Change language:
Image

Smart investing, made simple

Robo-Advisor

Paragraphs

Automated investment solution that makes investing easy. It manages a personalized investment portfolio tailored to your goals and preferences, helping you set up investments effortlessly. 

Start investing now—anytime, anywhere!
Exclusively available in the app.

From an idea to a solution in only 15 minutes
Starting from just 10 euros
No previous experience needed

How to start?

#1 You should be an SEB client

  1. Open Investment account.
  2. Top it up.

#2 Begin Robo-Advisor journey 

  1. Download SEB Mobile App.
  2. Choose "Investments" and fill the questionnaire.

#3 Start investing

  1. Review investment proposal.
  2. Set up your investments and become an investor.

Why choose Robo-Advisor?

  • Personalized strategy. Robo-Advisor will provide investment recommendation suitable for you.
  • No minimum fixed fees. Just monthly fee in proportion of your investment value.
  • Available exclusively in the app under the Investments section for a seamless  and accessible investment experience.
Media
Image

Fees

Agreement Free of charge
Transaction feesFree of charge
Management fee0,80 % per year (VAT included)*
ExampleFor every 100 euros you invest, the annual costs and charges would be around 0.80 euros  (which will be charged monthly – amounting to about €0.07 per month).

* Instrument ongoing fee is included in instrument prices and you pay it indirectly. These are charged by fund management company. And depending on instrument these fees are 0.1-0.17% per year. 

Read more about ETF portfolio

Where will your money be invested?

Your money will be invested in ETFs (Exchange-Traded Funds), which include stocks of the largest US, EU, and emerging market companies, as well as corporate and government bonds.

Depending on your investor profile, one of four portfolio strategies will be selected:

  • Defensive – low risk, primarily bonds;
  • Balanced – medium risk, mix of stocks and bonds;
  • Growth – medium risk, more focus on stocks;
  • Maximum Growth – high risk, fully invested in stocks.

Each strategy is designed to match your goals and risk tolerance.

Start investing today!

The Robo-Advisor simplifies the process, helping you make smarter financial decisions tailored to your goals.

For more details, visit the "Investments" section in the SEB mobile app.

Google Play link
App Store Link

Investments calculator

 

Frequently asked questions

SEB Robo-Advisor is an automated investment  solution designed to make investing easy. Based on your answers, it provides personalized portfolio strategy  and helps you set up investments effortlessly.

SEB Robo-Advisor has minimal investment 10 euros, making investing accessible to everyone. With SEB Robo-Advisor, you get expert guidance while we handle the entire investment process for you—simple and effortless.

Anyone over 18 years old can start using Robo-Advisor. It’s perfect for those new to investing and unsure where to begin. 

The service is intended for private individuals in Latvia, Estonia and Lithuania only. 

The Robo-Advisor suggests a suitable portfolio based on your investment goals, preferences, and financial situation. It’s important to provide accurate and up-to-date investor data, as this information forms the basis for selecting the most appropriate portfolio.

You can make additional investments or withdraw funds only via the SEB mobile app. The app allows you to set up regular contributions, make one-time investments, or withdraw part or all of your portfolio at any time.

Yes! Once your ETF portfolio is set up, you can adjust it easily in the Investments section of the SEB mobile app. 

Here’s what you can do:

  • Add more funds. 
  • Withdraw investments. 
  • Modify regular investments. 
  • Update your investor data. 
  • Terminate the service. 

Trade orders are executed weekly on Tuesdays.

In exceptional cases, i.e. holidays on Tuesday in specific countries or markets where trades are executed, market disruptions or other unforeseen circumstances, orders may be initiated on the next possible trading day or the following Tuesday.

Settlements require 3 additional business days, therefore withdrawal of funds from your investment portfolio account may take up to 8 business days (or up to 14 business days in rare cases) after the submission of your withdrawal request. 

Yes! You can open multiple Robo-Advisors  to manage different investment goals. It’s a flexible solution tailored to your needs. 

When using the Robo-Advisor service, you choose a current or investment account  to fund your portfolio. SEB will also open dedicated investment  and securities accounts for managing your portfolio. These accounts are used solely for the service and cannot be accessed directly.

If you want to stop using the Robo-Advisor, follow these steps: 

  • Submit a termination request in the SEB mobile app. 
  • Go to the Investments section, open your securities account.
  • Click button (...) and choose Terminate the Service.

ETF stands for Exchange-Traded Fund. Like an investment fund, it pools money from investors to buy assets. However, unlike regular funds, ETFs are traded on the stock exchange like stocks.

Read more about ETF

Taxes depend on the account you use: 

  • If you choose an investment account for investing: The portfolio’s investment account (opened by Bank) is linked to your selected investment account, so transfers between them aren’t treated as contributions or withdrawals. When you withdraw funds or end the service, money goes back to your selected investment account, and no tax is due yet. Tax is only paid when withdrawals from main investment account exceed your total contributions. We provide an annual overview showing both accounts. 
  • If you choose a current account for investing: Transfer of funds between current account and portfolio’s investment account (opened by Bank) are considered as contributions or withdrawals from the portfolio’s investment account. Thus, if the withdrawals from the portfolio’s investment account exceed the contributions made to it, a capital gain tax needs to be paid.

For detailed information, refer to our prepared guide on Personal Income Tax  or more details about ETF portfolio management service

Yes, SEB regularly monitors and rebalances your portfolio to keep it in line with your selected risk level. We also reassess its suitability based on the latest investor data you provide, so keeping your information up to date is important. 

You’re in charge of the big picture — like how much to invest, how often, when to start or stop, and keeping your investor information up to date. From there, SEB’s investment experts take care of the rest. We manage your portfolio for you, making smart investment decisions and choosing a well-diversified mix of cost-effective ETFs that match your goals.

We assess whether your portfolio remains suitable based on your latest investor data. If your data becomes outdated or you experience major changes in your financial situation, it’s important to update it via the SEB mobile app. If you don’t update your data for 5 years, we will need to terminate the service and sell your investments.

If, after you update your information, the current portfolio is no longer suitable, we’ll inform you about the necessary changes and ask you to confirm them. You’ll have 21 days to accept the changes. If you don’t, we’ll terminate the agreement and sell the securities, as we can not be sure that portfolio is still suitable to you.

Micro-investments – alternative for simple investments

Suitable for those who wish to invest in ETFs by themselves with smaller amounts of money. 

  • You can invest starting from  1 EUR in index funds. 
  • S&P 500, Nasdaq 100 and other popular stock market indexes. 
  • You will select the investment amount and we will do the rest. 
  • You can choose to invest regularly or just when you want.
  • Available in our internet bank section Investments.

Before investing, we urge you to carefully read the documents and the terms and conditions, price list and information materials related to the investment services, the advised fund and ETF portfolio. Based on this information, you will be able to decide on your investments.
This material contains the information about AS "SEB banka" investment services or ancillary services. Investment products are subject to risks. Their value may fall as well as rise, and historic results and/or returns are not reliable indicators to expect future result and/or returns and are no guarantee of future result and/or returns. In certain cases you may lose the invested sum. Where either funds or you invest in securities denominated in a foreign currency, changes in exchange rates can impact the return. You alone are responsible for your investment decisions and you should always obtain detailed information before taking them.
More information about SEB investment services or ancillary services, is available on our website. Please read the Advisory terms and conditions and consult the staff of AS “SEB banka” if you need to. The portfolio management service is additionality subject to the respective terms and conditions of the portfolio management agreement, therefore please read them carefully.