Isn't my occupational pension enough?

Occupational and public pensions often provide a solid base, but for many they do not fully cover the need, especially if you want to maintain your standard of living in retirement. Personal savings give you extra security and more flexibility.

What account type is best for retirement saving?

An ISK has simple taxation and full flexibility for long-term retirement saving. You decide when to withdraw and there are no lock-in periods. Endowment insurance is an alternative depending on your situation.

How long should I save?

The longer the better. With a 20 to 30 year horizon, compounding has significantly more time to work. Even if you are approaching retirement, there may be good reasons to continue saving, as you will likely need capital for 20 to 30 years after you stop working.

Is Amos Value suitable for retirement saving?

Amos Value invests in quality companies with stable cash flows and sustainable profitability. The fund has risk level 4 out of 7 (medium risk) and a recommended holding period of at least five years. As with all equity investing, the value fluctuates in the short term.

When should I start saving for retirement?

As early as possible. Every extra year gives compounding more time to work. Even someone starting in their 40s often has 20 to 25 years until retirement, which is a long time horizon for equity funds.

Should I keep equity funds after I retire?

It depends on your situation, but many retirees need capital for 20 to 30 years after they stop working. Keeping part of the capital in equity funds can help maintain purchasing power, while the rest is placed more conservatively for ongoing withdrawals.

Saving goal

Saving for retirement

Your pension is one of the most important financial building blocks in life. With long-term and disciplined saving, you can create more freedom when you decide to scale down or stop working. Time is your best friend, and the earlier you start, the more your capital can grow.

Why save extra for retirement?

Let time work for you

Public and occupational pensions often provide a solid base, but for many people they are not enough to fully support the lifestyle they want in retirement. By adding a personal, long-term savings plan, you can increase your future income level, build more flexibility into your finances and have greater influence over when and how you retire.

Very long time horizon: Retirement savings often span several decades, making them ideal for equity and fund investing.
Complements your employer pension: Personal savings provide extra security beyond public and occupational pensions.
Flexibility in retirement: More personal capital gives you more freedom in how and when you retire.

Start saving for retirement

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Guide

How to supplement your pension

Most people will receive a pension that is lower than the income they had during their working life. By saving on your own, you can reduce that gap and create greater financial freedom in retirement.

The pension gap: A rule of thumb is that the combined pension, public plus occupational, often amounts to around 50 to 70 percent of the final salary. The higher the income, the lower the share. The difference is sometimes called the pension gap. Personal savings are the simplest way to fill that gap and also give you full flexibility in how and when you withdraw the money.
ISK for retirement saving: An investment savings account (ISK) has straightforward taxation: a low flat-rate yield based on the account value, and you decide when to make withdrawals. Unlike traditional pension insurance, there are no lock-in periods or restrictions on how the money can be used.
When you start: Every extra year gives compounding more time to work. Someone who starts saving at 30 has 35 years until retirement. Starting at 45 leaves 20 years, which is still a long time horizon for equity funds.
Equity funds even in retirement: Retirement does not mean the saving horizon ends. Many retirees need capital for 20 to 30 years after they stop working. Keeping part of the capital in equity funds can help maintain purchasing power, while the rest is placed more conservatively for ongoing withdrawals.

The pension system

Three pillars make up your pension

The Swedish pension system rests on three pillars. Public pension from the state, occupational pension from your employer, and your own personal savings. The first two often provide a solid base, but for most people they are not enough to maintain the lifestyle they want in retirement.

Public pension

Based on your lifetime income and paid by the state. The income pension and premium pension form the foundation but rarely cover the full need.

Occupational pension

Paid by your employer. The size varies depending on collective agreements and form of employment. Check what applies to you.

Personal savings

The part you control. By saving long term in equity funds, for example, you can supplement the other pillars and create greater financial freedom.

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 pension saving

: Occupational and public pensions often provide a solid base, but for many they do not fully cover the need, especially if you want to maintain your standard of living in retirement. Personal savings give you extra security and more flexibility.
: An ISK has simple taxation and full flexibility for long-term retirement saving. You decide when to withdraw and there are no lock-in periods. Endowment insurance is an alternative depending on your situation.
: The longer the better. With a 20 to 30 year horizon, compounding has significantly more time to work. Even if you are approaching retirement, there may be good reasons to continue saving, as you will likely need capital for 20 to 30 years after you stop working.
: Amos Value invests in quality companies with stable cash flows and sustainable profitability. The fund has risk level 4 out of 7 (medium risk) and a recommended holding period of at least five years. As with all equity investing, the value fluctuates in the short term.
: As early as possible. Every extra year gives compounding more time to work. Even someone starting in their 40s often has 20 to 25 years until retirement, which is a long time horizon for equity funds.
: It depends on your situation, but many retirees need capital for 20 to 30 years after they stop working. Keeping part of the capital in equity funds can help maintain purchasing power, while the rest is placed more conservatively for ongoing withdrawals.

Explore more saving goals

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Time and compounding across multiple market cycles.

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A small amount each month, with dollar-cost averaging.

Financial independence

Living off dividends

Build capital whose returns can cover your living costs.

Next generation

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Build capital that can be passed on to children or grandchildren.

A single deposit

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An inheritance, bonus or sale. Put the capital to work right away.

Long horizon, big goal

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A savings plan with at least a ten-year horizon toward a future home.

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