SEB Robo-Advisor is an automated investment  solution designed to make investing easy. Based on your answers, it provides you with a personalised portfolio strategy and helps you set up investments effortlessly.  
SEB Robo-Advisor has minimal investment amount of EUR 10, making investing accessible to nearly everyone. With the 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. You don’t need any experience in investing, therefore, it is perfect for those new to investing and unsure where to begin. 
The service is intended for private individuals in Lithuania, Latvia, Estonia only.

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

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

Yes. Once you set up your ETF portfolio, you can adjust it easily in the “Investments” section of the SEB mobile app – simply select your ETF portfolio and click “More”.  

Trade orders are executed weekly on Tuesdays. 
In exceptional cases, i. e., on Tuesdays that happen to be holidays in specific countries or markets where trades are executed, in cases of 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-Advisor portfolios to manage different investment goals. If you have different investment goals, it is a great solution tailored to your needs. 

When you conclude a portfolio management agreement with us, you will need to provide us with a bank account from which we will deduct the regular investment fees (we recommend that you have a separate bank account to use only for investments). We will also open 2 additional accounts – cash account and securities account – to manage your portfolio. These accounts will only be used to provide you with the portfolio management service, and you will not be able to access them directly. 

If you want to stop using the Robo-Advisor, you should submit a termination request in SEB mobile app. Go to the “Investments” section, select your ETF portfolio, and click “More”  > “Terminate the service.” 

“ETF” stands for Exchange-Traded Fund. Just like investment funds, ETFs pool the money from investors to buy assets. However, unlike regular funds, the ETFs are traded on the stock exchange – just like stocks. 
More about ETFs

Starting 2026, Lithuanian residents will be able to declare income from securities, received from 2025, by choosing one of two income taxation regimes:

• based on transactions (the usual taxation of income). Every year SEB clients receive report that conveniently provides information on income from the sale of securities and their cost price - this data must be submitted in declarations. When declaring income in this way, the result of all sales transactions (profit and/or loss) during the year is summed up, a EUR 500 allowance is applied (if applicable), and the tax is calculated.
• based on investment account (the income from securities taxation regime valid from 2025). In SEB Internet Bank clients will be able to calculate contributions and withdrawals from an investment account, which must be provided in the declaration. In this case, tax is paid when more was withdrawn from the investment account than was deposited into it. For example, if you deposit EUR 2,000 into an investment account and withdraw EUR 2,700 two years later, you would have to pay tax on the amount of EUR 700 – regardless of when and what sales transactions were made. The EUR 500 tax exemption does not apply.
   

Yes, we regularly monitor and rebalance your portfolio, to keep it in line the risk level you have selected. Also, after you renew your investor data, we reassess the portfolio’s suitability for you. Therefore, keeping your information up to date is critically important. 

You’re in charge of the big picture – how much to invest, how often to invest, when to start or stop. Also, you are responsible for keeping your investor data up to date. Our investment experts take care of the rest: We manage your portfolio, making smart investment decisions and choosing a well-diversified mix of cost-effective ETFs that match your goals. 

If your investor data changes, or you experience some major changes in your financial situation, it’s critically important to update it. Based on your data, we reassess the portfolio’s suitability for you. If you don’t update your investor data for 5 years, we will be forced to terminate the service and sell your investments. 
If your current portfolio is no longer suitable after you update your investor data, we’ll inform you on the necessary changes, and will 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.