as sustainability.

ML Value Portfolio 11/2018 Moderate provides an opportunity to invest in European stocks responsibly and in accordance with sustainable development. The investment basket contains 100% capital protection.

Investment basket offers an opportunity to invest in growing Asian stock markets with partial capital protection. Target market consists of 4 indices that we consider to provide good yield potential in the next 5 years.

ML Europe Protected 8/2019 is an investment basket for a limited time, which invests to EURO STOXX 50 index. The investment basket contains 95% capital protection.

The investment basket offers an opportunity to invest into European companies with low volatility levels. The investment basket contains 95 % capital protection .

The investment basket offers an opportunity to invest into European companies with low volatility levels. The investment invests into S&P Europe 350® Low Volatility- index with 95 % capital protection .

Investment basket provides a chance to invest into Baltic Sea area's stock markets in a structure where it is beneficial to invest so that underlying assets are in a structure that does not limit the maximum return with a return ceiling, but limits the equity market risk using partial capital protection.

Investment basket provides a chance to invest into Baltic Sea area's stock markets in a structure where it is beneficial to invest so that underlying assets are in a structure that does not limit the maximum return with a return ceiling, but limits the equity market risk using partial capital protection.

Ten globally operating companies Nordic companies have been chosen as target companies. Positive development potetnial is based on their sensitivity for economic fluctuations or company-specific situation. The investment basket contains 95% capital protection.

Sijoituskori tarjoaa mahdollisuuden sijoittaa eurooppalaisiin ESG-kriteerein mitattuna toimialojensa parhaisiin kuuluvien yhtiöiden osakkeisiin osittaisella pääomasuojalla.

Investment basket offers an opportunity to invest in growing Asian stock markets with partial capital protection. Target market consists of 4 indices that we consider to provide good yield potential in the next 5 years.

ML Asian Growth Trio 1/2019 Moderate provides an opportunity to invest in equity markets of economies focusing on international trade. The investment basket contains 90% capital protection.

ML Brand Companies 5/2022 Moderate is a fixed-period investment basket that invests in 15 strong brand companies. The investment basket contains 90% capital protection.

ML Equity Coupon Eurasia 4/2018 is an investment basket that is based on the price development that the South-Korean, Chinese and Russian market provide.

ML Europe Moderate 12/2019 is an investment basket for a limited time, which invests to STOXX Europe 600 index. The investment basket contains 90% capital protection.

The investment basket offers an opportunity to invest into European companies with low volatility levels. The investment invests into S&P Europe 350® Low Volatility- index with 90 % capital protection.

The investment basket offers an opportunity to invest into European companies with low volatility levels. The investment basket contains 90 % capital protection .

The investment basket offers an opportunity to invest into European companies with low volatility levels. The investment invests into S&P Europe 350® Low Volatility- index with 90 % capital protection.

ML Finland Portfolio 4/2022 Moderate is a fixed-period investment basket that invests in eight selected Finnish companies from the main list of Helsinki exchange. The investment basket contains 90% capital protection.

As underlying companies we have selected Finnish companies, which earnings potential is based on their cyclical nature of the company or a special-situation. The investment basket contains 90% capital protection.

ML Finland-Sweden 5/2019 Moderate is a fixed-period investment basket that invests in ten selected Finnish and Swedish companies from the main lists of Helsinki and Stockholm exchanges. The investment basket contains 90% capital protection.

ML Suomi-Ruotsi 10/2021 Turva on määräaikainen sijoituskori, joka sijoittaa valikoidusti kymmeneen Helsingin ja Tukholman pörssien päälistojen yhtiöön. Kohteella on 90% pääomasuoja.

ML Suomi-Ruotsi 12/2021 Turva on määräaikainen sijoituskori, joka sijoittaa valikoidusti kymmeneen Helsingin ja Tukholman pörssien päälistojen yhtiöön. Kohteella on 90% pääomasuoja.

Sijoituskori tarjoaa mahdollisuuden sijoittaa eurooppalaisiin ESG-kriteerein mitattuna toimialojensa parhaisiin kuuluvien yhtiöiden osakkeisiin osittaisella pääomasuojalla.

ML Value Portfolio 11/2018 Aggressive provides an opportunity to invest in European stocks responsibly and in accordance with sustainable development. The investment basket contains 90% capital protection.

ML Asian Growth Trio 1/2019 Aggressive provides an opportunity to invest in equity markets of economies focusing on international trade. The investment basket contains 80% capital protection.

ML Brand Companies 5/2022 Aggressive is a fixed-period investment basket that invests in 15 strong brand companies. The investment basket contains 80% capital protection.

Investor carries the credit risk of 50 European companies and in return receives a return, which is typical for high-yield markets. Possible credit default actions that the underlying asset might face reduces the investment baskets capital and return.

Investment baskets underlined assets have faced credit default actions:

Codere Finance Luxembourg S.A. 17.9.2013

If other underlying assets do not face any credit default actions on the investment period, due on the investment basket is 166.60.

Investor carries the credit risk of seven European companies and in return receives a return, which is typical for high-yield markets. A possible credit default action that the underlying asset might face reduces the investment baskets capital and return. ML Corporate Credit Basket Coupon 10/2017 pays coupon quarterly.

Investor carries the credit risk of six European companies and in return receives a return, which is typical for high-yield markets. Possible credit default actions that the underlying asset might face reduces the investment baskets capital and return.

ML Europe Aggressive 8/2019 is a investment basket for a limited time, which invests to EURO STOXX 50 index

ML Europe Aggressive 8/2019 is an investment basket for a limited time, which invests to STOXX Europe 600 index.

ML Europe Coupon 8/2019  is a terminable investment basket that invests in EURO STOXX 50 index.

Investor carries the credit risk of 22 European companies and in return receives a return, which is typical for high-yield markets. Possible credit default actions that the underlying asset might face reduces the investment baskets capital and return.

Credit events in the reference companies:

Abengoa S.A., 10.12.2015.

Norske Skogindustrier ASA, 12.4.2016.

Portugal Telecom International Finance BV, 21.6.2016

Grupo Isolux Corsan Finance BV, 28.7.2016

The remaining nominal amount: 94.666% of the initial value
The remaining coupon Level: 4.354636% p.a. the original nominal value

Investor carries the credit risk of 22 European companies and in return receives a return, which is typical for high-yield markets. Possible credit default actions that the underlying asset might face reduces the investment baskets capital and return.

Credit events in the reference companies

Portugal Telecom International Finance BV, 21.6.2016

Grupo Isolux Corsan Finance BV, 28.7.2016

The remaining nominal amount: 97.333% of the initial value
The remaining coupon Level: 5.255982% p.a. the original nominal value

The investment basket offers an opportunity to invest into European companies with low volatility levels. The investment invests into S&P Europe 350® Low Volatility- index with 80 % capital protection.

The investment basket offers an opportunity to invest into European companies with low volatility levels. The investment invests into S&P Europe 350® Low Volatility- index with 80 % capital protection.

The investment basket offers an opportunity to invest into European companies with low volatility levels. The investment invests into S&P Europe 350® Low Volatility- index with 80 % capital protection.

Mandatum Life Finland Twin Win 6/2017 provides an opportunity to invest in Finnish stock markets with a structure that produces yield in case of target market increase and moderate decrease. The target market is OMX Helsinki 25 index.

Mandatum Life Finland-Sweden 5/2019 is a terminable investment basket that provides an opportunity to invest in Finnish and Swedish stock markets with a structure that produces yield in case of target market increase and moderate decrease. The target market is OMX Helsinki 25 index.

ML Finland-Sweden 5/2019 Aggressive is a fixed-period investment basket that invests in ten selected Finnish and Swedish companies from the main lists of Helsinki and Stockholm exchanges.  The investment basket contains 80% capital protection.

Investment basket provides a chance to invest into Baltic Sea area's stock markets in a structure where it is beneficial to invest so that underlying assets are in a structure that does not limit the maximum return with a return ceiling, but limits the equity market risk using partial capital protection.

Investment basket provides a chance to invest into Baltic Sea area's stock markets in a structure where it is beneficial to invest so that underlying assets are in a structure that does not limit the maximum return with a return ceiling, but limits the equity market risk using partial capital protection.

Ten globally operating companies Nordic companies have been chosen as target companies. Positive development potetnial is based on their sensitivity for economic fluctuations or company-specific situation. The investment basket contains 80% capital protection.

Ten globally operating companies Nordic companies have been chosen as target companies. Positive development potetnial is based on their sensitivity for economic fluctuations or company-specific situation. Invesment basket does not contain any capital protection.

ML Nordic Trio Plus 5/2020 is a fixed-period investment basket that invests in Finnish (OMX Helsinki 25), Swedish (OMX Stockholm 30) and Norwegian (OBXP Oslo) stock markets with equal weights. The investment basket has no capital protection.

ML Suomi-Ruotsi 10/2018 Booster on määräaikainen sijoituskori. Sijoituksen kohdemarkkinoina toimivat OMX Helsinki 25 -indeksi ja OMX Tukholma 30-indeksi. Booster-rakenne tarjoaa suoraa sijoitusta suuremman osallistumisasteen indeksien mahdolliseen kurssinousuun sekä suojaa enintään 20 % kurssilaskulta.

ML Suomi-Ruotsi 10/2021 Tuotto on määräaikainen sijoituskori, joka sijoittaa valikoidusti kymmeneen Helsingin ja Tukholman pörssien päälistojen yhtiöön. Kohteella on 80% pääomasuoja.

ML Suomi-Ruotsi 12/2021 Tuotto on määräaikainen sijoituskori, joka sijoittaa valikoidusti kymmeneen Helsingin ja Tukholman pörssien päälistojen yhtiöön. Kohteella on 80% pääomasuoja.

ML Suomi-Ruotsi Twin win 6/2019 on määräaikainen sijoituskori. Sijoituksen kohdemarkkinoina toimivat OMX Helsinki 25 -indeksi ja OMX Tukholma 30-indeksi. Twin-rakenne tarjoaa ratkaisun sijottajalle joka haluaa hyödyntää Suomen ja Ruotsin osakemarkkinoiden maltilliset kurssimuutokset molempiin suuntiin.

Sijoituskori tarjoaa mahdollisuuden sijoittaa eurooppalaisiin ESG-kriteerein mitattuna toimialojensa parhaisiin kuuluvien yhtiöiden osakkeisiin osittaisella pääomasuojalla.

Investor carries the credit risk of 22 European companies and in return receives a return, which is typical for high-yield markets. Possible credit default actions that the underlying asset might face reduces the investment baskets capital and return.

Credit events in the reference companies:

Portugal Telecom International Finance BV, 21.6.2016

Grupo Isolux Corsan Finance BV, 28.7.2016

The remaining nominal amount: 97.333% of the initial value
The remaining coupon Level: 5.742647% p.a. the original nominal value

ML Osakekuponki Nokia Ericsson Bonus 3/2022 sijoituskori on sijoituskohde, jonka sijoitusaika on yhdestä viiteen vuotta. Sijoituskorin täysimääräisen kuponkituoton edellytyksenä on se, että molemmat kohdeyhtiöiden osakkeet ovat vähintään lähtötasossaan jonakin samana tarkasteluhetkenä. Lähtötasot ovat Nokia 4,99 EUR ja Ericsson 59,75 SEK

The investment basket invest in the If Skadeförsäkring Ab 30-year subordinated loan. Investment Basket probable investment horizon is 10 years and an initial annual return of 5-6% pa

Mandatum Life Gold Index investment basket invests in iShares Physical Gold ETC that seeks to replicate the day-to-day spot price of gold as closely as possible by owning gold bullions.