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Growth Account is the easiest way for long-term investment

  • You can invest starting from EUR 1 in both index funds and stocks
  • Payments can be either regular or one-time
  • Make payments conveniently with the aid of micro-investments
  • We perform securities transactions on your behalf
  • Conclusion of an agreement is free of charge
  • There is also no management fee in the first year

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

A Growth Account is flexible and easy to open

  • 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.

Campaign rules

  • The campaign runs from 20 November to 3 December 2024
  • The campaign participants are all 18-25-year-olds who open an LHV Growth Account (Kasvukonto) during the campaign period
  • Only the first Growth Account will be credited with 5 euros on the Wednesday following the account opening. The transfers will take place on 27 November 2024 and 4 December 2024.
  • Employees of LHV Pank and companies belonging to the same group as LHV Pank as well as their family members cannot take part in the campaign.
  • Clients who have debt to LHV Pank cannot take part in the campaign.

Selection of securities for automatic investments

Securities

Themes and regions

Risk and expected returns

Lower

Higher

Gold

Gold

risk/return profile: 4

LHV World Equities

LHV World Equities

risk/return profile: 4

Global enterprises

Global enterprises

risk/return profile: 6

Corporate bonds (dollars)

Corporate bonds (dollars)

risk/return profile: 4

Corporate bonds (euros)

Corporate bonds (euros)

risk/return profile: 4

Silver

Silver

risk/return profile: 5

Precious metals

Precious metals

risk/return profile: 4

Nordic companies

Nordic companies

risk/return profile: 6

Corporations of developed countries

Corporations of developed countries

risk/return profile: 6

Australian and Asian major corporations

Australian and Asian major corporations

risk/return profile: 6

Blue-chip companies of eurozone

Blue-chip companies of eurozone

risk/return profile: 6

Large European companies

Large European companies

risk/return profile: 6

Eurozone dividend payers

Eurozone dividend payers

risk/return profile: 6

German government bonds

German government bonds

risk/return profile: 3

Digitalisation

Digitalisation

risk/return profile: 6

E-sports

E-sports

risk/return profile: 6

Electric cars

Electric cars

risk/return profile: 7

100 biggest US technology companies

100 biggest US technology companies

risk/return profile: 6

Smaller US companies

Smaller US companies

risk/return profile: 7

500 largest companies in the US

500 largest companies in the US

risk/return profile: 6

Medium and large US companies

Medium and large US companies

risk/return profile: 6

US dividend payers

US dividend payers

risk/return profile: 6

German companies

German companies

risk/return profile: 6

Japanese companies

Japanese companies

risk/return profile: 6

Emerging market companies

Emerging market companies

risk/return profile: 6

Eastern European companies

Eastern European companies

risk/return profile: 6

Asian developing market companies

Asian developing market companies

risk/return profile: 6

Latin American largest companies

Latin American largest companies

risk/return profile: 7

Chinese companies

Chinese companies

risk/return profile: 6

Indian companies

Indian companies

risk/return profile: 6

Water

Water

risk/return profile: 6

Real estate

Real estate

risk/return profile: 6

Infrastructure

Infrastructure

risk/return profile: 6

Commodities

Commodities

risk/return profile: 5

Sustainably-focused enterprises

Sustainably-focused enterprises

risk/return profile: 6

Clean energy producers

Clean energy producers

risk/return profile: 7

Cybersecurity

Cybersecurity

risk/return profile: 6

Automation and robotics

Automation and robotics

risk/return profile: 6

Medicine

Medicine

risk/return profile: 6

Products and services for the elderly

Products and services for the elderly

risk/return profile: 6

Health innovators

Health innovators

risk/return profile: 6

Luxury brands

Luxury brands

risk/return profile: 6

Consumer goods

Consumer goods

risk/return profile: 5

Dividend payers

Dividend payers

risk/return profile: 6

Bitcoin

Bitcoin

risk/return profile: 6

Ethereum

Ethereum

risk/return profile: 7

US treasury bonds

US treasury bonds

risk/return profile: 3

Gold

The fund invests in physical gold.

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
XAD5
Symbol
Xtrackers Physical Gold ETC
Currency
euro
The fund’s percentage rate of charge
0.25%

LHV World Equities

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
LHV World Equities Fund
Symbol
LHVWORLDA
Currency
euro
The fund’s percentage rate of charge
2.22%

Global enterprises

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Vanguard FTSE All-World UCITS ETF
Symbol
VWRL
Currency
euro
The fund’s percentage rate of charge
0.22%

Corporate bonds (dollars)

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares $ Corp Bond UCITS ETF
Symbol
LQDA
Currency
euro
The fund’s percentage rate of charge
0.20%

Corporate bonds (euros)

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Global Corp Bond EUR Hedged UCITS ETF
Symbol
CRPH
Currency
euro
The fund’s percentage rate of charge
0.25%

Silver

The fund invests in physical silver.

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Xtrackers Physical Silver ETC
Symbol
XAD6
Currency
euro
The fund’s percentage rate of charge
0.40%

Precious metals

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
WisdomTree Physical Precious Metals
Symbol
VZLE
Currency
euro
The fund’s percentage rate of charge
0.44%

Nordic companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Amundi MSCI Nordic UCITS ETF
Symbol
CN1
Currency
euro
The fund’s percentage rate of charge
0.25%

Corporations of developed countries

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
MSCI World Index UCITS ETF
Symbol
XDWD
Currency
euro
The fund’s percentage rate of charge
0.19%

Australian and Asian major corporations

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core MSCI Pacific ex-Japan UCITS ETF
Symbol
SXR1
Currency
euro
The fund’s percentage rate of charge
0.20%

Blue-chip companies of eurozone

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Lyxor MSCI EMU Value UCITS ETF
Symbol
VAL
Currency
euro
The fund’s percentage rate of charge
0.40%

Large European companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares STOXX Europe 600 UCITS ETF
Symbol
EXSA
Currency
euro
The fund’s percentage rate of charge
0.20%

Large European companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core MSCI Europe UCITS ETF
Symbol
IMAE
Currency
euro
The fund’s percentage rate of charge
0.12%

Eurozone dividend payers

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
SPDR® S&P® Euro Dividend Aristocrats UCITS ETF
Symbol
SPYW
Currency
euro
The fund’s percentage rate of charge
0.30%

German government bonds

The fund invests in German government bonds.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Germany Government Bond UCITS ETF
Symbol
X03G
Currency
euro
The fund’s percentage rate of charge
0.15%

Digitalisation

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Digitalisation UCITS ETF
Symbol
DGTL
Currency
euro
The fund’s percentage rate of charge
0.40%

E-sports

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
VanEck Vectors Video Gaming and eSports UCITS ETF
Symbol
ESP0
Currency
euro
The fund’s percentage rate of charge
0.55%

Electric cars

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Electric Vehicles and Driving Technology UCITS ETF
Symbol
ECAR
Currency
euro
The fund’s percentage rate of charge
0.40%

100 biggest US technology companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares NASDAQ-100® UCITS ETF
Symbol
EXXT
Currency
euro
The fund’s percentage rate of charge
0.31%

Smaller US companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Russell 2000 UCITS ETF
Symbol
XRS2
Currency
euro
The fund’s percentage rate of charge
0.30%

500 largest companies in the US

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core S&P 500 UCITS ETF
Symbol
SXR8
Currency
euro
The fund’s percentage rate of charge
0.07%

Medium and large US companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
MSCI USA Index UCITS ETF (DR) 1C
Symbol
XD9U
Currency
euro
The fund’s percentage rate of charge
0.07%

US dividend payers

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
SPDR® S&P® U.S. Dividend Aristocrats UCITS ETF
Symbol
SPYD
Currency
euro
The fund’s percentage rate of charge
0.35%

German companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core DAX® UCITS ETF
Symbol
EXS1
Currency
euro
The fund’s percentage rate of charge
0.16%

Japanese companies

The fund invests in Japanese enterprises (e.g. Toyota, Mitsubishi, Sony, Honda).

Fund's performance graph, additional information, fund's key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core MSCI Japan IMI UCITS ETF
Symbol
IJPA
Currency
euro
The fund’s percentage rate of charge
0.15%

Emerging market companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares MSCI EM UCITS ETF
Symbol
IEMM
Currency
euro
The fund’s percentage rate of charge
0.18%

Eastern European companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Amundi MSCI Eastern Europe Ex Russia UCITS ETF Acc
Symbol
LEERD
Currency
euro
The fund’s percentage rate of charge
0.50%

Asian developing market companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
AMUNDI ETF MSCI EM ASIA UCITS ETF
Symbol
AASI
Currency
euro
The fund’s percentage rate of charge
0.20%

Latin American largest companies

The fund mainly invests in Brazilian, Mexican, Chilean and Colombian enterprises.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
AMUNDI ETF MSCI EM LATIN AMERICA UCITS ETF
Symbol
ALAT
Currency
euro
The fund’s percentage rate of charge
0.20%

Chinese companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Xtrackers CSI300 Swap UCITS ETF
Symbol
XCHA
Currency
euro
The fund’s percentage rate of charge
0.50%

Chinese companies

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares MSCI China A UCITS ETF
Symbol
CNYA
Currency
euro
The fund’s percentage rate of charge
0.50%

Indian companies

The fund invests in the biggest Indian companies (e.g. Tata, Infosys).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Amundi ETF MSCI India UCITS ETF
Symbol
CI2
Currency
euro
The fund’s percentage rate of charge
0.80%

Water

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Global Water UCITS ETF
Symbol
IH2O
Currency
euro
The fund’s percentage rate of charge
0.65%

Real estate

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
SPDR® Dow Jones Global Real Estate UCITS ETF
Symbol
SPYJ
Currency
euro
The fund’s percentage rate of charge
0.40%

Infrastructure

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Global Infrastructure UCITS ETF USD (Dist)
Symbol
INFR
Currency
euro
The fund’s percentage rate of charge
0.65%

Commodities

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Diversified Commodity Swap UCITS ETF
Symbol
SXRS
Currency
euro
The fund’s percentage rate of charge
0.19%

Sustainably-focused enterprises

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Dow Jones Global Sustainability Screened UCITS ETF
Symbol
IGSG
Currency
euro
The fund’s percentage rate of charge
0.60%

Clean energy producers

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Global Clean Energy UCITS ETF
Symbol
INRG
Currency
euro
The fund’s percentage rate of charge
0.65%

Cybersecurity

The fund invests in enterprises engaged in the field of cybersecurity.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
L&G Cyber Security UCITS ETF
Symbol
ISPY
Currency
euro
The fund’s percentage rate of charge
0.69%

Automation and robotics

The fund invests in enterprises engaged in the field of robotics and automation.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Automation & Robotics UCITS ETF
Symbol
RBOT
Currency
euro
The fund’s percentage rate of charge
0.40%

Medicine

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Xtrackers MSCI World Health Care UCITS ETF 1C
Symbol
XDWH
Currency
euro
The fund’s percentage rate of charge
0.25%

Products and services for the elderly

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Ageing Population UCITS ETF
Symbol
AGED
Currency
euro
The fund’s percentage rate of charge
0.40%

Health innovators

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Healthcare Innovation UCITS ETF
Symbol
HEAL
Currency
euro
The fund’s percentage rate of charge
0.40%

Luxury brands

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Amundi S&P Global Luxury UCITS ETF
Symbol
GLUX
Currency
euro
The fund’s percentage rate of charge
0.25%

Consumer goods

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
SPDR® MSCI Europe Consumer Staples UCITS ETF
Symbol
STS11
Currency
euro
The fund’s percentage rate of charge
0.18%

Dividend payers

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

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares STOXX Global Select Dividend 100 UCITS ETF
Symbol
ISPA
Currency
euro
The fund’s percentage rate of charge
0.46%

Bitcoin

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, lisainfo, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Bitcoin Tracker Euro
Symbol
COINXBE
Currency
euro
The fund’s percentage rate of charge
2.50%

Ethereum

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

Risk and return profile

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Name of the fund
Ether Tracker Euro
Symbol
COINETHE
Currency
euro
The fund’s percentage rate of charge
2.50%

US treasury bonds

The fund invests in US government bonds.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

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Name of the fund
JPM BetaBuilders US Treasury Bond
Symbol
BBTR
Currency
euro
The fund’s percentage rate of charge
0.07%

No funds

Microinvestment with Growth Account

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.

Conclude the agreement

If you do not have a Growth Account yet, first conclude an Investment Services Agreement and Growth Account Agreement.

Activate and configure

Activate microinvestment service at Growth Account’s settings page located in the internet bank. If you wish, you can set an upper limit to the microinvestment sum for smaller payments.

Pay with debit card

Pay with LHV’s debit card and invest with every payment. Microinvestment also works with a virtual debit card.

Please note! The microinvestment sum is not reserved automatically after each debit card payment. The card payments made during a 24-hour period are accumulated and on the next day the total sum will be calculated to be transferred to your Growth Account as a microinvestment.

If you do not have sufficient funds for the microinvestment at the time of the payment, then a) as much as possible will be taken from your account or b), if your account balance is zero, nothing is taken.

If you wish to stop making microinvestments, you can cancel the service in the internet bank.

Calculation of microinvestment

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.

Smaller payments

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.

Open a Growth Account for your child

  • 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.

Certificate

Growth Account for home loan down payment

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.

How long would it take to collect the down payment for the home loan via investing in comparison to saving?




Purchase price of the property

100000

Down payment

%15

Monthly savings

150

Yearly yield

%7

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.

Price list

Conclusion of agreement

Free of charge

Fee for a purchase transaction

1%

Fee for a sales transaction

0.14% of trade value, min 9 €

LHV funds charge 1% fee, max 3 €

0 € is applied if the client sells Growth Account funds for home loan down payment before the loan money is paid out *

Management fee

0.02% per month (from 0,5 €; 0.01% on sums over 30,000 €), plus VAT; first year without management fee; management fee for persons under 26 years of age is 0 € **

Income and expense calculator for securities transactions

* 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.

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