If you are a salaried employee in the private sector, and your employer has a collective agreement (kollektivavtal), you are entitled to a retirement pension from ITP occupational pension.

Your employer pays a premium for your retirement pension every month. You can make a few choices for this pension:

• How and by whom the whole pension, or a part of it (depending on whether you have ITP 1or ITP 2), should be invested.
• If you want to add cover for your family, in the event of your death.
• To have your pension paid for life or over a shorter period.

* Collectum charges an administration fee which is currently 1.0 per cent of paid-in premium (For ITP 1 the maximum amount deducted is SEK 450 per year). Collectum’s fee is deducted from the premium before it is transferred to the insurance company of your choice.