How does Lifeplan optimize the fees in my pension savings?

Our goal is for all our users to receive an individually adapted fund portfolio with well-balanced risk diversification, where we recommend the best possible funds with at the same time as low fees as possible.

This is a fine balance as the fund offerings and fund fees depend on which insurance company that manage your pension savings and what pension agreement the insurance is within. We therefore compare prices and agreements in all insurances to pick the best funds in the insurance company they are the cheapest. It is not always possible to keep fees low in all insurances, but you as a user can feel secure in the fact that we recommend the best funds at the lowest possible fees based on your entire insurance situation.

As the premium pension system is where you have the most discount on fund fees, we usually choose the funds there which are otherwise expensive in other insurances. The pension authority is large and has a lot of discounts, but they don't have lower fees in all funds. With the discount, the most expensive funds are therefore still slightly more expensive than the very cheapest funds. This is of course one of the parameters Lifeplan takes into account when creating your investment advice.

It is also important to bear in mind that we do not work for you to lower the contributions specifically in the premium pension to a maximum. Instead, we are looking at you lowering the fees in their entirety over your entire pension savings. We therefore do not look at insurance by insurance. Looking only at the average fee specifically in your premium pension is therefore misleading.