AP7 Såfa

A lifelong solution

The fund has a life cycle profile, meaning that risk is spread throughout your life. Risk is higher when you are young so your investment can grow and gradually decreases as you get older to give you greater security and peace of mind.

Risk tailored to match your income pension

For young investors, AP7 Såfa offers higher risk than the former Premium Savings Fund but improved risk diversification. Risk is tailored to fit the risk profile of your income pension.

Higher projected returns

The average investment risk in AP7 Safå is roughly the same as for the old Premium Savings Fund over the course of the investor's life. However, projected returns are higher due to a higher level of risk for the under-55s that is then gradually scaled back to provide peace of mind in old age.

AP7 Såfa is the only fund that takes a life cycle approach.

Holdings are based on two cornerstone funds: the AP7 Equity Fund and the AP7 Fixed Income Fund. All investment capital is held in the AP7 Equity Fund until you are 55. Thereafter, around 3 percent of the assets are transferred into the AP7 Fixed Income Fund every year until your 75th birthday, by which time 67 percent of your assets will be held in the AP7 Fixed Income Fund and 33 percent in the AP7 Equity Fund.