Companies and charges
The pension 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
- AMF
- Folksam
- Nordea
- SPP
Unit linked insurance
- Handelsbanken
- Länsförsäkringar
- Nordea
- SPP
- Swedbank
Charges for traditional pension insurance
For taking care of your pension money the pension company takes out charges on the total value of your pension capital.
| Pension companies |
Charge |
Cost for investment management |
Total cost | Transfer fee |
| Alecta | 0.05% (max SEK/year 480) |
0.06% |
0.11% | - |
| AMF | 0.15% (max SEK/year 500) |
0.03% |
0.18% (+ SEK/year 40) | SEK 200 |
| Folksam | 0.12% |
0.05% |
0.17% | SEK 175 |
| Nordea | 0.11% |
0.07% |
0.18% | - |
| SPP | 0.0% |
0.22% |
0.22% (+ SEK/year 50) | - |
The charges shown in the table above are a charge to cover the pension company's costs for managing the insurance. The investment management costs cover the pension 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.
| Pension companies | Insurance fee | Cost per year - insurance fee included | Transfer fee |
| Nordea | 0.06% - 0.05% | 0.06% - 0.05% | - |
| Handelsbanken | 0.13% - 0.07% | 0.14% - 0.07% | - |
| Länsförsäkringar | 0.07% - 0.06% | 0.08% - 0.06% | - |
| SPP | 0.13% - 0.07% | 0.14% - 0.08% | - |
| Swedbank | 0.16% - 0.10% | 0.16% - 0.10% | - |
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.
Charges
The administration fee is currently 0,8125% of paid-in premiums. The fee is deducted from the premium before it is transferred to the pension company of your choice.