Micro-investments is easy to use
- Micro-investments can be found only in the SEB internet bank
- It is a convenient way to invest in ETFs in small amounts, you can invest from EUR 1
- Simply select the amount you want to invest, and the ETFs you want to invest in. We will do the rest
- You can invest in both periodic and one-off manner
How to start using Micro-investments?
- Open a bank account
If you are not an SEB customer yet, open a bank account and conclude internet bank agreement.
- Log in to your internet bank account
Select "Investing" > "Micro-investments". If you want to learn more, you will find more information on Micro-investments internet bank FAQ section.
- Select ETFs to invest in
To build your portfolio, you can choose from 9 ETFs. Take a look at the ETF selection.
- Select the amount you want to invest
We will simply ask you to enter the amount, and we will do the rest.
- Sign a one-time or regular investment order
You can invest in both periodic and one-off manner. You can cancel your regular investment at any time.
- Sit back – the transactions will happen automatically
We will process all the investment orders once a week, on Tuesdays, after 10.00 AM. We will process all further investment orders during the next investment cycle.
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 with Micro-investments?
US equities
The ETF seeks to track the MSCI USA ESG Screened index which excludes companies related to thermal coal, controversial weapons, tobacco and other controversial industries.
Japan equities
The ETF seeks to track the MSCI Japan ESG Screened index which tracks Japanese companies excluding companies related to thermal coal, controversial weapons, tobacco and other controversial industries.
Emerging markets companies
The ETF seeks to track the MSCI Emerging Markets IMI ESG Screened index. The MSCI Emerging Markets IMI ESG Screened index tracks large-, mid- and small-cap companies from emerging markets excluding companies related to thermal coal, controversial weapons, tobacco and other controversial industries.
Euro equities
The ETF seeks to track the MSCI Europe ESG Screened index which tracks European companies excluding companies related to thermal coal, controversial weapons, tobacco and other controversial industries.
Eurozone government bonds
The ETF seeks to track the FTSE Advanced Climate Risk-Adjusted European Monetary Union Government Bond index which tracks Euro denominated government bonds issued by Eurozone member states. Based on the parent index (FTSE EMU Government Bond index), country weights are adjusted to reduce risks associated with climate change. Minimum maturity: 1 year.
High yield corporate bonds
The ETF seeks to track the Bloomberg MSCI Euro Corporate High Yield Sustainable BB+ SRI Bond index which tracks the performance of Euro denominated high yield corporate bonds. The index consists of ESG (environmental, social and governance) screened corporate bonds.
Emerging markets government bonds
The ETF tracks the JP Morgan ESG EMBI Global Diversified (EUR Hedged) index which tracks US-Dollar denominated emerging market government bonds. Bonds can have any rating and any maturity. Within the index, bonds are weighted according to the social and environmental sustainability of their issuers. Currency hedged to Euro (EUR).
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. Maturity: 0-3 years.
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.
Why is it worth to
invest in these ETFs?
All the instruments are traded in EUR, therefore, you can easily track the investment performance and not pay any currency exchange rates
The ETF manager reinvests the dividends to the same ETF
These ETFs promote environmental and / or social characteristics, among other
Fees
| Criteria | Fee |
|---|---|
| Buying / selling fee | 0,25% for each transaction |
| Safekeeping fee | 0,013% per month |
| Concluding the agreement, opening the account, terminating the service | Free of charge |
We recommend that before you sign any financial service agreement you read the terms and conditions of the service carefully and consult the staff of the bank if you need to.
This is promotional information about the saving and investment services available at SEB Bank. It cannot be construed as a personal recommendation, order or invitation to buy or sell specific financial instruments and may not constitute any basis or part of any subsequent transaction. Although the content is based on sources deemed to be reliable, SEB Bank cannot be held responsible for any inaccuracies or losses which may be incurred when investments are made relying on such information.
Before you decide to invest in specific financial instruments, you must, either yourself or with the help of our consultants, take due account of the fact that your investments may fall in value due to the inflation, changes in market interest rates or certain events beyond the control of SEB Bank. If you invest in the financial instruments denominated in foreign currencies, changes in the exchange rate may affect the return on investment.
You are responsible for your investment decisions. Therefore, before you make a decision to invest, you must, either yourself or with the help of our consultants, consider whether these risks are acceptable. For advice, please visit an SEB branch office of your choice or call our private customer information line +370 5 268 2800 or business customer information line +370 5 268 2822.
Please note that the services described here are not intended for investors within the jurisdiction other than that of the SEB branch offices providing these services, and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any of this may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB branch office which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB branch office.
