Alecta Optimal Pension is now even better

From 1 October, we are introducing a number of improvements to the Alecta Optimal Pension. These improvements are designed to give you an even better and more secure pension. Read about what they mean for Alecta Optimal Pension holders here.

Reduced fees and fee cap

Fees have a significant impact on the total amount of your pension. The lower the fee, the more money you get in pension payments. From 1 October, we are reducing the fee we charge for managing your pension to 0.05% of the capital (previously 0.09%). This applies to all those with an ITP pension. If you have pension through another collective agreement, you can contact our customer service for more information.

This fee is capped. From 1 October, the maximum fee is SEK 40 per month and per contractual sector (previously, the maximum fee was SEK 50 per month).

Even better cushioning rule

To ensure that your pension is not affected too much even in bad years on the stock market, we use a special cushioning rule. Thanks to this, your pension cannot be reduced by more than 3% from one year to the next (the previous amount was 5%). This applies to those who have a lifetime payout and have an investment policy of 40 per cent equities during the payout period.

More stable pension payments

When we calculate your monthly pension, we use a ‘forecast rate’. We are now going to adjust the forecast rate every month, which means that we will level out the fluctuations that a changing market can have on your pension capital. This ensures that your payments are more stable.

Revised long-term vision for better returns

To ensure that you continue to receive good returns in the future, we are now changing our investment policy to increase the share of alternative investments by ten percentage points – the share of interest-bearing assets will be reduced by the same amount. Alternative investments can include, for example, investments in property, infrastructure and other assets that don’t come under equities and interest-bearing securities.

At the moment, 40 per cent of the policy is invested in equities at the start of payments, but no later than age 65. This has now been changed to age 66.

Change of payment period for repayment cover

We are introducing changes to the repayment cover for those who draw their retirement pension for life and start their payments at age 67 or later. This means that both the retirement pension and the repayment cover will be higher, but also that the repayment cover can be paid out until the age of 87. This applies regardless of the age at which payment starts after age 67.

Customer service

Telephone: 020-78 22 80
From abroad: +46 8 441 96 21