SEB Robo-Advisor is an automated investment solution designed to make investing easy. Based on your answers, it provides personalized portfolio strategy  and helps you set up investments effortlessly. 

SEB Robo-Advisor has minimal investment 10 euros, making investing accessible to everyone. With SEB Robo-Advisor, you get expert guidance while we handle the entire investment process for you—simple and effortless.

Anyone over 18 years old can start using Robo-Advisor. It’s perfect for those new to investing and unsure where to begin. 

The service is intended for private individuals in Estonia. 

The Robo-Advisor suggests a suitable portfolio based on your investment goals, preferences, and financial situation. It’s important to provide accurate and up-to-date investor data, as this information forms the basis for selecting the most appropriate portfolio.

You can make additional investments or withdraw funds only via the SEB mobile app. The app allows you to set up regular contributions, make one-time investments, or withdraw part or all of your portfolio at any time.

Yes! Once your ETF portfolio is set up, you can adjust it easily in the “Investments” section of the SEB mobile app. 

Here’s what you can do: 

• Add more funds. 
• Withdraw investments. 
• Modify regular investments. 
• Update your investor data. 
• Terminate the service. 
   

Trade orders are executed weekly on Tuesdays.

In exceptional cases, i.e. holidays on Tuesday in specific countries or markets where trades are executed, market disruptions or other unforeseen circumstances, orders may be initiated on the next possible trading day or the following Tuesday.

Settlements require 3 additional business days, therefore withdrawal of funds from your investment portfolio account may take up to 8 business days (or up to 14 business days in rare cases) after the submission of your withdrawal request.

Yes! You can open multiple Robo-Advisors to manage different investment goals. It’s a flexible solution tailored to your needs. 

When using the Robo-Advisor service, you choose a current or investment account to fund your portfolio. SEB will also open dedicated investment  and securities accounts for managing your portfolio. These accounts are used solely for the service and cannot be accessed directly.

If you want to stop using the Robo-Advisor, follow these steps: 
Submit a termination request in the SEB mobile app. Go to the “Investments” section, open your securities account, and click button “(...)”   > “Terminate the Service.” 

ETF stands for Exchange-Traded Fund. Like an investment fund, it pools money from investors to buy assets. However, unlike regular funds, ETFs are traded on the stock exchange like stocks.
Read more about ETFs

Taxes depend on the account you use: 

• If you choose an investment account for investing: The portfolio’s investment account (opened by Bank) is linked to your selected investment account, so transfers between them aren’t treated as contributions or withdrawals. When you withdraw funds or end the service, money goes back to your selected investment account, and no tax is due yet. Tax is only paid when withdrawals from main investment account exceed your total contributions. We provide an annual overview showing both accounts. 
• If you choose a current account for investing: Transfer of funds between current account and portfolio’s investment account (opened by Bank) are considered as contributions or withdrawals from the portfolio’s investment account. Thus, if the withdrawals from the portfolio’s investment account exceed the contributions made to it, a capital gain tax needs to be paid.

Yes, SEB regularly monitors and rebalances your portfolio to keep it in line with your selected risk level. We also reassess its suitability based on the latest investor data you provide, so keeping your information up to date is important. 

You’re in charge of the big picture — like how much to invest, how often, when to start or stop, and keeping your investor information up to date. From there, SEB’s investment experts take care of the rest. We manage your portfolio for you, making smart investment decisions and choosing a well-diversified mix of cost-effective ETFs that match your goals.

We assess whether your portfolio remains suitable based on your latest investor data. If your data becomes outdated or you experience major changes in your financial situation, it’s important to update it via the SEB mobile app. If you don’t update your data for 5 years, we will need to terminate the service and sell your investments.

If, after you update your information, the current portfolio is no longer suitable, we’ll inform you about the necessary changes and ask you to confirm them. You’ll have 21 days to accept the changes. If you don’t, we’ll terminate the agreement and sell the securities, as we can not be sure that portfolio is still suitable to you.

Every investment decision involves certain risk. The market value of investments may increase as well as decrease; in certain cases, you may lose the invested amount. Before investing, please read more about related risks.