How does Lifeplan work?

Lifeplan is a digital investment advisory service for your entire pension. You get advice on which funds you should choose in the different parts of your pension where you can choose funds. The advice is personalized for you and your preferences and circumstances. Lifeplan continuously monitors when you need to make reinvestments and continuously sends new advice when there are better alternatives for you.

The basis is leading research on how money is best invested over time. We take into account a number of factors when we give you advice, such as:

• Your age - the risk in your portfolio will decrease the closer you are to retirement
• Your capital
• Forecast of future pension payments
• How much risk you are willing to take
• Your labor market sector - if you work in the manufacturing industry, for example, you should have less exposure to this industry in your funds. This is so that an unexpected downturn in your industry does not hit you twice in the form of lower salary development and a decline in funds
• How your "locked" pension money is invested (capital that you cannot invest yourself). If this money is largely invested in, for example, North American funds, we will not recommend North American funds as much in the parts of your portfolio where you can choose.
• Which funds are available for selection within your pension insurance
• What discounts do funds have in different insurance policies

The most central difference between Lifeplan and other players in pension advice is that Lifeplan is a completely independent advisor. Most advisors earn money either through commissions from the funds they recommend or by selling their own funds through their advice. This often leads to the customer being recommended funds with unnecessarily high fees. Lifeplan instead receives payment from the employer or directly from you as a user and therefore has no incentive to recommend expensive funds. We recommend what is really best for you.

Read more about how Lifeplan works here: https://lifeplan.se/en/about-lifeplan/how-lifeplan-works/