Growth account

LHV Growth Account makes investing easy

  • Minimum investments start from EUR 1
  • Payments can be either regular or one-time
  • We conclude transactions with securities for you
  • Conclusion of an agreement is free of charge
  • In the first year, there is no management fee
  • Investments can be sold at any moment

A growth account is flexible and easy to open

  • Compile your investment portfolio

    When concluding an agreement you can choose up to six broad-based funds and determine their ratios. The selected funds and their ratios can be changed later.

    View the funds
  • Add money to your account
    The money you have contributed will be used on the basis of your portfolio to purchase new securities each Wednesday, between 17.00 and 19.00.

    It should be remembered that after a sales transaction, new purchase transactions are not made for a period of eight banking days.

  • Make a standing payment order
    Make a standing payment order for regular investments. The sum invested can be changed free of charge at any time and if needed, a break can be taken from the monthly payments.

    Standing payment order

Price List

Conclusion of agreement

Free of charge

Fee for a purchase transaction

1%

Fee for a sales transaction

Based on the price list of the account (usually EUR 11 + 0.3% per instrument)

Management fee

0.05% per month (from EUR 1; 0.025% on sums over EUR 30,000), plus VAT; first year without management fee

View the terms and conditions, price list and risks of the Growth Account.
Before making a decision to invest, we kindly ask you to review fund's prospectus, key investor information document and risks ineherent in investing. We recommend learning about the costs related to the fund and investment services by using the resources given on the website.
Income and expense calculator for securities transactions

Funds

To put together a Growth Account portfolio that suits you, select up to six funds and their ratios upon the conclusion of the agreement. You can choose from the following funds.

Follows the MSCI EMU Index, which invests into enterprises of the euro zone and covers approx. 85% of the market value of the enterprises of the euro zone that are listed on the stock market. In addition to the major European industrial countries this fund can be used to invest into the shares of countries like Finland, Belgium, Greece, etc. It is a very broad-based fund, therefore having a lower-than-average risk level. The currency of the fund is the euro.

Share fund traded on the stock market, which is suitable for an investor who wants to put their money into European value shares.

Annual expense ratio of the fund is 0.40% * p.a. (as of 07.09.2017), which also includes management fees.

It follows the Dow Jones Stoxx 600 index that includes 200 medium-sized and 400 major companies from 18 European countries. It invests both into the bigger and more developed European countries (e.g. Germany, Italy and the Great Britain) as well as the smaller ones (e.g. Portugal, Finland and Sweden). Following a broad-based index makes it possible to follow the economy of Europe, doing it with a lower-than-average risk level. The currency of the fund is the euro.

Share fund traded on the stock market, which is suitable for an investor who wants to invest in major European companies.

Annual expense ratio of the fund is 0.20% * p.a. (as of 13.09.2017), which also includes management fees.

Tracks the US technology sector index Nasdaq, which includes the 100 largest technology companies in the US and the rest of the world. Investment bearing medium risk. Dollar-denominated fund, trading in euro.

An exchange-traded equity fund, which is suited for an investor who wants to bet their money on the more rapid growth of technology companies.

The annual expense ratio of the fund is 0.31%* (as at 22 December 2017), which also includes, among other things, the fund’s management fees.

Follows the Russell 2000 index, consisting of US enterprises ranking 1000th–3000th place in terms of their market value. It is an index of so-called small and medium-sized enterprises. Smaller enterprises can offer greater growth prospects, but one must also take into consideration the possibility of bigger potential losses and volatility, as not every growing enterprise is going to achieve great success. Investment bearing medium risk. Dollar-denominated fund, trading in euro.

An exchange-traded equity fund, which is suitable for an investor who wants to put their money in potentially faster growing, riskier US enterprises.

The annual expense ratio of the fund is 0.30%* (as at 03 April 2017), which also includes, among other things, the fund’s management fees.

Follows the US Standard&Poors 500 Index, which includes the 500 most important US companies, chosen on the basis of their size and liquidity. The Standard&Poors 500 covers approximately 77% of the market capitalisation of the shares traded on the U.S. market. Investment with a lower-than-average risk level. Dollar-denominated fund, trading in euro.

An exchange-traded equity fund, which is suitable for an investor who wants to contribute to the potential growth of major US companies.

The annual expense ratio of the fund is 0.07%* (as at 30 September 2017), which also includes, among other things, the fund’s management fees

Follows the CSI300 Index that invests into the biggest Chinese enterprises. Riskier-than-average investment. The currency of the fund is the euro.

Share fund traded on the stock market, which is suitable for an investor who wants to contribute to the prospective growth of Chinese companies.

Annual expense ratio of the fund is 0.50% * p.a. (as of 11.08.2017), which also includes management fees.

Follows the CECE Index used to invest into the developing markets of Eastern Europe. The index follows the results of 30 companies mostly located in Poland, the Czech Republic and Hungary. Riskier-than-average investment. The currency of the fund is the euro.

Share fund traded on the stock market, which is suitable for an investor who wants to contribute to the prospective growth of Eastern European companies.

Annual expense ratio of the fund is 0.50% * p.a. (as of 01.02.2017), which also includes management fees.

An equity fund that follows the MSCI Emerging Markets Asia index, which includes the shares of companies from China, India, South Korea, Taiwan and other developing markets in the Asian region. Riskier-than-average investment. A euro-denominated fund.

An exchange-traded equity fund, which is suitable for an investor who wants to contribute to the potential growth of companies in the developing markets of Asia.

The annual expense ratio of the fund is 0.20%* (as at 03 October 2017), which also includes, among other things, the fund’s management fees.

Follows the MSCI Emerging Markets Index that invests into the companies of South Korea, Taiwan, China, South Africa, Brazil, Russia and other developing markets. Broad-based fund investing on the developing markets. Investment bearing medium risk. The currency of the fund is the euro.

Fund traded on the stock market, which is suitable for an investor who wants to invest into the developing markets.

Annual expense ratio of the fund is 0.75% * p.a. (as of 08.09.2017), which also includes management fees.

Follows the MSCI Russia Capped Index investing in major Russian companies. Riskier-than-average investment. The currency of the fund is the euro.

Share fund traded on the stock market, which is suitable for an investor who wants to invest into major Russian companies.

Annual expense ratio of the fund is 0.65% * p.a. (as of 22.05.2017), which also includes management fees.

The bond fund follows the Markit iBoxx USD Liquid Investment Grade index. The fund invests in global corporate bonds listed in dollars. It is a very broad-based fund. Investment with a lower risk level. Dollar-denominated fund, trading in euro.

An exchange-traded equity fund, which is suitable for an investor who wants to broadly invest in global bonds.

The annual expense ratio of the fund is 0.20%* (as at 08 September 2017), which also includes, among other things, the fund’s management fees.

The bond fund follows the Barclays Global Aggregate Corporate Index. The fund invests into the bonds of companies with an investment grade on both the developing and developed markets. Investment with a very low risk level. The currency of the fund is the euro.

Publicly traded bond fund that suits an investor with a very low tolerance for risk, who wants to make broad-based investments into companies with investment grade funds.

Annual expense ratio of the fund is 0.25% * p.a. (as of 08.09.2017), which also includes management fees.

Follows the MSCI Emerging Markets Latam index, which invests mainly in the companies of Brazil, Mexico, Chile and Columbia. Higher risk investment. A euro-denominated fund.

An exchange-traded equity fund, which is suitable for an investor who wants to contribute to the potential growth of major Latin-American companies.

The annual expense ratio of the fund is 0.20%* (as at 28 July 2017), which also includes, among other things, the fund’s management fees

LHV World Equities Fund invests into the global stock markets. The fund’s portfolio has been dispersed between the developed markets (e.g. Western Europe, USA, Japan) and the developing markets (e.g. Asia, Latin America, Eastern Europe). Investment with a lower-than-average risk level. The currency of the fund is the euro.

This traditional share fund is a suitable investment for those who want to make long-term investments in the global stock market.

Annual expense ratio of the fund is 2.46% * p.a. (as of 13.09.2017), which also includes management fees.

LHV Persian Gulf Fund invests into the companies of the GCC (Gulf Cooperation Council) – companies traded on the stock markets of the United Arab Emirates, Qatar, Saudi Arabia, Oman, Kuwait, and Bahrain. Riskier-than-average investment. The currency of the fund is the euro.

The fund sees growth and potential outside the energy sector. This is why most of the investments are made into companies within the banking, insurance, infrastructure, communications, construction and utilities sector.

This traditional share fund is a suitable investment for those who want to make long-term investments in the stock markets of the Middle East.

Annual expense ratio of the fund is 2.74% * p.a. (as of 17.02.2017), which also includes management fees.

Follows the MSCI Total Return Net World index comprised of the shares of 23 developed countries. The index includes nearly 1600 companies, approximately 60% of which are located in the United States, with the remainder in Europe and Asia. Investment with a medium risk level. Dollar-denominated fund, trading in euro.

An exchange-traded equity fund, which is suitable for an investor who wants to contribute to the potential growth of major companies in developed countries.

The annual expense ratio of the fund is 0.19%* (as at 20 February 2017), which also includes, among other things, the fund’s management fees

Follows MSCI Japan Investable Market index, which is comprised of Japan’s listed large, medium and small companies. The risk of this instrument investing in one country is mitigated by the historically stable economy of Japan. Investment with an above-average risk level. Dollar-denominated fund, trading in euro.

An exchange-traded equity fund, which is suitable for an investor who wants to contribute to the potential growth of the companies and economy of Japan.

The annual expense ratio of the fund is 0.20%* (as at 08 September 2017), which also includes, among other things, the fund’s management fees.

Follows the MSCI Pacific ex-Japan Index, which includes the shares of companies in Australia, New Zealand, Singapore and Hong Kong. Investment with a medium risk level. Dollar-denominated fund, trading in euro.

An exchange-traded equity fund, which is suitable for an investor who wants to contribute to the potential growth of companies in Australia, New Zealand, Hong Kong and Singapore.

The annual expense ratio of the fund is 0.20%* (as at 26 September 2017), which also includes, among other things, the fund’s management fees.

The fund follows the MSCI Total Return Net USA index, the companies of which represent approximately 85% of the shares available on the US stock market. This is a very broad-based fund, focused only on companies listed in the United States. Investment with a medium risk level. Dollar-denominated fund, trading in euro.

An exchange-traded equity fund, which is suitable for an investor who wants to broadly invest in companies listed in the United States.

The annual expense ratio of the fund is 0.07%* (as at 20 February 2017), which also includes, among other things, the fund’s management fees.

Follows the S&P Euro High Yield Dividend Aristocrats Index. The fund is designed to measure the performance of the 40 highest dividend-yielding Eurozone companies within the S&P Europe Broad Market Index and have a managed dividends policy of increasing or stable dividends for at least 10 consecutive years. The currency of the fund is the euro.

The fund is suitable for an investor who wants to invest their money into dividend paying European equities

Annual expense ratio of the fund is 0.30% * p.a. (as of 08.09.2017), which also includes management fees.

Follows the S&P 500 Dividend Aristocrats Index. Via the fund, it is possible to take part in the performance of S&P 500 index companies that have increased their dividends for at least 25 consecutive years. Since its inception, the index has demonstrated a better rate of return and a lower level of volatility than the S&P 500. Dollar-denominated fund, trading in euro.

The fund is suitable for investors who are looking to contribute to companies paying stable dividends, which are listed on US exchanges.

The annual expense ratio of the fund is 0.35%* (as at 15 February 2017), which also includes, among other things, the fund’s management fees.

Follows the DAX index which constitutes of 30 largest and most traded companies in Germany. Riskier-than-average investment. The currency of the fund is the euro.

The fund is suitable for an investor who wants to invest their money into German economy through large companies.

Annual expense ratio of the fund is 0.16% * p.a. (as of 13.09.2017), which also includes management fees.

* Proportion of fund's net assets which are used for covering on-going expenses on the fund. Ongoing Charges derives its meaning from the context of UCITS KIID document and includes management and administration related costs, but excludes transaction fees paid by the fund.

Terms and conditions and additional information