Investment opportunities you won't find anywhere else

Select the combination from our vast selection best suited to your needs.

Mandatum Life
Name
Risk
Type
Date
Value
1 mth
3 mths
6 mths
YTD
1 y
 
ML Future Quality Equity
equity
19.11.2018
115.49
+1.4%
-1.2%
+4.7%
+3.2%
+5.7%
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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 %).

Key Information Document>>

The investment basket suits investors who...

  • Want to invest selectively in stable and responsively operating companies stocks
  • Seek a higher return than that of fixed income investments and accept a risk inherent of equity markets.
ML Emerging Markets Equity
equity
19.11.2018
110.92
+2.2%
-4.0%
-6.8%
-7.9%
-7.6%
Show more Show less

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

Key Information Document>>

The investment basket suits investors who...

  • Want to invest selectively in Emerging Markets companies.
  • Seek a higher return than that of fixed income investments.
  • Accept a risk inherent of equity markets.
ML Europe Equity
equity
19.11.2018
126.57
-4.0%
-12.7%
-17.5%
-16.2%
-15.0%
Show more Show less

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

Key Information Document>>

The investment basket suits investors who...

  • Want to invest selectively in European companies.
  • Seek a higher return than that of fixed income investments.
  • Accept a risk inherent of equity markets.
  • Hyväksyy hyvinkin suuret arvonvaihtelut sijoitusten pääomassa.
ML European Small & Mid Cap
equity
19.11.2018
132.15
-4.6%
-14.5%
-19.7%
-19.3%
-15.1%
Show more Show less

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.

Key Information Document>>

The investment basket suits for investors who...

  • Want to invest selectively in European Small & Mid Cap companies.
  • Seek a higher return than that of fixed income investments and accept a risk inherent of equity markets.
ML Global Brands
equity
19.11.2018
124.14
-1.2%
-5.9%
-3.5%
-0.7%
+0.3%
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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%).

Key Information Document>>

The investment basket suits investors who...

  • Want to invest selectively in the shares of companies with strong brands.
  • Seek a higher return than that of fixed income investments and accept a risk inherent of equity markets.
  • Accepts even very high fluctuations in the value of the investments.
ML Nordic Equity
equity
19.11.2018
114.97
-1.4%
-3.8%
-10.6%
-9.1%
-7.4%
Show more Show less

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

Key Information Document>>

The investment basket suits investors who...

  • Want to invest selectively in Nordic companies.
  • Seek a higher return than that of fixed income investments.
  • Accept a risk inherent of equity markets.
  • Hyväksyy hyvinkin suuret arvonvaihtelut sijoitusten pääomassa.
ML Slim Tail World Equity
equity
16.11.2018
103.80
+1.4%
-0.8%
+0.5%
-
-
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The investment basket invests its assets in the Mandatum Life Slim Tail World Equity Fund managed by Mandatum Life Fund Management S.A. (hereinafter Under-lying Fund) and, for liquidity and management reasons, partly in EUR and USD-denominated deposits. The Mandatum Life Slim Tail World Equity Fund invests in equity-linked securities worldwide.

Key Information Document>>

The investment basket suits investors who...

  • Seek a higher return than that of fixed income investments and accept a risk inherent of equity markets.
  • Accepts even very high fluctuations in the value of the investments.
Index investment baskets
Name
Risk
Type
Date
Value
1 mth
3 mths
6 mths
YTD
1 y
 
ML Finland Index
equity
19.11.2018
171.92
-0.5%
-6.6%
-9.2%
+2.8%
+2.1%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML Frontier Markets Index
equity
19.11.2018
113.11
+0.9%
-5.5%
-8.1%
-12.2%
-9.0%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML Future Climate
equity
19.11.2018
125.34
-2.3%
-6.2%
-2.7%
+0.6%
+2.7%
Show more Show less

ML Future Climate investment basket invests 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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML Japan Index
equity
19.11.2018
154.48
-3.6%
-4.7%
-7.9%
-4.6%
-3.7%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML USA Index
equity
19.11.2018
214.68
-2.3%
-5.2%
+1.3%
+6.2%
+8.5%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML United Kingdom Index
equity
19.11.2018
109.00
-1.6%
-6.1%
-10.4%
-6.3%
-2.8%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML Australia Index
equity
19.11.2018
115.68
-1.1%
-9.1%
-5.6%
-5.5%
-3.1%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML China Index
equity
19.11.2018
145.84
+3.5%
-9.1%
-18.3%
-13.1%
-15.0%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML India Index
equity
19.11.2018
160.22
+8.7%
-8.8%
+1.4%
-6.1%
-3.9%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML Indonesia Index
equity
19.11.2018
88.29
+10.8%
+2.2%
+3.1%
-10.5%
-7.8%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML Latin America Index
equity
19.11.2018
83.27
-1.7%
+7.9%
+0.9%
+0.1%
+0.9%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML Brazil Index
equity
19.11.2018
89.73
+2.8%
+25.3%
+7.0%
+4.4%
+5.0%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.
ML Russia Index
equity
19.11.2018
92.99
+1.3%
+6.7%
+1.9%
+6.1%
+4.6%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want diversification for equity investments.
  • Seek returns that are typical for equity investments.
  • Accept a risk inherent of equity markets.
  • Accept also significant variations in the value of invested capital.

DISCLAIMER: The investment baskets are administered by Mandatum Life Insurance Company Limited. The investment basket is selected independently by the policyholder, and the policyholder also bears the risk of any potential decrease in or loss of value of the investment savings. An investment basket's past yield does not guarantee returns in the future. The value of investment baskets may rise or fall and investors may lose funds that they have invested in the investment basket. Mandatum Life Insurance Company Limited and its agents are not responsible for the value development of the investment baskets. Even if Mandatum Life Insurance Company Limited and its partners attempt to ensure the reliability of information, the insurance company or any other party does not guarantee the completeness or correctness of the information contained in this website and is not liable for any errors or deficiencies contained herein. Information regarding investment objects is given for informational purposes only and cannot be regarded as a recommendation to buy, keep or change investment objects. Customers should carefully familiarise themselves with the regulations and brochures of the mutual funds prior to making their investment decisions. Market price quotations displayed in the reports or other customer material are only for the Client's personal use as information regarding the insurance policy. Price quotations may not be distributed to third parties or used to value other investments. Client understands and agrees that Mandatum Life's service providers shall be considered third party beneficiaries in respect of this paragraph. Notwithstanding the foregoing, such service providers shall under no circumstances have any liability to Client in connection with the provision of the price quotations provided by Mandatum Life. Mandatum Life Insurance Company Limited, Registered office and address: Helsinki, Bulevardi 56, FI-00120 Helsinki, Finland, Business ID 0641130-2.

Mandatum Life
Name
Risk
Type
Date
Value
1 mth
3 mths
6 mths
YTD
1 y
 
ML Money Abs
fixed income
19.11.2018
106.19
0.0%
0.0%
0.0%
+0.1%
+0.1%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Seek returns that are typical for money market instruments.
ML Fixed Income Portfolio Abs
fixed income
19.11.2018
153.55
-0.6%
-0.8%
-0.2%
-1.0%
-1.0%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Seek returns that are typical for medium-term fixed income investments.
  • Wants diversification for fixed income investments and appreciates active interest rate risk management.
ML Money Plus
fixed income
19.11.2018
100.59
-0.1%
0.0%
-0.3%
-0.3%
-0.3%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Seek higher returns than those typical for money market investments
  • Are ready to keep its investment over a period of 12 months.
ML Nordic High Yield Abs
fixed income
19.11.2018
107.74
-1.1%
+0.8%
+3.1%
+4.2%
+3.3%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Seek higher returns than those typical for conventional fixed income investments.
  • Accept the risk typically associated with bonds that have a low credit rating.
  • Understand that the value of the investments may fluctuate significantly.
ML Convertible
alternative
19.11.2018
112.39
-3.7%
-4.9%
-7.2%
-1.5%
-0.7%
Show more Show less

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).

Key Information Document>>

The investment basket suits investors who…

  • Wants to add instruments that have qualities of both fixed income and equity investments to his/her portfolio.
  • Seek a higher return than that of fixed income investments and accepts risk inherent to these markets.
Index investment baskets
Name
Risk
Type
Date
Value
1 mth
3 mths
6 mths
YTD
1 y
 
ML Emerging Markets Bond Index
fixed income
19.11.2018
101.10
+1.2%
+1.9%
-2.3%
-4.6%
-3.3%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want broad diversification for investments.
  • Seek returns that are typical for the emerging bond markets.
  • Accept a risk inherent of emerging bond markets.

DISCLAIMER: The investment baskets are administered by Mandatum Life Insurance Company Limited. The investment basket is selected independently by the policyholder, and the policyholder also bears the risk of any potential decrease in or loss of value of the investment savings. An investment basket's past yield does not guarantee returns in the future. The value of investment baskets may rise or fall and investors may lose funds that they have invested in the investment basket. Mandatum Life Insurance Company Limited and its agents are not responsible for the value development of the investment baskets. Even if Mandatum Life Insurance Company Limited and its partners attempt to ensure the reliability of information, the insurance company or any other party does not guarantee the completeness or correctness of the information contained in this website and is not liable for any errors or deficiencies contained herein. Information regarding investment objects is given for informational purposes only and cannot be regarded as a recommendation to buy, keep or change investment objects. Customers should carefully familiarise themselves with the regulations and brochures of the mutual funds prior to making their investment decisions. Market price quotations displayed in the reports or other customer material are only for the Client's personal use as information regarding the insurance policy. Price quotations may not be distributed to third parties or used to value other investments. Client understands and agrees that Mandatum Life's service providers shall be considered third party beneficiaries in respect of this paragraph. Notwithstanding the foregoing, such service providers shall under no circumstances have any liability to Client in connection with the provision of the price quotations provided by Mandatum Life. Mandatum Life Insurance Company Limited, Registered office and address: Helsinki, Bulevardi 56, FI-00120 Helsinki, Finland, Business ID 0641130-2.

Mandatum Life Allocation Investment Baskets offer you a new kind of wealth management, regardless of whether you are a private person or an entrepreneur. You will receive unique service which is as if you had your own Portfolio Manager. Just choose an investment strategy that best suits your needs, and our professional will take care of your assets. You can link the service to, for example, a savings policy and investment insurance.

Read more about Allocation Investment Baskets »

Portfolio management service
Name
Risk
Type
Date
Value
1 mth
3 mths
6 mths
YTD
1 y
 
25
combination
19.11.2018
125.58
-0.6%
-1.6%
-1.3%
-0.8%
-0.4%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want to leave the investment decisions to a professional.
  • Is aiming for a better return than a deposit but wants to avoid strong fluctuation in the value of invested assets.
Fixed Income
combination
19.11.2018
122.93
-0.4%
-0.4%
+0.1%
-0.6%
-0.7%
Show more Show less

Allocation 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.

Key Information Document>>

The investment basket suits investors who...

  • Want to leave the investment decisions to a professional.
  • Values safety and wants to avoid risks
50
combination
19.11.2018
129.74
-0.8%
-2.9%
-2.7%
-1.2%
-0.4%
Show more Show less

Allocation 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.

Key Information Document>>

The investment basket suits investors who...

  • Want to leave the investment decisions to a professional.
  • Looking for an effective return, as well as fixed-income and equity investments depending on market conditions.
80
combination
19.11.2018
129.57
-1.0%
-4.4%
-4.5%
-1.9%
-0.4%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want to leave the investment decisions to a professional.
  • Want an effective option in terms of its return to risk ratio.
  • Accept also significant variations in the value of invested capital.
Equity
combination
19.11.2018
143.93
-1.3%
-5.8%
-5.9%
-2.6%
-0.6%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Want to leave the investment decisions to a professional.
  • Is looking for a fully risk-based and high-yielding option.
  • Accept also significant variations in the value of invested capital.

DISCLAIMER: The investment baskets are administered by Mandatum Life Insurance Company Limited. The investment basket is selected independently by the policyholder, and the policyholder also bears the risk of any potential decrease in or loss of value of the investment savings. An investment basket's past yield does not guarantee returns in the future. The value of investment baskets may rise or fall and investors may lose funds that they have invested in the investment basket. Mandatum Life Insurance Company Limited and its agents are not responsible for the value development of the investment baskets. Even if Mandatum Life Insurance Company Limited and its partners attempt to ensure the reliability of information, the insurance company or any other party does not guarantee the completeness or correctness of the information contained in this website and is not liable for any errors or deficiencies contained herein. Information regarding investment objects is given for informational purposes only and cannot be regarded as a recommendation to buy, keep or change investment objects. Customers should carefully familiarise themselves with the regulations and brochures of the mutual funds prior to making their investment decisions. Market price quotations displayed in the reports or other customer material are only for the Client's personal use as information regarding the insurance policy. Price quotations may not be distributed to third parties or used to value other investments. Client understands and agrees that Mandatum Life's service providers shall be considered third party beneficiaries in respect of this paragraph. Notwithstanding the foregoing, such service providers shall under no circumstances have any liability to Client in connection with the provision of the price quotations provided by Mandatum Life. Mandatum Life Insurance Company Limited, Registered office and address: Helsinki, Bulevardi 56, FI-00120 Helsinki, Finland, Business ID 0641130-2.

 

Mandatum Life
Name
Risk
Type
Date
Value
1 mth
3 mths
6 mths
YTD
1 y
 
ML Pension
combination
19.11.2018
105.64
-0.6%
-1.9%
-2.0%
-1.0%
-0.4%
Show more Show less

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.

Key Information Document>>

The investment basket suits for investors who...

  • Invest in with a long investment horizon
  • Want to leave investment decisions to the professionals
  • Seek effective returns using both fixed income and equity investments depending on the market situation
ML Pension+
combination
19.11.2018
96.16
-1.0%
-
-
-
-
Show more Show less

ML Pension+ is an investment basket tailored to the needs of a return-oriented 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 our group. The portfolio takes into account future megatrends such as sustainability.

The investment basket suits for investors who...

  • Invest in with a long investment horizon
  • Want to leave investment decisions to the professionals
  • Seek effective returns using both fixed income and equity investments depending on the market situation

DISCLAIMER: DISCLAIMER: The investment baskets are administered by Mandatum Life Insurance Company Limited. The investment basket is selected independently by the policyholder, and the policyholder also bears the risk of any potential decrease in or loss of value of the investment savings. An investment basket's past yield does not guarantee returns in the future. The value of investment baskets may rise or fall and investors may lose funds that they have invested in the investment basket. Mandatum Life Insurance Company Limited and its agents are not responsible for the value development of the investment baskets. Even if Mandatum Life Insurance Company Limited and its partners attempt to ensure the reliability of information, the insurance company or any other party does not guarantee the completeness or correctness of the information contained in this website and is not liable for any errors or deficiencies contained herein. Information regarding investment objects is given for informational purposes only and cannot be regarded as a recommendation to buy, keep or change investment objects. Customers should carefully familiarise themselves with the regulations and brochures of the mutual funds prior to making their investment decisions. Market price quotations displayed in the reports or other customer material are only for the Client's personal use as information regarding the insurance policy. Price quotations may not be distributed to third parties or used to value other investments. Client understands and agrees that Mandatum Life's service providers shall be considered third party beneficiaries in respect of this paragraph. Notwithstanding the foregoing, such service providers shall under no circumstances have any liability to Client in connection with the provision of the price quotations provided by Mandatum Life. Mandatum Life Insurance Company Limited, Registered office and address: Helsinki, Bulevardi 56, FI-00120 Helsinki, Finland, Business ID 0641130-2.

Index investment baskets
Name
Risk
Type
Date
Value
1 mth
3 mths
6 mths
YTD
1 y
 
ML Gold Index
alternative
19.11.2018
81.15
+0.1%
+3.4%
-3.4%
-1.9%
-3.0%
Show more Show less

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.

Key Information Document>>

The investment basket suits investors who...

  • Seek returns that are typical for precious metals and commodity markets and accept a risk inherent of those markets.
  • Accepts even very high fluctuations in the value of the investments.

DISCLAIMER: The values of the investment baskets are indicative. The redemption price may differ significantly from the indicative value, if the investment baskets are redeemed during the investment period. The investment baskets are administered by Mandatum Life Insurance Company Limited. The investment basket is selected independently by the policyholder, and the policyholder also bears the risk of any potential decrease in or loss of value of the investment savings. An investment basket's past yield does not guarantee returns in the future. The value of investment baskets may rise or fall and investors may lose funds that they have invested in the investment basket. Mandatum Life Insurance Company Limited and its agents are not responsible for the value development of the investment baskets. Even if Mandatum Life Insurance Company Limited and its partners attempt to ensure the reliability of information, the insurance company or any other party does not guarantee the completeness or correctness of the information contained in this website and is not liable for any errors or deficiencies contained herein. Information regarding investment objects is given for informational purposes only and cannot be regarded as a recommendation to buy, keep or change investment objects. Customers should carefully familiarise themselves with the regulations and brochures of the mutual funds prior to making their investment decisions Market price quotations displayed in the reports or other customer material are only for the Client's personal use as information regarding the insurance policy. Price quotations may not be distributed to third parties or used to value other investments. Client understands and agrees that Mandatum Life's service providers shall be considered third party beneficiaries in respect of this paragraph. Notwithstanding the foregoing, such service providers shall under no circumstances have any liability to Client in connection with the provision of the price quotations provided by Mandatum Life. Mandatum Life Insurance Company Limited, Registered office and address: Helsinki, Bulevardi 56, FI-00120 Helsinki, Finland, Business ID 0641130-2.

Every second tuesday of the month: Market Outlook in English

Navigating the headwind

7 November 2018

The slight upward surge in the real interest rate in September triggered October’s equity market movement, just as at the beginning of the year. Once again, the interest rate movement was founded on stronger-than-expected economic figures and fears of the US economy overheating.

A differentiating factor from the January-February situation is that companies’ earnings forecasts are being downgraded and economic activity is becoming more moderate globally. Early on in the year, the trend in the economy and earnings forecast was quite the opposite.

 

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