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Saving goal
Saving for inheritance
A savings plan that outlasts your own lifetime. By building capital in an equity fund, you can create a foundation to pass on to children, grandchildren or anyone else you want to provide for.
The case for saving across generations
Capital that carries on
Saving with inheritance in mind differs from other saving in one key way: the time horizon. The money does not need to be withdrawn at a set age and can keep growing long after you have stopped contributing yourself, leaving room for a higher share of equities over a longer period.
- A generation-long horizon
- The capital can keep working for decades, often longer than a traditional pension savings plan.
- A flexible recipient
- You decide how the capital should be distributed, whether to children, grandchildren or other relatives.
- Compounding across more than one lifetime
- The longer the capital stays untouched, the greater the effect of reinvesting the returns.
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Guide
How saving for inheritance works
Saving with inheritance in mind differs from other saving in how long the capital should stay in place and who ultimately receives it.
- The time horizon is the key difference
- Unlike pension savings, which is often meant to pay out over a limited period, inheritance savings can keep growing long after you are gone. That often makes a higher share of equities reasonable for a longer part of the savings journey.
- Wills and beneficiaries
- How the capital is distributed is governed by a will, inheritance law and any beneficiary designations with your platform. Amos Fonder does not provide legal advice, but a bank or lawyer can help you structure the transfer.
- Tax on inheritance
- Sweden abolished inheritance tax, but the capital can still be affected by capital gains tax when it is sold. The details depend on the account type and the recipient's situation.
- Letting the money stay invested
- A common mistake is shifting the capital to lower risk too early out of caution. With a long horizon, that can cost more in lost growth than it protects against.
Principles
Three principles for saving toward inheritance
Saving with inheritance in mind differs from other saving in how long the capital should stay in place before it is used.
01
A long horizon
The longer until the capital is needed, the more room there is for a high share of equities.
02
Clarity in the handover
A will and beneficiary designations make it clear how the capital should be distributed.
03
Let the money stay invested
Shifting the capital to lower risk too early can cost more in lost growth than it protects against.
Available platforms
Amos Value is now open for investment, on platforms you may already use.
Amos Value A (Acc)
ISIN: SE0029302199
Returns are automatically reinvested in the fund. The unit's value grows instead of being paid out, with nothing for you to do.
Not sure which suits you? Read more about the share classes →
More platforms will be added continuously
Past performance is not a guarantee of future returns. The money invested in the fund may increase or decrease in value and you may not get back the full amount invested. Read the fund's key information document and prospectus before investing.
Common questions about saving for inheritance
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