Even I finally dared to invest in such a completely irresponsible anti-ESG product.
That notice period has indeed prevented me from investing in these so far. Does anyone have an explanation for why it’s so long? Could a rapid mass exodus otherwise collapse the entire cooperative? Maximizing returns by keeping money invested for as long as possible for both the cooperative and the customer? Making cash flow predictable? Manual processing in olden times? Factors related to financial statements/regulation?
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I was reading through Tradeka’s profit share terms and conditions and would like to confirm the following: Do terminated shares accrue interest for the entire period that the capital is held by Tradeka? For example, if I terminate the shares in July, do I still receive interest for them on the next two interest payment dates, i.e., the first time in June of the following year and then again in June of the year after that (with the capital having been released at the previous year-end)?
When the interest is paid in June, has it accrued from the previous calendar year, or how does it work?
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"If you resign from Tradeka membership or for any other reason wish to terminate your profit share, the subscription price of the profit share will be refunded at the end of the year following the termination.
Depending on the time of termination, the shareholder will therefore receive the refund 1-2 years after termination. Interest will also be paid on the profit share for the period between termination and refund."
So yes, interest accrues. And in June, interest is paid specifically for the previous year.
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Got it. Thank you for your fast and very clear answer.
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Tradeka is offering 25 euro restaurant coupons again this year, and now you have the whole summer to use them.
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Restel is launching the Huili restaurant and cafe brand for Neste stations. The goal is to have about 40 of these:
Tradeka announced by email that member benefits are coming for Huili cafes later this year. In my opinion, the cooperation between Restel and Neste is interesting, considering Tradeka’s and St1’s cooperation, for example, with member cards.
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I haven’t received these yet, at least; I only joined in the spring, though. Do you have to have joined last year to get the coupons (and the magazine?)
The coupons have indeed already been mailed for this year. Joining at the beginning of this year was also enough, but perhaps your joining date was too late. Next year then.
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Tradeka’s Portfolio
(There is an error in Private Credit)
Tradeka has published its Q2 results:
Tradeka-Yhtiöt Group’s Q2’25 EBITA result of 8.6m€ was -1.2m€ weaker than the comparison period due to investment portfolio trades, as it realized accumulated valuation differences on the balance sheet into the accounting result. Investment operations’ Q2 EBITA was 1.1m€ better than the comparison period, and in YTD figures, 6.2m€ better than the comparison period. Business operations’ Q2’25 was sluggish, falling -2.3m€ short of the comparison period’s EBITA, with the YTD figures showing
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It seems to be 63.5 M€ in HY-loans. What are they? They are hardly loans granted to the Revivalist Association. Let’s ask AI-jail:
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Would it be High Yield, or a junk bond. Even when I invest in junk bonds myself, I use English names and abbreviations.
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I would also say from the context that it’s most likely a high yield loan, when the IG loan above would correspondingly be investment grade.
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Tradeka’s Q2 features a funny new term: ‘TACO-trade’, not ‘TACO-trend’.
“The second quarter started weakly with Trump’s tariff threats, but the stock markets quickly turned upwards after Trump postponed his demands. The TACO-trade continued strong until the end of the quarter. The return on long-term investments was slightly positive for the quarter.”
It’s nice when even financial reports can bring a smile to your face sometimes. When the term is used for the first time in the text, it should be spelled out: ‘Trump Always Chickens Out -trade’. 
Only after that can the abbreviation ‘TACO-trade’ be used. 
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There is indeed a huge chasm between the writer of this report and a basic member of Osuuskunta Tradeka.
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Well, probably no one else reads those reports except us here 
I also tend to skim them mainly with the attitude of seeing what the self-sufficiency ratio looks like, how investments are doing, and how poorly Tradeka’s own business is performing. But fortunately, one can rest assured that thanks to the cooperative’s strong capital, the fifty euros in profit shares are safe, even if the taco trades, trends, and ‘treads’ hit a snag.
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The return target for Tradeka’s profit shares remains at 4.75 percent in 2026.
I am withdrawing from these due to the long notice period.
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So, we’re going with familiar patterns. First, OP announces its own return target, and with a slight delay, Tradeka announces its own return target, which is 0.25% higher.
I have the maximum number of profit shares in Tradeka. I would buy more of OP, but new issues are rarely available around here and they are quickly subscribed.
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The board of Metsäliitto proposes a cut of approximately half a percentage point to the 2025 cooperative interest rates. The key interest products are basic shares, which are determined based on land area, and Metsä1 shares, into which wood trade proceeds and cooperative interest can be invested.
The board of Metsäliitto Cooperative proposes that for 2025, interest be paid at 5.0% on basic shares (5.5% for 2024), 4.5% on Metsä1 additional shares (5.0), 1.0% on A-additional shares (2.0), and 0.75% on B-additional shares (1.0).
In addition, the board proposes that a surplus refund of 0.30 euros per cubic meter of industrial roundwood received from a member during the previous four completed financial years be distributed.
I have so many Metsäliitto shares myself that I changed the interest payment to my bank account instead of Metsä1 shares.
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