Grow Your Wealth
Grow Your Wealth
Take your finances to the next level.
Learn to plan your finances that cover your needs, save for items that matter for you the most, and invest with confidence.
By ensuring that you have 3-6 months’ worth of living expenses saved up, you can easily handle unexpected financial challenges. Open a savings account to start your emergency fund.
Save for a bigger item, such as a mortgage down payment or a new car, using term deposit. Deposit money into a separate account for a fixed term and a fixed guaranteed interest rate.
Secure retirement
Contribute to your future by investing in II and III pillar pension funds, providing additional income during your golden years. Save up with Luminor pension funds for a wealthier retirement. Read more about possible benefits and investment risks.
Grow your wealth through investing into stocks, bonds, exchange traded funds (ETFs), or mutual funds for your financial independence.
Start your investment journey with Luminor Investor platform.
Dividing your portfolio into 20 % short-term and 80 % long-term assets helps manage the risk. 20 % gives you flexibility and lower risk, while 80 % aims for more significant growth while accepting higher risk over time. It’s a balanced approach for your long term financial planning.
Saving for a vacation or a new gadget! This part of your portfolio ensures that you have funds available for unexpected expenses or upcoming purchases without dipping into long-term savings.
Emergency fund: Save 3-6 months‘ living expenses in a savings account for unexpected events like loss of a job, medical emergency, or major repair.
Short-term goals: Save for goals like a car, vacation, or a house down payment with a savings account or term deposit.
This part of portfolio helps to build a better financial future. Such allocation strategy encourages disciplined financial planning and prioritizes building wealth over time rather than immediate spending.
Retirement Savings: Invest in pension funds for added financial security in retirement age and use available tax benefits*. Read more about possible benefits and investment risks here.
Investment Portfolio: Turn your savings into long‑term investments to meet your personal financial goals with the variety of choices available in Luminor Investor platform.
Wealth Accumulation Goals: Save for goals like own home, entrepreneurship, or financial independence, considering time horizon and your risk tolerance.
Short-term savings solutions
Savings account
Establish an emergency fund or save for the future of your children
Term deposit
Safe way to grow your money with fixed interest rate
Long-term savings solutions
Pension
Accumulate for your golden years in Luminor pension funds.
Read more about possible benefits and investment risks here
ETF portfolios
Convert your savings into investments with ETF portfolios, which are managed by BlackRock**
Luminor Investor
Investment platform with more than 15 000 financial instruments, including stocks, bonds, ETFs and mutual funds
Not sure how to start?