Private Portfolio

Key information documents

Single premium payment

Regular premium payments

Private Portfolios are meant for people who value their time and convenience upon investing their money

The Private Portfolio suits you if you want to enter the financial world but you do not want to engage in daily investments.
By entering into a Private Portfolio contract, you agree the objectives, and the subsequent investment decisions will be made by the professionals in their field. You will be kept constantly informed of the investment results via the Internet Bank.

More about the advantages

An easy way to invest – choose a strategy according to your objectives and risk tolerance

You choose the investment strategy according to your objectives and your risk tolerance.
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Actively managed investment strategies

You choose a strategy according to your needs and your risk tolerance; we choose the substance of the strategy and manage it actively.
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Flexibility in investing money

You can invest money on monthly basis subject to the contract by direct debit or at the time and in the amount at your option. Similarly, you can take the money into use at any time.
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Convenient tracking of investments in the Internet Bank

Comprehensive information about the contract is available in the Internet Bank, where the owner of the contract can tract the rate of return based on the contract, cash flow information, transactions in units, and make amendments in the contract.
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Good to know

Taxation

Exchange of assets inside the Private Portfolio is exempt from income tax. The share of profits is subject to income tax liability only if the amount withdrawn from the contract is bigger than the one paid into it.

document Taxation of life insurance contracts

Succession

If a beneficiary is determined in the Private Portfolio contract, the contract is not included in the estate. In case a Private Portfolio owner dies, the total value of the investments shall be paid to the person previously determined in the contract. The insurance shall add two more percent to the value of the investments.

Aggressive growth strategy

The objective of the strategy is to achieve maximum possible rate of return over long term which is sought to be achieved by investing in equity securities in diversified manner. This strategy suits clients with more experience in financial markets and with long-term time horizon (at least 10 years) who seek maximum growth of assets and who are willing to assume high risks for that purpose (risk comparable with equity investments - high price volatility and substantial risk of loss of large part of capital).

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 strategy suits clients with more experience in financial markets and with longer than medium term time horizon (at least 7 years) who seek growth of assets and who are willing to assume higher risk for that purpose. The client should be prepared for significant price volatility and to bear substantial risk of partial loss of capital.

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 strategy suits clients with less experience in financial markets and with medium-term time horizon (at least 5 years) who seek actual growth of the assets at a moderate risk level. The client should be prepared for some price volatility and to bear the risk of partial loss of capital.

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. The strategy suits clients with less experience in financial markets and with medium-term time horizon (at least 3 years) who seek some growth of the assets at a low risk level. The client should be prepared to bear some risk of partial loss of capital.

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. This strategy suits clients with less experience in financial markets and with medium-term time horizon (1-3 years) who seek to preserve the assets at a low risk level with no explicit capital guarantee.

Private Portfolio Calculator

Savings period: years
Monthly payment: €
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	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.

The Private Portfolio owner may take the easy option when making the investments - the daily investment decisions are made for him by the portfolio managers after the investor has chosen the strategy. The Private Portfolio owners must get involved only in case the chosen strategy no longer suits their objectives.
Fund plans on the other hand are suitable for well-informed investors who enjoy the opportunity to compile their investment portfolio themselves and manage it actively. Even in case the standard portfolio based on the strategy and recommended by Swedbank is chosen, the shares of funds must be rebalanced or even the funds must be changed from time to time as appropriate in order to make the structure of the portfolio comply with the strategy chosen.

The Private Portfolio has five strategies in order to offer the opportunity to invest money to customers with different risk tolerance and objectives. By choosing the strategy you determine the principal investment rules: in which assets and instruments your money is invested, which risks are taken, and which could be the recommended duration of the investment.

You can change the strategy at any moment. Should your needs change, you can always exchange the strategy chosen for another one. No fees or income tax liability will arise from this in case of the Private Portfolio.

Changes in the strategies are made according to the need, e.g., if the situation on the financial markets requires a change – either balancing of the investments or replacement of certain investments. The strategies are managed as agreed in the short prospectus and according to the strategic distribution of the assets. The choice of strategies is based on quantitative analysis, measuring the historical rate of return, risk level, management and investment process.

The Private Portfolio contract can be terminated at a bank branch or using the Internet Bank. To terminate the contract using the Internet Bank, you should first call the Investment Helpline, phone 613 1606, or contact them by the e-mail address investeerimistugi@swedbank.ee. A service charge of 0.5 % of the disbursement is applied upon termination of the contract based on the price list, if the termination application is submitted when less than five years have expired from the entry into the contract. When five years have already expired, no service fee shall apply upon termination of the contract.

A regular payment schedule can be terminated using the Internet, when you access your Private Portfolio contract in the Internet Bank. Please select from the menu: Property and life insurance -> My contracts -> Private Portfolio -> Changes-> Change of the method of payment.

The Private Portfolio is a unit-linked life insurance contract and in case the Private Portfolio owner dies, the disbursement shall be really made to the beneficiary indicated in the contract (unlike e.g. the investments held in the securities account). The amount to be disbursed is the value of the portfolio, to which the insurer adds 2 % (based on the law the minimum amount disbursed in case of death is 102 % of the value of the accumulation reserve).
As the objective of the Private Portfolio is still to invest, it is impossible to agree on a higher insurance cover in this contract. If you wish to give your family confidence for a bigger amount than that accumulated in your Private Portfolio, we recommend finding of a suitable solution from among the insurance products offered by Swedbank. Read more about these options in the Internet Bank under „Property and life insurance”.

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 price list and the short prospectus at the homepage www.swedbank.ee. The list of investment related risks is specified in the short prospectus. The service provider is Swedbank Life Insurance SE.

Monthly overviews of strategies

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