The collectively agreed occupational pension for private sector salaried employees called ITP. Since 2007 it has been possible to move the already earned pension from the old insurance to the new contracting and prispressade funds that go to choose by Collectum.
The funds have fees, which on average is a third of the old unit linked products.
– One percentage point lower charge can provide up to 20 percent more in future retirement, " says Collectums pensionsexpert Tomas Carlsson.
– It is not always the same mutual funds, but there are always mutual funds that are similar to the ones you have, " he adds.
It is not solely through the fee that the move can make a profit. It is also the return on savings which makes it together is about 8.3 billion dollars more in the pension in ten years, according to the calculations Collectum has done.
– In the old funds may partly be an insurance fee, the actual fondavgiften, recalls Carlsson.
" good question. Flyttaktiviteten in general is low in Sweden, " says Carlsson.
Collectum has from time to time gone out with calls for savers to move to the contracted funds where the price has been squeezed. It tends to lead to a certain increase of flyttaktiviteten, but after a period of time reduce back the interest.
At collectum.see, you can read how it is possible to move the savings.
Read more: Four tips that can give you a good pension.