Micro Invest

Make investments with everyday card payments!

Micro Invest is simple and automated.
You can become an investor with just a few clicks.
You save money with each card payment and the amount will be invested in Your chosen Robur fund.
Enable round-up and start building your Portfolio.

How much I can earn with Micro Invest?

Average number of weekly card payments

12 purchases

0 purchases

50 purchases

Amount invested per week

EUR

Investment period

10 years

2 years

60 years

Expected return

0 %

-15 %

15 %

Equity markets average return is 7%*

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Payments
3 120 EUR
Profit
0 EUR
Value after 10 years

savings calculated with estimated earning rates, period and amount of contributions, which you have defined. Actual value of saving depends on actual investment performance of assets, which is not guaranteed.

3 120 EUR

What is compound effect?

*Important notice about calculator
Purpose of the calculator is to illustrate the return from the investment in a particular time period. Calculator value limits do not refer to maximum or minimum returns in chosen period. Return displayed in the calculator is not guaranteed nor based on real market returns. Fees have not been taken into account. Investing entails risks. Value of any investment may increase or decrease in time. Historic returns do not guarantee similar results in the future. Read more about equity markets average gross return.

1. Every time you pay by card

Your purchase amount will be rounded to the nearest euro (3 €).

2. A small amount is set aside

The difference between the purchase amount and the amount rounded to the nearest whole euro (3 € – 2.65 € = 0.35 €).

3. And invested automatically

Once a week, the accumulated amount is automatically invested in the Swedbank Robur fund of your choice.

What is card payments round-up?

The more often you pay with your card, the more money you accumulate for Micro Invest. Simple!

If you have enabled rounding on payments, you can save money for investment when paying with all your cards.
The amount is the difference between your purchase amount and the next full euro. For example, if you pay 2.65 euros for your purchase, 0.35 euros is automatically set aside for Micro Invest.
All your debit and credit card payments are automatically rounded up.
You can enable/disable the rounding option at any time.

Why invest in funds?

You can allocate your Micro Invest to one Swedbank Robur fund at a time. You can also change your choice at any time.
Transactions with the Robur funds and keeping them in the portfolio are free of charge for you.
Allows you to invest consistently with very small amounts without incurring transaction costs. As the fund invests in a wide range of companies, it also helps to diversify risks.

What are the Swedbank Robur funds?

Swedbank Robur is one of the largest Scandinavian asset management companies active since 1967.
Swedbank Robur is managed by professional investment managers with extensive experience.
We offer investment fund solutions covering most of the major regions of the world, sectors and asset classes.

Start from here or open the app, go to Services > Investments, Savings > Micro Invest
Choose a fund from the funds list
Open an investment/a securities account if you haven’t already got one.
That’s it! Your micro invest is launched.

With the Micro Invest agreement, you can easily open the securities and investment accounts for yourself. The securities account will hold your Robur fund units and the investment account will be similar to a standard bank account that you only use for investments.
You can sign an agreement from the age of 18.
You can enable/disable the rounding option at any time.
In case of deactivation, the money held for Micro Invest will be returned to your account free of charge.
You can sell your Robur fund units for free at any time. Normally, the money from the sales transaction will be credited to your account within 2–3 working days.

Note! After selling your funds you might need to declare profit and pay taxes. Read more here.

FAQ

How to choose the fund to invest in?

There are various options:

Use a simple fund selection tool to find out which fund could match your preferences.
Check the list of funds and review what companies, sectors and markets they include.
Book a free consultation.
Fill in the suitability questionnaire where we assess your knowledge and experience in the field of investments, financial situation, investment goals and sustainability preferences.

Where can I see my investments results?

How do Micro Invest and the Easy Saver work together?

You can use the rounding option to save in the Easy Saver and engage in Micro Invest.
If you have enabled the Easy Saver, it remains active even after you start Micro Invest. In this case, a double amount will be rounded for each purchase. For example, if the purchase amount is 4.5 euros, 0.5 euros will go to the easy saver and 0.5 euros to micro investing.

How can I change the fund for my Micro Invest?

Not a customer yet?

Micro Invest

Make investments with everyday card payments!

How much I can earn with Micro Invest?

Chart

1. Every time you pay by card

2. A small amount is set aside

3. And invested automatically

What is card payments round-up?

Why invest in funds?

What are the Swedbank Robur funds?

FAQ

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