Get the Spesía app
Get the Spesía app and start investing.
The Spesía app is available for both iPhone and Android phones.
Click on the links or scan the QR code to get the app.
When you open an account with Spesía, we guide you through selecting an investment strategy that suits your needs by asking about your goals, financial situation, and the level of risk you’re comfortable taking.
The strategies differ in their level of risk, reflected in different allocations between global stocks and Icelandic government bonds.
Careful
SE30
A careful investment policy is about keeping your money safe and avoiding big swings. It aims for steady growth, with the main goal of protecting what you have, even if it means giving up higher returns.
The portfolio invests in a mix of equities and Icelandic government bonds, with strong emphasis on moderate volatility and broad risk diversification. The equity portion consists of a globally diversified portfolio investing in thousands of companies worldwide.
Balanced
SE60
A balanced investment policy looks for a middle ground between safety and growth. It accepts some ups and downs to get better returns, while still aiming to protect your money over time.
The portfolio invests in a mix of equities and Icelandic government bonds, with strong emphasis on effective risk diversification. The equity portion consists of a globally diversified portfolio investing in thousands of companies worldwide.
Growth
SE100
A growth-seeking investment policy focuses on maximum growth, even if it means bigger ups and downs along the way. It accepts higher risk in pursuit of the chance for much higher returns.
The portfolio is invested exclusively in equities, structured with broad global diversification and exposure to thousands of companies across international markets.
Careful
SE30
A careful investment policy is about keeping your money safe and avoiding big swings. It aims for steady growth, with the main goal of protecting what you have, even if it means giving up higher returns.
The portfolio invests in a mix of equities and Icelandic government bonds, with strong emphasis on moderate volatility and broad risk diversification. The equity portion consists of a globally diversified portfolio investing in thousands of companies worldwide.
Balanced
SE60
A balanced investment policy looks for a middle ground between safety and growth. It accepts some ups and downs to get better returns, while still aiming to protect your money over time.
The portfolio invests in a mix of equities and Icelandic government bonds, with strong emphasis on effective risk diversification. The equity portion consists of a globally diversified portfolio investing in thousands of companies worldwide.
Growth
SE100
A growth-seeking investment policy focuses on maximum growth, even if it means bigger ups and downs along the way. It accepts higher risk in pursuit of the chance for much higher returns.
The portfolio is invested exclusively in equities, structured with broad global diversification and exposure to thousands of companies across international markets.
When you have selected your investment strategy and signed a contract with electronic ID, you can go directly into the app and deposit money to your new Spesía account.
When you deposit money into your Spesía account, the full amount is used to purchase units in the fund that matches the investment strategy you selected. Similarly, when you withdraw money, units in the fund are sold, and the proceeds (less any applicable capital gains tax on the profit) are transferred to your bank account. Spesía takes care of everything else, continuously managing your portfolio in accordance with your chosen investment strategy, including maintaining a relatively stable allocation between equities and bonds.
The return on your investment depends on how the fund performs. If the value of the fund’s assets increases, the value of your investment increases accordingly. If the value of the fund declines, the value of your investment decreases in the same way. Your Spesía account always displays the current value of your portfolio and its investment performance. You can also view all the holdings in your portfolio by logging in and selecting “Holdings” in the app or on the website.
