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Now, in addition to funds, popular US stocks can also be selected for the Growth Account portfolio.
Alphabet • Amazon • Apple • Berkshire Hathaway • Coca Cola • Meta Platforms • Microsoft • Pfizer • Tesla Motors • Visa
Open an account and sign the agreement
If you are not yet a client of LHV, open an account. Then sign an investment services agreement and a Growth Account agreement.
Build your investment portfolio
You can choose up to ten index funds or stocks for your investment portfolio and set their proportions. You can change the selected securities and their proportions at a later date. Check out the selection of securities
Transfer money to your account
You can transfer money to the Growth Account at any time and in any amount that suits you.
Sign a standing payment order to make regular investments. You can change the amount you invest at any time, and you can take a break on standing payments if you need to.
Activate micro-investing
Activate micro-investing, which allows you to grow your investment portfolio unnoticed. With each debit card payment, you invest up to EUR 1 in your own Growth Account.
Transactions take place automatically
The money in your Growth Account will be used to buy new securities for your portfolio on Wednesdays between 11.00 and 19.00.
Securities
Themes and regions
Risk and expected returns
Lower
Higher
Higher
risk/return profile: 4
The fund invests in physical gold.
risk/return profile: 4
risk/return profile: 4
The fund manager invests in equity markets around the world. The fund’s portfolio is spread across developed markets (e.g. Western Europe, the US, Japan) as well as emerging markets (e.g. Asia, Latin America, Eastern Europe).
risk/return profile: 4
risk/return profile: 3
The fund provides access to one of the major global financial markets. The primary goal of the fund is to generate interest income, while the secondary goal is to profit from changes in bond prices. Investments are primarily made in investment-grade bonds.
risk/return profile: 3
risk/return profile: 6
The fund passively invests in big and medium sized companies by following global stock index. The portfolio has been dispersed between developed and developing countries representing all economic sectors.
risk/return profile: 6
risk/return profile: 4
The fund invests in corporate bonds listed in dollars in the industrial and financial sectors of developed markets (e.g. Goldman Sachs, Verizone).
risk/return profile: 4
risk/return profile: 4
The fund invests in corporate bonds in the industrial and financial sectors of developed markets (e.g. Japanese bonds, Verizone, Citigroup).
risk/return profile: 4
risk/return profile: 5
The fund invests in physical silver.
risk/return profile: 5
risk/return profile: 4
The fund invests in a portfolio of four physical precious metals: gold, silver, platinum, and palladium.
risk/return profile: 4
risk/return profile: 6
The fund tracks the performance of an index that represents largest companies from Finland, Sweden, Norway and Denmark (e.g., Novo-Nordisk, Ericsson, Volvo, Nordea Bank).
risk/return profile: 6
risk/return profile: 6
The fund invests in the major corporations of developed countries (e.g. Apple, Google, Amazon, Nestle, Visa, Procter & Gamble, Toyota).
risk/return profile: 6
risk/return profile: 6
The fund invests in finance, real estate and industrial companies of Australia, New Zealand, Singapore and Hong Kong.
risk/return profile: 6
risk/return profile: 6
The fund invests in major corporations of the euro zone (e.g. Siemens, Basf, Total, Deutsche Telecom).
risk/return profile: 6
risk/return profile: 6
The fund invests in 600 European companies (e.g. Nestle, Novartis, Shell, Siemens, Daimler, Unilever).
risk/return profile: 6
risk/return profile: 6
The fund invests in the 40 biggest dividend-paying enterprises in the euro zone in the communication service, industrial and financial sector.
risk/return profile: 6
risk/return profile: 3
The fund invests in German government bonds.
risk/return profile: 3
risk/return profile: 6
The fund tracks the performance of an index that includes manufacturers of video games, as well as players in the e-sports industry (e.g. Nvidia, AMD, Nintendo).
risk/return profile: 6
risk/return profile: 6
The fund tracks the performance of an index that includes manufacturers of video games, as well as players in the e-sports industry (e.g. Nvidia, AMD, Nintendo).
risk/return profile: 6
risk/return profile: 7
The fund tracks the performance of an index that includes global manufacturers of electric and autonomous vehicles, as well as their component suppliers (e.g. Tesla, Nvidia, ABB).
risk/return profile: 7
risk/return profile: 6
The fund invests in the 100 biggest technology enterprises of the US and the rest of the world (e.g. Google, Apple, Microsoft, Amazon, Netflix).
risk/return profile: 6
risk/return profile: 7
The fund invests in smaller US companies in the financial, industrial, healthcare and technology sector.
risk/return profile: 7
risk/return profile: 6
The fund invests in the 500 largest US companies (e.g. Apple, Microsoft, Johnson&Johnson, Google, Exxon Mobil).
risk/return profile: 6
risk/return profile: 6
The fund invests in US companies (e.g. Apple, Microsoft, Johnson&Johnson, Google, Exxon Mobil) and covers approx. 85% of the total value of publicly listed US companies.
risk/return profile: 6
risk/return profile: 6
The fund invests in the biggest US enterprises (e.g. AT&T, AbbVie, Exxon Mobil) that have increased their dividend payments for at least 25 consecutive years.
risk/return profile: 6
risk/return profile: 6
This fund is suitable for an investor who wants to contribute to the German economy by means of 30 large companies (e.g. Siemens, Daimler, Adidas, Volkswagen).
risk/return profile: 6
risk/return profile: 6
The fund invests in Japanese enterprises (e.g. Toyota, Mitsubishi, Sony, Honda).
risk/return profile: 6
risk/return profile: 6
The fund invests in the enterprises of South Korea, Taiwan, China, South Africa, Brazil and other emerging markets in the sectors of information technology, telecommunications and finance (e.g. Alibaba, Samsung).
risk/return profile: 6
risk/return profile: 6
The fund follows an index comprised of the largest companies of Poland, the Czech Republic and Hungary.
risk/return profile: 6
risk/return profile: 6
The fund invests in the enterprises of China, India, South Korea, Taiwan and other developing markets of the Asian region (e.g. Tencent, Samsung, Baidu, Alibaba).
risk/return profile: 6
risk/return profile: 7
The fund mainly invests in Brazilian, Mexican, Chilean and Colombian enterprises.
risk/return profile: 7
risk/return profile: 6
The fund tracks the performance of an index that includes 300 largest mainland Chinese stocks (e.g. China Merchants Bank, Midea, China State Construction).
risk/return profile: 6
risk/return profile: 6
The fund invests in the biggest Indian companies (e.g. Tata, Infosys).
risk/return profile: 6
risk/return profile: 6
The fund invests in companies engaged in water management and the development of the related technologies (e.g. Veolia, Alfa Laval).
risk/return profile: 6
risk/return profile: 6
The fund invests in companies related to real estate management and development (e.g. shopping centres, residential housing, public buildings, storage spaces).
risk/return profile: 6
risk/return profile: 6
The fund invests in big companies engaged in infrastructure management and development (e.g. railways, pipelines, terminals, transmission networks).
risk/return profile: 6
risk/return profile: 5
The fund tracks the price movements of agricultural, energy, and metal commodities (e.g. wheat, crude oil, copper, gold).
risk/return profile: 5
risk/return profile: 6
The fund is comprised of enterprises placing a lot of focus on sustainable development (e.g. Microsoft, Nestle, Intel, Samsung, Novartis, Bank of America). Sustainability is assessed based on the social, economic and environmental impact.
risk/return profile: 6
risk/return profile: 7
The fund invests in companies engaged in the production of clean energy and the development of the related technology (e.g. solar energy producers, equipment manufacturers – Verbund, First Solar).
risk/return profile: 7
risk/return profile: 6
The fund invests in enterprises engaged in the field of cybersecurity.
risk/return profile: 6
risk/return profile: 6
The fund invests in enterprises engaged in the field of robotics and automation.
risk/return profile: 6
risk/return profile: 6
The fund invests in the healthcare-related enterprises of developed countries (e.g. Pfizer, Roche, Merck, Novartis, Johnson&Johnson).
risk/return profile: 6
risk/return profile: 6
The fund invests in enterprises of the healthcare and finance sector who are offering products and services targeting the elderly.
risk/return profile: 6
risk/return profile: 6
The fund invests in enterprises engaged in the development of the field of healthcare services (e.g. Ablynx and Celltrion).
risk/return profile: 6
risk/return profile: 6
The fund invests in the 80 biggest luxury goods manufacturers and retailers (e.g. Daimler, Nike, Estee Lauder, Hennessy, Tesla).
risk/return profile: 6
risk/return profile: 5
The fund invests in the biggest European producers of consumer goods (e.g. Nestle, Unilever, L'Oreal, Danone).
risk/return profile: 5
risk/return profile: 6
The fund invests in 100 enterprises of developed countries that have made stable dividend payments (e.g. Shell, GlaxoSmithKline, Ford, Fortum).
risk/return profile: 6
risk/return profile: 6
The fund follows the movements of the market price of the Bitcoin cryptocurrency (BTC).
risk/return profile: 6
risk/return profile: 7
The fund follows the movements of the market price of the Ether cryptocurrency (ETH).
risk/return profile: 7
risk/return profile: 3
The fund invests in US government bonds.
risk/return profile: 3
The fund invests in physical gold.
Fund’s performance graph, additional information, fund’s key investor information
Lower
Higher
The fund manager invests in equity markets around the world. The fund’s portfolio is spread across developed markets (e.g. Western Europe, the US, Japan) as well as emerging markets (e.g. Asia, Latin America, Eastern Europe).
Fund’s performance graph, additional information, fund’s key investor information
Lower
Higher
The fund provides access to one of the major global financial markets. The primary goal of the fund is to generate interest income, while the secondary goal is to profit from changes in bond prices. Investments are primarily made in investment-grade bonds.
Fund’s performance graph, additional information, fund’s key investor information
Lower
Higher
The fund passively invests in big and medium sized companies by following global stock index. The portfolio has been dispersed between developed and developing countries representing all economic sectors.
Fund’s performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in corporate bonds listed in dollars in the industrial and financial sectors of developed markets (e.g. Goldman Sachs, Verizone).
Fund’s performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in corporate bonds in the industrial and financial sectors of developed markets (e.g. Japanese bonds, Verizone, Citigroup).
Fund’s performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in physical silver.
Fund’s performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in a portfolio of four physical precious metals: gold, silver, platinum, and palladium.
Fund’s performance graph, additional information, fund’s key investor information
Lower
Higher
The fund tracks the performance of an index that represents largest companies from Finland, Sweden, Norway and Denmark (e.g., Novo-Nordisk, Ericsson, Volvo, Nordea Bank).
Fund's performance graph, additional information, Fund’s key investor information
Lower
Higher
The fund invests in the major corporations of developed countries (e.g. Apple, Google, Amazon, Nestle, Visa, Procter & Gamble, Toyota).
Fund's performance graph, additional information, Fund’s key investor information
Lower
Higher
The fund invests in finance, real estate and industrial companies of Australia, New Zealand, Singapore and Hong Kong.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in major corporations of the euro zone (e.g. Siemens, Basf, Total, Deutsche Telecom).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in 600 European companies (e.g. Nestle, Novartis, Shell, Siemens, Daimler, Unilever).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the largest listed European companies (e.g. Nestle, Roche, LVMH, Unilever).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the 40 biggest dividend-paying enterprises in the euro zone in the communication service, industrial and financial sector.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in German government bonds.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund tracks the performance of an index that includes manufacturers of video games, as well as players in the e-sports industry (e.g. Nvidia, AMD, Nintendo).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund tracks the performance of an index that includes manufacturers of video games, as well as players in the e-sports industry (e.g. Nvidia, AMD, Nintendo).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund tracks the performance of an index that includes global manufacturers of electric and autonomous vehicles, as well as their component suppliers (e.g. Tesla, Nvidia, ABB).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the 100 biggest technology enterprises of the US and the rest of the world (e.g. Google, Apple, Microsoft, Amazon, Netflix).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in smaller US companies in the financial, industrial, healthcare and technology sector.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the 500 largest US companies (e.g. Apple, Microsoft, Johnson&Johnson, Google, Exxon Mobil).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in US companies (e.g. Apple, Microsoft, Johnson&Johnson, Google, Exxon Mobil) and covers approx. 85% of the total value of publicly listed US companies.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the biggest US enterprises (e.g. AT&T, AbbVie, Exxon Mobil) that have increased their dividend payments for at least 25 consecutive years.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
This fund is suitable for an investor who wants to contribute to the German economy by means of 30 large companies (e.g. Siemens, Daimler, Adidas, Volkswagen).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in Japanese enterprises (e.g. Toyota, Mitsubishi, Sony, Honda).
Fund's performance graph, additional information, fund's key investor information
Lower
Higher
The fund invests in the enterprises of South Korea, Taiwan, China, South Africa, Brazil and other emerging markets in the sectors of information technology, telecommunications and finance (e.g. Alibaba, Samsung).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund follows an index comprised of the largest companies of Poland, the Czech Republic and Hungary.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the enterprises of China, India, South Korea, Taiwan and other developing markets of the Asian region (e.g. Tencent, Samsung, Baidu, Alibaba).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund mainly invests in Brazilian, Mexican, Chilean and Colombian enterprises.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund tracks the performance of an index that includes 300 largest mainland Chinese stocks (e.g. China Merchants Bank, Midea, China State Construction).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund tracks the performance of an index that includes 300 largest mainland Chinese stocks (e.g. China Merchants Bank, Midea, China State Construction).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the biggest Indian companies (e.g. Tata, Infosys).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in companies engaged in water management and the development of the related technologies (e.g. Veolia, Alfa Laval).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in companies related to real estate management and development (e.g. shopping centres, residential housing, public buildings, storage spaces).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in big companies engaged in infrastructure management and development (e.g. railways, pipelines, terminals, transmission networks).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund tracks the price movements of agricultural, energy, and metal commodities (e.g. wheat, crude oil, copper, gold).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund is comprised of enterprises placing a lot of focus on sustainable development (e.g. Microsoft, Nestle, Intel, Samsung, Novartis, Bank of America). Sustainability is assessed based on the social, economic and environmental impact.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in companies engaged in the production of clean energy and the development of the related technology (e.g. solar energy producers, equipment manufacturers – Verbund, First Solar).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in enterprises engaged in the field of cybersecurity.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in enterprises engaged in the field of robotics and automation.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the healthcare-related enterprises of developed countries (e.g. Pfizer, Roche, Merck, Novartis, Johnson&Johnson).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in enterprises of the healthcare and finance sector who are offering products and services targeting the elderly.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in enterprises engaged in the development of the field of healthcare services (e.g. Ablynx and Celltrion).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the 80 biggest luxury goods manufacturers and retailers (e.g. Daimler, Nike, Estee Lauder, Hennessy, Tesla).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in the biggest European producers of consumer goods (e.g. Nestle, Unilever, L'Oreal, Danone).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in 100 enterprises of developed countries that have made stable dividend payments (e.g. Shell, GlaxoSmithKline, Ford, Fortum).
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund follows the movements of the market price of the Bitcoin cryptocurrency (BTC).
The fund in question is an index fund, the market value of which may, in comparison with other index funds, rise or fall much more frequently and on a larger scale. In certain instances, you may lose the invested sum. Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund follows the movements of the market price of the Ether cryptocurrency (ETH).
The fund in question is an index fund, the market value of which may, in comparison with other index funds, rise or fall much more frequently and on a larger scale. In certain instances, you may lose the invested sum. Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
The fund invests in US government bonds.
Fund's performance graph, additional information, fund’s key investor information
Lower
Higher
No funds
Microinvestment enables you to grow your investment portfolio without even noticing, investing up to 1 euro to your Growth Account with each debit card payment.
Did you know that microinvesting will help you to deposit approximately 1,1 euros to Growth Account on a daily basis, in a year it will grow up to 400 euros.
Microinvesting is targeted to customers who are ready to accept investment risk, value comfort and are determined to save money in the long-term. Microinvesting will help you to deposit approximately 1,1 euros to Growth Account on a daily basis, in a year it will grow up to 400 euros. If you invest this amount of money yearly throughout 25 years the value of your Growth Acccount will increase up to 40,000 euros provided the average annual growth rate is 10%.
This can be done by signing first the Investment Services Agreement, then setting up Growth Account Agreement via the internet bank. Finally, debit card has to used for payments in order to generate automatically microinvestments that are transferred to Growth Account.
The sum of a debit card payment is rounded to the next integer.
Example. Your card payment is 2.1 euros. The next integer is 3 euros. The difference between the two numbers is 90 cents – that is the sum of the microinvestment.
If you wish, you can set an upper limit to your microinvestments for smaller payments (up to 10 euros), which is 10% of the payment value.
Example. Your card payment is 2.1 euros. Usually your microinvestment sum would be 90 cents. By selecting 10% as the upper limit, the microinvestment sum is limited to 21 cents.
If your child is not yet a client of LHV, open an account for him or her.
Log into the Internet Bank and choose the child’s role. First, conclude an Investment Services Agreement and then a Growth Account Agreement (‘Information and settings’ → ‘Agreements’).
Choose suitable Growth Account securities. You can choose up to ten instruments.
Sign a standing order in your Internet Bank, as this way, every month a fixed sum will be received in your child’s Growth Account.
Make your child a gift and open a Growth Account. If you want a certificate to hand over the gift, download the designed form and fill in the necessary fields.
Use the calculator to see how long would it take you to achieve the necessary down payment via investing or simply via saving.
Investing via Growth Account may allow you to reach the necessary sum for the home loan down payment faster, as the money grows faster while investing it, versus saving it.
When signing a home loan agreement in LHV Bank, you can sell assets from your Growth Account with no fees.
View the Conditions of Growth Account Agreement.
Sell your funds in the desired amount from your Growth Account within 2 weeks prior to the date of loan money being paid out. We will reimburse the fees associated to sales of the Growth Account funds within 2 weeks.
Purchase price of the property
€Down payment
%Monthly savings
Yearly yield
Investing is related to opportunities and risks; the market value of securities may both increase and decrease. Currency fluctuations may affect the rate of return on foreign markets. Before making an investment decision, carefully examine the materials concerning the investment as well as potential risks and, if necessary, seek advice from an expert.
Income from investments is subject to taxation. Taxation depends on tax residency and legal form, but also on the type of income and other circumstances. We recommend contacting a tax advisor to obtain more detailed information.
| Conclusion of agreement | Free of charge |
| Fee for a purchase transaction | 0.5%, LHV funds free of charge |
| Fee for a sales transaction | 0.14% of trade value, min 5 € LHV funds free of charge 0 € is applied if the client sells Growth Account funds for home loan down payment before the loan money is paid out* |
| Management fee | 0.01% per month, plus VAT; first year without management fee; management fee for persons under 26 years of age is 0 €** |
* Sell your funds in the desired amount from your Growth Account within 2 weeks prior to the date of loan money being paid out. We will reimburse the fees associated to sales of the Growth Account funds within 2 weeks.
** Applies only for the first Growth Account.
View the terms and conditions, price list and risks of the Growth Account. Before making an investment decision, review the fund’s prospectus and key investor information and risks involved in the investment. We advise you to get acquainted with the fund and the costs involved in the investment service with the help of the resources available on the website.
