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Companies and charges
The companies that you can choose to manage your pension money have low charges, which is important for your savings. The lower the charges, the more pension you will receive.
Traditional pension insurance
- Alecta 020-78 22 80 (also the default option)
- AMF 020-696 320
- Folksam 0771-950 950
- SEB 0771-365 365
- Skandia Liv 0771-555 500
Unit linked insurance
- Futur Pension 08-504 225 00
- Handelsbanken 0771‑77 88 99
- Movestic 08-120 393 20
- SPP 0771-533 533
- Swedbank Försäkring 0771-221 122
Charges for traditional pension insurance
For taking care of your pension money the insurance company takes out charges on the total value of your pension capital.
Insurance | Charge | Cost for investment management | Total cost | Transfer fee |
|---|---|---|---|---|
Alecta | 0.09 % (max SEK/year 600) | 0.02% | 0.11% | SEK 0 |
AMF | 0.17 % (max SEK/year 600) | 0.03% | 0.20% (+ SEK/year 50) | SEK 200 |
Folksam | 0.14 % | 0.05% | 0.19% | SEK 400 |
SEB | 0.08 % | 0.11% | 0.19 % (+ SEK/year 48) | SEK 180 |
Skandia | 0.16% | 0.04% | 0.20% (+ SEK/year 65) | SEK 200 |
The charges shown in the table above are a charge to cover the insurance company's costs for managing the insurance. The investment management costs cover the insurance company's costs for investment management. The charges are deducted from your pension capital while the investment management cost reduces the return before it is allocated to your insurance.
Insurance companies | Insurance fee | Cost per year (insurance fee included) | Transfer fee |
|---|---|---|---|
Futur Pension | 0.06% - 0.05% | 0.19% - 0.11% | 0 SEK |
Handelsbanken | 0.13% - 0.07% | 0.14% - 0.08% | 0 SEK |
Movestic | 0.20% - 0.12% | 0.27% - 0.13% | 0 SEK |
SPP | 0.13% - 0.07% | 0.14% - 0.08% | 200 SEK |
Swedbank Försäkring | 0.17% - 0.15% | 0.21% - 0.18% | 150 SEK |
The fee for the unit linked insurances may decrease as the risk is stepped down and the share of equity funds decreases in favor of bond funds
Collectum´s charges
Collectum charges an administration fee which is currently 0,8125% of paid-in premiums. Collectum's fee is deducted from the premium before it is transferred to the insurance company of your choice