sijoitussäästöohjelma

Sijoitussäästöohjelma, often translated as an investment savings program or investment savings plan, is a method of investing in financial markets on a regular and systematic basis. Instead of making a single large investment, individuals commit to investing a fixed amount of money at predetermined intervals, such as monthly or quarterly. This approach is designed to help individuals build wealth over time through consistent contributions and the power of compounding.

The primary advantage of a sijoitussäästöohjelma is its ability to mitigate market timing risk. By investing regularly, investors are not attempting to predict market peaks and troughs. Instead, they buy more units when prices are low and fewer units when prices are high, which can lead to a lower average cost per unit over the long term. This strategy is known as dollar-cost averaging or, in Finnish, "ajallinen hajauttaminen".

These programs typically involve investing in a diversified portfolio of assets, such as mutual funds, exchange-traded funds (ETFs), or stocks. The specific investment choices within a sijoitussäästöohjelma can vary depending on the provider and the investor's risk tolerance and financial goals. Many financial institutions and investment platforms offer such programs, making them accessible to a wide range of investors, including those who may not have substantial capital to invest upfront. The regularity of contributions also encourages discipline in saving and investing.