Pension advice for individuals
We help you plan for a secure and sustainable pension
A well-thought-out pension plan is essential for financial security after working life. At Cefund, we offer independent pension advice for individuals who want to take control of their pension capital and build a stable foundation for life after work.
Whether you are close to retirement or have many years left in your working life, we help you get a clear overview, consolidate your pensions and make smart decisions for the future.
What does pension advice for individuals entail?
Pension advice is about getting help to understand, plan and optimize your future financial outcome. We analyze your existing pension provisions, conduct a needs analysis and present clear, concrete proposals on how you can improve your pension based on your life situation and your goals, with a focus on finding the best pension savings for you.
We are completely independent from banks and insurance companies, which means that we only recommend solutions that are beneficial for you. Our independent pension advice is based on transparency, openness and personal adaptation.
Our offering within private pension advice
Consolidate your pension for a better overview
We help you consolidate your pension in one place. This gives you better control and better conditions to optimize management. Many individuals miss out on significant returns simply due to a lack of overview. We also evaluate the possibility of transferring your occupational pension to a solution with lower fees, better fund selection and increased flexibility.
Advice throughout the retirement phase
Pension advice is just as important after you start drawing your pension. We help you manage the capital even during the payout period, so that you do not miss out on continued growth. The focus is on balancing security, liquidity and return.
Plan for those who want to retire earlier
Do you want to be able to stop working earlier than average? We help you review your options and create a sustainable plan based on your finances and your goals. With the right strategy, you can take the step earlier without compromising your security.
Flexible management of your pension capital
We offer a flexible management strategy based on your time horizon, your risk tolerance and the market situation. By using capital insurance and a wide range of funds, we optimize the opportunities for long-term and risk-adjusted returns.
Why choose Cefund for your pension advice?
- Independent advice without conflicts of interest
- Comprehensive analysis of your entire pension and savings setup
- Personal advisor with experience in creating secure cash flows
- Smart capital management with a focus on long-term returns
Our way of working is based on relationships rather than product sales. We ensure that you always have full insight and control over your pension investments.
How Do I Become a Customer at Cefund?
It starts with an informal meeting where we go through your current situation, your goals and your overall financial picture. Then we develop a strategy that suits you. Everything is signed digitally and smoothly.
How much Does it Cost to get Pension Advice from You?
We offer full transparency regarding our fees. You pay a clear fee based on managed capital and type of solution. Through our model with net custody account and net fund, you get lower costs and fewer conflicts of interest.
What Protection Do I Have as a Customer of Cefund?
Your assets are held at Strivo, a regulated Swedish deposit institution. Liquid funds are protected by the state deposit guarantee up to SEK 1,050,000. Securities investments are covered by the investor protection up to SEK 250,000.
Can I Consolidate all My Pensions with You?
Yes. We help you consolidate pensions from previous employers and various insurance providers in one place. This provides a better overview, lower fees and creates the right conditions to build the best pension savings for you.
Can I Transfer My Occupational Pension to Cefund?
In many cases, yes. We analyze your current solutions and assess whether a transfer is possible and profitable. You will receive guidance throughout the entire process.
How Do I Access My Holdings and Updates?
Take the next step towards a secure pension
Whether you want to consolidate your pensions, plan for an earlier retirement or gain better control over your pension capital, we can help you. With independent pension advice, you get a personal setup that is tailored to your goals.