How it works

It's never been this simple to invest this smart. All you need to do is make a deposit to your Lysa account and we take care of the rest.

01. Ready

Before you open an account, we ask you a couple of questions to identify your investment goal and appropriate risk level. This takes no more than 10 minutes.

02. Set

Based on your responses, we give you a customised investment proposal for a globally diversified portfolio. To get an investment proposal and opening an account is free of charge.

03. Save

Every deposit you make gets automatically invested according to your portfolio allocation. And we ensure that your portfolio maintains its balance over time.

Fees

Lysa's fee per year

0.15 - 0.24%

0.40%

Your estimated total fee per year is max.

The financial industry has been creative when it comes to presenting (see: hiding) their fees. We want to be transparent and straightforward. The more you invest with Lysa, the lower the fee. The total fee for you as a customer will never exceed 0.40% per year. And that includes everything.

Lysa's fee - 0.24%

of which:

portfolio management fee - 0.12%

fund management fee - 0.12%

Underlying holdings - 0.13%

Transaction fees - 0.03%

Total fees - 0.40%

Example investment: 1 000 DKK

2.4 DKK

1.2 DKK

1.2 DKK

1.3 DKK

0.3 DKK

4,0 DKK

Lysa's fee

of which:

portfolio management fee

fund management fee

Underlying holdings

Transaction fees

Total fees

0.15 - 0.24%

0.03 - 0.12%

0.12%

0.13%

0.01 - 0.03%

0.29 - 0.40%

Lysa's fee

0.15- 0.24%

Where of:

Portfolio management fee

Fund management fee

0.03 - 0.12%

0.12%

Underlying holdings

Transaction fees

Total fees per year

0.13%

0.01 - 0.03%

0.29 - 0.40%

Lysa's fee - 0.24%

2.4 DKK

Where of:

Portfolio management fee - 0.12%

Fund management fee - 0.12%

1.2 DKK

1.2 DKK

Underlying holdings - 0.13%

Transaction fees - 0.3%

Total fees per year - 0.40%

1.3 DKK

0.3 DKK

4.0 DKK

Example investment:
1 000 DKK

Note: The example investment shown here is based on the minimum investment size of 1 000 DKK and shows a portfolio with 80% stocks and 20% bonds. Your portfolio's fees may vary depending on your investment amount and allocation between stocks and bonds.

Security

Lysa is an investment firm under the supervision of the Swedish Financial Supervisory Authority. This means that your savings with Lysa are as safe as they would be with your traditional bank.

State-provided deposit guarantee for your money

When you make a deposit with us, your money is placed in a client funds account with Danske Bank until they are invested. As a Danish bank, Danske Bank is part of the Danish deposit guarantee scheme. Your deposits are thereby protected by the Danish state (Garantiformuen) until they are invested.

You own your investments

When making deposits with Lysa, your money (when not invested) and your holdings (when your money has been invested) will remain your own property and will be kept separate from Lysa’s (as we must by law). This means that you always are entitled to your money and your portfolio.

State-provided investor protection for your holdings

Once your money has been invested in funds, your portfolio will be held on an investment account with Lysa. As a Swedish investment firm under the supervision of the Swedish Financial Supervisory Authority, holdings with Lysa are protected by the Swedish investor protection. Once invested, your holdings are thereby covered by the Swedish state.

Our customer satisfaction guarantee

At Lysa, we want to provide a good customer experience to all our customers. If you are for any reason dissatisfied we will do everything to make you satisfied. You can even get Lysa's fee back for your first three months with us.

We will, at your request, refund the management fee that you have paid to Lysa during your first 90 days as a customer. The request must be sent within 100 days from the start of the customer relationship. Lysa's customer satisfaction guarantee only applies to fees paid to Lysa. No other fees, expenses or market losses will be covered under this guarantee, including, for the sake of clarity, fees to external fund companies. Lysa reserves the right to terminate or modify this guarantee in the future.

Lysa's fee

of which:

portfolio management fee

fund management fee

Underlying holdings

Transaction fees

0.15 - 0.24%

0.03 - 0.12%

0.12%

max 0.13%

0.01 - 0.03%

Total fees

0.29 - 0.40%

You own your investments

When making deposits with Lysa, your money (when not invested) and your holdings (when your money has been invested) will remain your own property and will be kept separate from Lysa’s (as we must by law). This means that you are always entitled to your money and your portfolio.

State-provided deposit guarantee for your money

When you make a deposit with us, your money is placed in a client funds account with Danske Bank until they are invested. As a Danish bank, Danske Bank is part of the Danish deposit guarantee scheme. Your deposits are thereby protected by the Danish state (Garantiformuen) until they are invested.

State-provided investor protection for your holdings

Once your money has been invested in funds, your portfolio will be held on an investment account with Lysa. As a Swedish investment firm under the supervision of the Swedish Financial Supervisory Authority, holdings with Lysa are protected by the Swedish investor protection. Once invested, your holdings are thereby covered by the Swedish state.