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
Your money is automatically invested in fund units that you own. These are separated from Lysa’s assets. Therefore, you are entitled to all your assets in the event of Lysa’s bankruptcy. You also have right to the Swedish state-provided investor protection.
State-provided deposit guarantee for your money
When you make a deposit, the money is protected by the Danish state-provided deposit guarantee scheme (Garantiformuen) until they are invested. During this time, they are placed in a client funds account with Danske Bank.
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.