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 
  • AMF 020-696 320  
  • Folksam 0771-950 950 
  • SEB 0771-365 365
  • Skandia Liv 0771-555 500

 

Unit linked insurance

  • Danica Pension 0752-481 000
  • Handelsbanken 0771‑77 88 99
  • Movestic 08 – 120 393 20
  • SPP 0771-533 533
  • Swedbank 0771-221 122

Charges

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 companies 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.

Charges for unit linked insurance

Insurance companies Insurance fee Cost per year
(insurance fee
included)
Transfer fee
Danica Pension 0.06% - 0.05% 0.19% - 0.11% 0 SEK
Handelsbanken 0.13% - 0.07% 0.14% - 0.08% 250 SEK
Movestic 0.20% - 0.12% 0.27% - 0.13% 0
SPP 0.13% - 0.07% 0.14% - 0.08% 200 SEK
Swedbank 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 1% of paid-in premiums. Collectum's fee is deducted from the premium before it is transferred to the insurance company of your choice