Institute for Finances

Introduction

The Institute for Private Finances is an independent part of Swedbank. It has for decades observed closely issues related to private finances and worked for educating Swedish public in matters of private economy. Today similar educational activities exist in the home markets of the bank in Estonia, Latvia and Lithuania.

The Institute for Private Finances covers areas that influence private finances and based on its own analyses it publishes independent and objective advice from an individual’s perspective. The vision is to make it easier for private persons to improve their finances through greater insight into their conditions and opportunities.

The Institute for Private Finance was started in its present operational pattern at the beginning of 1960s. Currently it employs 10 persons.

Index of Security Capital

The index of security capital shows how well you and your family are protected in case of unexpected financial setbacks. It is a simple formula that is based on a logic similar to the body mass index. Everyone who knows the sum of their monthly income, savings, loans and insurances can calculate if they are well enough protected.

Life insurance amount: EUR
Savings: EUR
Credit liabilities: EUR
Net monthly income: EUR
: There are people depending on my income

Calculate

Condition

Your current index of Security Capital:

Critical
Problematic
Stabile
Safe

Your liabilities significantly exceed your existing assets and income. In order to balance your current financial situation, you have to find ways to reduce liabilities. Also think about regular saving in order to ensure that you have enough money for unexpected expenses.

You can find more information about saving on the webpage of the Institute of Private Finances.
Your liabilities considerably exceed your existing assets and income. If you have someone depending on your income, your liabilities will also include your annual income, since your obligations towards your family will be taken into account. The easiest way to protect your loved ones is to enter into a life insurance contract or expand your existing insurance coverage. It is also important to start saving periodically in order to ensure that you have enough money for unexpected expenses.

You can find more information about saving on the webpage of the Institute of Private Finances.
Your liabilities and assets are reasonably balanced. We still advise you to increase your savings in order to cope with unexpected expenses.

You can find more information about saving on the webpage of the Institute of Private Finances.
Your assets exceed your liabilities. You can feel safe. Find out about various investment options. You can find more information about saving on the webpage of the Institute of Private Finances.

Safe
Critical

Rahaasjade planeerimine aitab suvel paremini toime tulla
06.06.2014 15:33

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Lithuanians saving up for shopping, Latvians for ageing, Estonians for children
17.06.2011 15:38
Although the amount of people who save differs among the three Baltic countries, all of them have residents with no savings capital at all and the amounts saved still are comparatively low, is revealed by the latest Baltic level study by Institute of Private Finances at Swedbank.

Read more
10 tips on how to spend less on food
16.06.2011 10:31
10 tips on how to spend less on food and save money.

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Useful links

Contacts:

Kati Voomets
Head of Institute of Finances
+372 888 5815
info@teabekeskus.ee

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Institute for Finances

Introduction

Index of Security Capital

Rahaasjade planeerimine aitab suvel paremini toime tulla

Lithuanians saving up for shopping, Latvians for ageing, Estonians for children

10 tips on how to spend less on food

Archive

Useful links

Contacts:

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Institute for Finances

Condition

Introduction

Index of Security Capital

Rahaasjade planeerimine aitab suvel paremini toime tulla

Lithuanians saving up for shopping, Latvians for ageing, Estonians for children

10 tips on how to spend less on food

Archive

Useful links

Contacts:

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