Invest your pension like the pros
Maximize the performance of your pension investments
Cornerstones of Lifeplan's investment advice
1. Compiling your pension – the big picture
If you’ve worked for even just a few years, you probably have pension capital placed in a variety of different places. First, you have your public pension (income pension and premium pension), and likely an occupational pension and perhaps private pension savings which you have invested yourself. If you have worked at more than one employer, then your occupational pension probably will be placed across different insurance companies. Lifeplan compiles together the various parts of your pension and presents it in one view. This not only gives you a good overview of your pension, but it helps us to see the big picture – meaning that we can give you better financial advice. Even if parts of your pension can’t be directly influenced, we’ll still take these assets into account to provide you with optimum risk diversification in your overall portfolio.
2. Tailored analysis – each individual is unique
As part of our analysis, we’ll identify your personal attitude towards risk. By adopting a high risk approach, you’ll give your capital a better foundation for growth in the event of a strong world economy. However, you’ll also have the potential to lose far more if the world’s markets were to experience a downturn.
Lifeplan also takes into account factors like your age, your capital, your labor market, the available options within your pension insurances etc. when we perform our analysis.
3. Independent advice for better investments
At Lifeplan, we’re completely independent – meaning that we won’t receive any commission or kickbacks from any insurance companies nor do we have any funds of our own that we are trying to sell. Our sole agenda is to ensure you the best possible retirement based on your circumstances.
Our service is algorithm-based. The advice you receive are based on your circumstances, world leading research and insights into the design of the Swedish pension system. Key factors for the best possible pension outcome are:
- Optimal risk diversification – for example, concentrating your capital in one single market (such as Sweden) carries with it a number of unnecessary risks.
- Low fees – reducing your fees by 2% will result in 49% more capital over a period of 20 years.
- Better fund options – we’ll compare the options which you have across each of your providers. The same fund may have different fees depending on your insurance provider. We’ll make sure you get the right portfolio, to the right price.
4. Continuous monitoring
When better fund options emerge, when a market develops differently than expected or when you get a salary review you may need to reallocate your assets. Your risk level may also need to be lowered as you close in on retirement. Lifeplan continuously monitors all of these factors and will contact you via email when you need to make adjustments to your investments.
