Our clients who want to start investing often face the question: where is the best place to do it? Get to know two user-friendly solutions that allow you to invest in ETFs (exchange-traded funds) even with small amounts – both automatically and with the option to select funds independently.
Robo-Advisor and Micro-investments – which solution is more suitable for you?
Scroll the table horizontally, in order to see more information on different service plans.
Service name | 
Robo-Advisor | 
Micro-investments |
|---|---|---|
| Suitable for | Beginners | Beginners / Experienced |
| Investor engagement level | Low | Medium |
| Investment type | Bank-managed ETF* portfolios | ETF* funds |
| Investment approach | Automated | Manual |
| Minimum investment | 10 euros | 1 euro |
| Standing orders | ||
| Portfolio development | Automated | Self-directed |
| Risk level | Low Medium High | Depends on chosen ETF |
| Prior knowledge | Not required | Recommended |
| Tax report overview | ||
| Contract signing | Free | Free |
| Transaction fee | Free | 0,80% per transaction |
| Management fee | 0,80% per year** | 0,015% per month |
| Payout | up to 8 business days | up to 8 business days |
| Multiple portfolios | ||
| Customer support | ||
| Available in | SEB mobile app "Investments" section | SEB internet bank "Investments" section |
| Start investing | Mobile App | Internet bank |
*ETF – exchange-traded funds
** For every 100 euro invested, the annual fee and charges will be approximately 0.80 euros. Respectively, about 0.07 euros deducted monthly.
Useful
Keep money for investing separately on an investment account
An investment account helps simplify tax payments. You’ll only have to pay taxes if you withdraw more from the account than you’ve paid into it.
- Recommended for transactions with funds, stocks, bonds, and ETFs.
- An opportunity to defer the payment of personal income tax.
- Convenient transparent transactions in various financial instruments.
- At the end of the year, we’ll prepare an account statement, which you can use to simplify the preparation of your income declaration.
