Credit notes
4.9.2012
Regular yield in your investment portfolio
The credit note is an investment that offers a
Why consider credit notes?
company to which each credit note is linked. The investment is not capital guaranteed. We offer five different credit notes, from which you can choose the option that best suits your portfolio. You will usually achieve the best results by diversifying your invest-
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ment over several notes.
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Saving and investing has traditionally consisted of bank deposits and investments in equities and funds. Historically, equity investments have generated good returns, but the risks are high and if the equity markets decline, investors stand to lose money. For example, since 1989, the Helsinki Stock Exchange has experienced three periods during which shares listed on it have lost more than two-thirds of their value. Investors who are unwilling to expose their money to such risks keep their funds in very lowyield fixed-income investments, such as bank accounts. Accounts and deposits are a safe option, but in times of low interest rates, the yield they generate is lower than inflation, i.e. their real yield is negative. For investors looking for a better yield than deposit interest rates but who are unwilling to take the risk of equity investments, credit notes offer a new and attractive investment option.
regular yield paid four times a year. The yield