Private Portfolio

Key information documents

Single premium payment

Regular premium payments

A convenient and effective way of investing money

Private Portfolio is a good opportunity for those who do not want to engage in collection or investment on a daily basis, but want it to be done by experts for them.

Investments according to the strategy chosen
Administration fees: from 0.4% to 1.25% per year
Option to determine who will be left with your investments should the worst happen
Automatic calculation and deduction of tax on profit

If you have any further questions, don’t hesitate to sign up for a remote consultation at a time convenient for you.

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Private Portfolio Calculator

Savings period: years
Monthly payment: €
Choose strategy

Calculate

	Positive Scenario	Zero rate scenario	Negative Scenario
Projected savings value at the end of period	€	€	€
Total premiums	€	€	€
Estimated annual average earning rates of underlying assets (Balanced)	%	%	%
	Look here for positive scenario detail calculations overview	See detailed results for the zero rate scenario	Look here for negative scenario detail calculations overview

Enter into contract

You liked the solution? If you are at least 18 years old and you have access to Swedbank internetbank, you can conclude the contract on-line!

All values generated by this calculator are not guaranteed and only serve as an illustrative example generated based on the values entered in the calculator. Please take into account that the value of an investment unit may increase or decrease during the contract lifetime and also the value of the reserve may accordingly increase or decrease in line with the value of the investment unit.

The calculator uses indicators and calculating logic (planned amount of insurance payment, length of collection period, expected yield and its scenarios) that differ significantly from the requirements set for main information of combined retail and insurance-based investment products. In making a choice regarding an insurance product please review the results of the forecasts set out in the yield scenario table under ‘What are the risks and what could I get in return?’ in the Key Information document.

Flexibility to choose payment frequency Choose to invest regularly from EUR 50 per month or to make lump-sum payments (in such case, the minimum first insurance premium is 1000 EUR)
No contributions fee
Administration fees: from 0.4% to 1.25% per year depending on the strategy and investment amount
Investment portfolio is managed for you by Swedbank investment experts
Additionally, your life will be insured to the amount of 2% of the investment value (savings amount) In case of an insured event, the insurance benefit will be paid to the beneficiary.
You can specify a certain beneficiary(ies) to avoid long and complicated inheritance process If you designate beneficiaries in your contract, then the savings are separate from the rest of the estate. In such case the insurance benefit (savings amount + insurance amount) will be divided between the inheritors. The inheritance process may be lengthy, so we suggest designating the named persons as beneficiaries.
Automatic calculation and deduction of tax on profit Capital gains tax is calculated, withheld and transferred to the state budget by the insurer. It means that you won’t need to make the calculations or file tax returns to the state tax authorities. The income tax is automatically withheld from the profits you receive and we send the data to the Tax and Customs Board for you as well.

Insurance premiums will be invested according to strategy that you have chosen Get a recommendation of the suitable strategy by filling out the questionnaire
As investments are managed by experts, you won't have to worry about which assets to invest in or when is the right time to change the existing assets inside the chosen strategy.
You can check the investment performance at any time. However, monthly strategy overviews prepared by our investment experts are available here

To find the most suitable investment strategy, fill out the questionnaire.

Performance of investment strategies

Aggressive Growth Strategy

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The objective of the strategy is to achieve the maximum possible rate of return over long term which is sought to be achieved by investing in equity securities in a diversified manner. 100% of assets are invested in equity securities, but, depending on the market situation and for better achievement of its objective, it is permitted to increase and reduce the weight of equity investments in the range of 70% to 100% of the strategy portfolio assets.

The strategy is suitable for investors who wish to invest for 10 years or more.

documentMonthly overview

Growth Strategy

The objective of the strategy is to achieve growth of the assets invested that is attainable at somewhat higher level of risk over medium to long term. This is sought to be achieved by investing in equity and fixed income securities, including money markets, in a diversified manner, with 75% of assets invested in equity securities. Depending on the market situation and for better achievement of its objective, it is permitted to increase and reduce the weight of equity investments in the range of 60% to 90% of the strategy portfolio assets.

The strategy is suitable for investors who wish to take on higher risk and make long-term (at least 7 years) investments.

documentMonthly overview

Balanced Strategy

The objective of the strategy is to achieve medium-term growth of the assets invested that is attainable at a moderate level of risk. This is sought to be achieved by investing in equity and fixed income securities, including money markets, in a diversified manner, with 40% of assets invested in equity securities. Depending on the market situation and for better achievement of its objective, it is permitted to increase and reduce the weight of equity investments in the range of 25% to 55% of the strategy portfolio assets.

The strategy is suitable for investors who want to make medium-term (at least 5 years) investments.

documentMonthly overview

Real Value Strategy

The objective of the strategy is to achieve some growth of the assets invested that is attainable at a low level of risk. Assets are mainly invested in fixed income securities, including money markets, and 10% of assets, on average, are invested in equity securities for diversification purposes and for improved return prospects. Depending on the market situation and for better achievement of its objective, it is permitted to increase and reduce the weight of equity investments in the range of 0% to 20% of the s1trategy portfolio assets.

The strategy is suitable for investors with little financial market experience and who wish to hold the portfolio for at least 3 years.

documentMonthly overview

Capital Preservation Strategy

The objective of the Strategy is to preserve the assets, which is sought to be achieved through investments in fixed income securities in a diversified manner. Up to 100% of the strategy assets are invested in fixed income securities, including money market instruments.

The strategy is suitable for investors who want to avoid strong investment volatility within one year or over a longer period of time.

documentMonthly overview

Before signing the agreement, evaluate and find the most suitable investment strategy – by filling out the questionnaire or sign up for an investment consultation.
Learn more about the investment solution and strategy recommended after filling out the questionnaire.
Choose the preferred strategy and sign the agreement.
You can check the concluded agreement, make changes in the agreement and keep track of the investment performance via Internet Banking.

Good to know

Regular payments are debited automatically from the current account at Swedbank. If regularity is not chosen - single payments need to be paid manually.

Your contract will become effective after your first payment is received.

During the period of agreement, you can:

Make additional payments at any time
Change payment frequency
Change regular insurance payment amount

Change your investment strategy at any time Time after time it is worthwhile to review the chosen investment strategy. Does it still match your risk tolerance and expectations? Sometimes it might be reasonable to change the investment strategy. The general rule is - the less time till the end of the time horizon you intended to invest the less risks should be taken. Sign up for a consultation, if needed.
Change beneficiary(ies)

Withdraw money from the agreement For contracts valid for less than 5 years, a service fee according to the price list applies.
Terminate the agreement For contracts valid for less than 5 years, a termination fee according to the price list applies.

Private Portfolio is a unit-linked life insurance contract. Prior to entry into the contract, please examine the terms and conditions of the contract, the key information document, the price list and the short prospectus at the website www.swedbank.ee. The list of investment related risks is provided in the short prospectus. The service provider is Swedbank Life Insurance SE.

Save your pension with the beneficial 2% + 4% scheme.

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Free transactions with Swedbank funds. You can even invest one euro at a time.

Private Portfolio

Key information documents

Single premium payment

Regular premium payments

A convenient and effective way of investing money

Private Portfolio Calculator

To find the most suitable investment strategy, fill out the questionnaire.

Aggressive Growth Strategy

Growth Strategy

Balanced Strategy

Real Value Strategy

Capital Preservation Strategy

Good to know

During the period of agreement, you can:

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