*Assumptions

The calculation of Card payment round-up is an example, assuming that amount of one round-up payment of is €0.50. Results are approximate and may differ from the results to you.

This is a sample calculation, where the forecast return is based on the internationally used long-term historical annualized return on equity (7%); however, however this does not imply that similar returns can be achieved in the case of the III pillar. For example, the annualized return of the Swedbank pension fund V100, which invests 100% into equity, since the creation of the fund is 5,6% (5th of january 2021). Past return does not guarantee similar return in the future.

This is a sample return based on the values of positive scenario in the College Fund+ calculator. Estimated annual average earning rates of underlying assets: Equities 7%, Medium-term (5-7 years) bonds 4%; Short-term (1-3 years) bonds 2%. Average historical return for the index representing equity investments in the contract was 6,9% p.a. (MSCI World Index Total return dividends reinvested, 1969-10/2011), for medium-term bonds: 4,3% p.a. (5-7 year EMU government bond index, 1999-10/2011), for short-term bonds: 3,4% p.a. (1-3 year EMU government bond index, 1999-10/2011). Source: Bloomberg. Past return does not guarantee similar return in the future.