Navigate to main page content
Become a customer

Private Portfolio

Sustainability annual overview

Key information documents

Sustainability information

According to the suitability questionnaire report, this service is not recommended for you. Based on the evaluation of the data provided in the questionnaire, this product is not appropriate to you. We recommend to select advised product which you can check in Suitability report before proceeding with contract conclusion.

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

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:

  • %

Schedule of payments and fees

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.

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.

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

  • 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 0.29% to 0.99% per year depending on the strategy and investment amount
  • 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

{ "chart": { "height": 120, "marginTop": -20, "marginBottom": 15, "spacingBottom": 5 }, "xAxis": { "visible": false }, "yAxis": { "visible": false }, "plotOptions": { "series": { "stacking": "percent" } }, "legend": { "enabled": true } }

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

{ "chart": { "height": 120, "marginTop": -20, "marginBottom": 15, "spacingBottom": 5 }, "xAxis": { "visible": false }, "yAxis": { "visible": false }, "plotOptions": { "series": { "stacking": "percent" } }, "legend": { "enabled": true } }

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 bonds, 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

{ "chart": { "height": 120, "marginTop": -20, "marginBottom": 15, "spacingBottom": 5 }, "xAxis": { "visible": false }, "yAxis": { "visible": false }, "plotOptions": { "series": { "stacking": "percent" } }, "legend": { "enabled": true } }

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 bonds, 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

{ "chart": { "height": 120, "marginTop": -20, "marginBottom": 15, "spacingBottom": 5 }, "xAxis": { "visible": false }, "yAxis": { "visible": false }, "plotOptions": { "series": { "stacking": "percent" } }, "legend": { "enabled": true } }

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 bonds, 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

{ "chart": { "height": 120, "marginTop": -20, "marginBottom": 15, "spacingBottom": 5 }, "xAxis": { "visible": false }, "yAxis": { "visible": false }, "plotOptions": { "series": { "stacking": "percent" } }, "legend": { "enabled": true } }

The objective of the Strategy is to preserve the assets, which is sought to be achieved through investments in bonds in a diversified manner. Up to 100% of the strategy assets are invested in bonds, 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

 
  1. Before signing the agreement, evaluate and find the most suitable investment strategy – by filling out the questionnaire or sign up for an investment consultation.
  2. Learn more about the investment solution and strategy recommended after filling out the questionnaire.
  3. Choose the preferred strategy and sign the agreement.
  4. 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.

Your Private Portfolio savings create a better future

By choosing Swedbank you make sure your money is invested into companies that care about fair wages, gender equality, climate change mitigation, responsible consumption and production. The integration of sustainability risks into investment-decision processes is critical to for a greater chance of a long-term return on investments.

Support sustainable business with your Private Portfolio savings

When money is invested in sustainable companies, it contributes to social and environmental well-being and responsible business.

Source: World Federation of Exchanges

  • CO2 Emissions
  • Energy usage
  • Natural resource usage
  • Waste and pollution
  • Climate change mitigation
  • Employee health & well-being
  • Human rights
  • Gender equality
  • Non-Discrimination
  • Fair pay
  • Business ethics
  • Transparency
  • Anti-corruption
  • Reporting
  • Responsible suppliers

Investors are actively directing money to sustainable funds.


{ "xAxis": { "visible": true, "categories": ["2014", "2016", "2018", "2036"] }, "yAxis": { "visible": true, "title": "" }, "legend": { "enabled": true }, "plotOptions": { "column": { "stacking": "normal", "dataLabels": { "enabled": false } } } }

Source: International Institute for Sustainable Developments

  • Private Portfolio savings promote E/S characteristics by refraining from investing in harmful industries or in companies which breaches of international norms.
  • For more information on the sustainability characteristics of this product, please refer to the Sustainability-related disclosures. Sustainability-related disclosures.
  • For more information on annual performance of the sustainability characteristics of this product, please refer to periodic report: 2023 report.

Statement on principal adverse impacts of investment decisions on sustainability factors

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.

Swedbank logo

Internet Exploreriga ei saa internetipanka avada.

Palun kasuta Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i.

Alates 23. märtsist ei ole võimalik Internet Exploreri veebibrauseri kaudu Swedbanki internetipanka avada.

Internet Exploreri kaudu ei saa teha ega kinnitada Swedbanki makseid ka teistel veebilehtedel.

Soovitame kasutada Internet Exploreri asemel Google Chrome’i, Mozilla Firefoxi või Microsoft Edge’i uusimat versiooni. Nende seadistamise juhendid leiad siit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klienditugi - Инфо и помощь - Customer service: +372 6 310 310

Swedbank
  • Teie operatsioonsüsteem ja veebilehitseja ei ole kaasaegne ega toetatud Swedbank internetipanga poolt. Palun uuendage oma operatsioonsüsteem ja veebilehitseja või pöörduge vastava IT tehnilise spetsialisti poole.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.


Contacts

SWEDBANK AS
Liivalaia 8, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

Useful links

Legal information

Customer programmes

This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.