I don’t mind continuing, I see OP’s reforms in bonuses as neutral and forced actions. This taxation doesn’t change anything; it’s only about roughly a hundred euros annually in my case, which capital gains tax eats up, and because OP decided to increase the accumulation, I still end up with slightly more than before.
OP has been my only bank since 2003, and concentrating keeps me a satisfied OP customer in the future, as banking services and cards are largely free, and I will probably never need to switch banks. More money goes into index funds every month than the mortgage is paid down, and since both accumulate bonuses, they will also grow annually in the future. The goal is completely free insurance premiums someday and to remain a satisfied bank customer who focuses on other more important things.
EDIT: Yes, I also have an S-Bank credit card, but only as a backup payment card, which I hopefully never have to use for actual payments. The only money transfers through S-Bank are when I transfer realized funds accumulated with S-bonuses to OP for further investment; so far, I’ve only needed to do this once last year when I reinvested over 700 euros back into stocks at OP. It’s good to have that backup card, of course.
After which, for example, the OP World Index has annual costs of 0.145% and also covers emerging markets. That’s not a bad deal, is it? Is there a cheaper index fund to cover the whole world?
Well, apparently not. I recalled having looked into it earlier and thought it would have been there. ETF funds certainly have lower fees, but then they usually come with additional trading fees. Even in Nordnet, there might be some fee per ETF fund when saving monthly? For index funds investing globally, I myself have used Storebrand Global, where the fees are 0.31% per year. Of course, I haven’t looked into alternatives in a while.
In my opinion, those OP bonuses just got stronger again. For me too, the mortgage margin is practically 0.14% now that I can also withdraw the bonuses as cash. I don’t even have any other insurance than traffic insurance, but now there’s also an opportunity for competitive bidding since the bonuses can be used elsewhere.
Similar story for me. Now I just need to find out what the monthly fee for the OP Platinum card is in 2026. Currently, it’s 0 euros until the end of 31.12.2025. Maybe a Black Friday offer could surprise?
This was known, though I don’t recall if it was like this before. OP bonuses, however, have been growing for almost 9 consecutive years. My mortgage principal decreases by 234 euros per month, while 450 €/month goes into index funds, so I suppose that should compensate for the situation in the future as well.
However, bonuses after tax are better than no bonuses at all, ceteris paribus. At least in our household, it’s still the cheapest option for banking (and insurance). Investments are with Nordnet, but otherwise, I’ve been satisfied with OP. Hopefully, the investment side will develop a bit more vigorously in the future.
I’m a bit ‘falling between the cracks’ when it comes to OP’s bonuses, as I don’t have a loan or investments there. Back when I still had a mortgage, I received bonuses and used them for insurance. Now that I no longer receive bonuses, I might review my insurances, since I have to pay for them with my own money.
The bonus reform seems quite nice. When the average interest rate of the loan portfolio is below 1.2% until the mid-2030s and bonuses start to be received as cash, it’s not a bad overall package.
It’s a shame that credit card purchases no longer earn bonuses, as the bill is always paid off in full at the end of the month. Even at the beginning of the last decade, bonuses used to trickle in from that too.
I looked at my insurance policies, and OP’s landlord insurance is a rather poor product in terms of its conditions, but I’ve acquired it due to bonus spending. Has anyone on the forum found this product to be sensible?
This Matias Siltanen is an amazing case! After the euphoria of the double championship faded, Siltanen moved from Kuopion Palloseura to the Swedish big club Djurgården for 1.2 million euros.
His excellent performances have continued in Allsvenskan, and in Djurgården, the 18-year-old Siltanen’s price tag has, even by conservative estimates, increased tenfold. The media talks about over 200 million Swedish kronor, or even 20 million euros.
Finland’s transfer record is around 13 million euros. That’s how much Russian club Rubin Kazan paid Ukrainian Dynamo Kyiv for Finnish midfield maestro Roman Eremenko in 2011.
Here’s some good news to brighten up Monday. For Heliövaara – and also for Patten – this tournament victory is one of the biggest of their careers. The duo has won two Grand Slam tournaments, but at the next highest level, in Masters 1000 tournaments, neither had previously even reached a final.
*– Of course, Grand Slams are still a notch higher, but ATP 1000 has been the missing piece in the collection. Now we’ve played through all tournaments at the ATP level.
Let’s go back to 2021. On the forum, novice (?) investors are planning to follow model portfolios as an investment strategy, including Inderes’.
Everything still looks good and the track record is long. The only direction can be northeast. 60€ for Harvia shares is a perfectly fine price. I myself also bought all sorts of junk around that time, following the big boys. Now I’d be interested
Apparently, Inderes’ ownership list still hasn’t been updated, I hope for it at least as a Christmas present . Was it now like this @Verneri_Pulkkinen, that it doesn’t really belong to one specific person and requires some action at the office, meaning it doesn’t update automatically!? Of course, this Monday morning at 09:39, one would think someone would be at the office
That falls under the IR team’s purview, but I won’t crucify anyone further
As I understand it, the lists are obtained very manually from Euroclear, so there are indeed still steps requiring human intervention. It should update during the day; grill them more tomorrow if the updated list doesn’t appear!
The product development department will probably take this on? This should definitely be automated. A repetitive, easily(?) scriptable task that doesn’t even need any AI…
The only potential human step should be “a pair of eyes checks and approves the publication”
And I’m doing Vartti from home right now.