What is your advice based on?

The foundation is the world's leading, modern research on how capital is best placed over time. We take into account a variety of factors when we give you advice, such as:

• Your age - the risk in your portfolio will shrink the closer you get to retirement
• Your capital
• Forecast on future pension payments
• How much risk you are willing to take
• Your labor market sector - for example, if you work in the manufacturing industry, you should have less exposure to this industry in your funds. This is so that an unexpected downturn for your industry will not hit you twice in the form of worse capital growth and a decline in funds.
• How your “locked” pension capital is invested (capital that you cannot invest yourself). Should this capitalbe largely invested in, for example, North American funds, we will not recommend as much North American funds in those parts of your portfolio where you can choose for yourself.
• Which funds are eligible for your pension insurance
• What discounts funds have in different insurances