perussijoitus

Perussijoitus is a term used in Finnish investing to describe the core or baseline investment portfolio that forms the foundation of an investor’s strategy. It is intended to provide broad diversification, cost efficiency, and long-term growth with a moderate level of risk, serving as the central pillar around which other investments are built.

A typical perussijoitus combines broad-market exposure to equities and fixed income. In practice, it is often implemented with low-cost index funds or exchange-traded funds (ETFs) that cover global markets, including developed and, where appropriate, emerging regions, together with a global bond component. The exact asset mix depends on the investor’s risk tolerance and time horizon; common examples range from more equity-heavy allocations for younger investors to more balanced or bond-heavy mixes for those nearer retirement.

Implementation and maintenance emphasize simplicity and discipline. The core portfolio is usually designed for long-term holding and is periodically rebalanced to maintain the target risk profile. Rebalancing is commonly done on an annual basis or when allocations drift significantly due to market movements. The perussijoitus is often described as the foundation in a core-satellite approach, where satellites are smaller, specialized investments added for potential additional return or thematic exposure.

Benefits include built-in diversification, low costs, and ease of management, making it suitable for beginners and time-constrained investors. Risks are market-related and include volatility and inflation risk; currency exposure may arise with international holdings. Perussijoitus is commonly used by financial advisers and robo-advisors as a starting point for constructing a practical, long-term investment plan.