Private Portfolio

Key information documents

Single premium payment

Regular premium payments

Sustainability information

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.

Book a consultation

Minimum periodical payment amount according to pricelist is 50 € per month, 150 € per quarter, 300 € per half year, 600 € per year.

Note that if you won’t use regular payments, minimum amount of first payment defined in the pricelist is 1000 €.

Additional single payment

Enter the amount of the additional single payment, if you plan to make such in the beginning of the contract.

Additional single payment

€

Indicate the period during which you plan to invest. Meanwhile note that contract term is not limited, but you may terminate it at any time.

Choose one of the Private Portfolio strategies that is most suitable for you, taking into account your risk tolerance and planned investment period. The recommended investment strategy for you will be given after filling in suitability questionnaire.

Check possible investment return calculations by clicking on each of the different market scenarios below:

Positive scenario

This scenario reflects a positive performance based on the historically observed returns of this particular strategy over the period from 01.01.2012.- 31.12.2021.

As the basis for calculating of the performance the historically observed returns of the mentioned period were grouped by 5 years.

Then investment return used in this scenario was determined by selecting the one of the higher historically observed returns (90th percentile) over the 5 years holding period.

According to statistics, this or higher return was historically observed in only 10 % cases.

Moderate scenario

This scenario reflects a moderate performance based on the historically observed returns of this particular strategy over the period from 01.01.2012.- 31.12.2021.

As the basis for calculating of the performance the historically observed returns of the mentioned period were grouped by 5 years.

Then investment return used in this scenario was determined by selecting the median of historically observed returns (50th percentile) over the 5 years holding period.

According to statistics, this or higher return was historically observed in 50% cases.

Negative scenario

This scenario reflects a negative performance based on the historically observed returns of this particular strategy over the period from 01.01.2012.- 31.12.2021.

As the basis for calculating of the investment performance the historically observed returns of the mentioned period were grouped by 5 years.

Then investment return used in this scenario was determined by selecting the lowest of historically observed returns over the 5 years holding period.

Predicted savings amount Predicted amount that would be paid-out to you at the end of the contract. It is shown already net of contract fees.
€
Sum of payments Estimated total sum of payments to be paid into the agreement during its term.
€
Annual return
%

Schedule of payments and fees

Contract year	Total amount of payments	Contract fees Contract administration fee, which insurer deducts from contract according to price list.	Predicted savings amount This is the estimated value of savings at each contract year end calculated with estimated earning rates and payments you have defined above. Actual value of saving depends on actual investment performance of assets, which is not guaranteed. It is shown already net of contract fees.

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.

Private Portfolio is a unit-linked life insurance which means that the savings reserve depends on the value of its underlying assets, which in turn can either increase or decrease over time, however the past performance is not a guarantee for future returns. Prior to entry into the contract, please examine the key information document, the terms and conditions of the contract, the price list and the short prospectus at the homepage www.swedbank.ee. The service provider is Swedbank Life Insurance SE.

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.

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.

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

Start saving for a better future for your child today.

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

Sustainability information

A convenient and effective way of investing money

Check possible investment return calculations by clicking on each of the different market scenarios below:

Schedule of payments and fees

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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