Start investing immediately
The ABCs of investing
How to start investing at LHV?
First, enter into an LHV client agreement and then an investment services agreement, so that you can start using the free LHV securities account service. You can then enter into additional agreements for use of services through our Internet bank. Services such as Growth Account, Baltic Analysis and LHV Trader are available to you.
Separate your investments from everyday transactions
To make it easier to file tax returns, we recommend separating your investments from everyday settlements right at the start. To do so, open a new bank account and designate it as your investment account.
This allows you to defer the income tax on interest from LHV Group securities received on your account.
Select the product that interests you
Use the LHV investment product screener to view our products and services and select the ones you find suitable.
Investing for a child
Start by concluding a customer agreement and then open Growth Account for your child. Once your child is older than 7 years it is possible to order him/her a LHV Youth Card to help build a nest egg through microinvesting taking place in the background.
A convenient and automated way to transfer money to the Growth Account is by standing order. No management fee is charged on this account until the child reaches the age of 26.
Read more about the LHV Youth Bank.
Investing for individuals
The state has set up an investment account system for individuals. It can be used to defer taxation of capital gains until you withdraw more money than you have deposited.
Another option is to choose the ordinary system. In this case, you will be declaring the gains from securities transactions in the previous year and paying tax on the gains annually.
Investing via a company
If you would like to use a private limited company for investment, you will have to obtain a LEI code. Keep in mind that the company’s monthly accounting must be maintained, with tax returns filed each month.
In the Internet bank you can automatically generate an investment account report and send it to the Tax and Customs Board. Compared to doing it manually, this will simplify the process of filing taxes annually.
Read more about how to declare investment income on behalf of a child.