Pension advice for individuals
We help you plan for a secure and sustainable pension
A well-thought-out retirement plan is essential for financial security after working life. At Cefund, we offer independent pension advice for private individuals who want to take control of their retirement capital and build a stable financial foundation for life after work.
Whether you are approaching retirement or still have many years left in your career, we help you gain a clear overview, consolidate your pensions, and make informed decisions for the future.
What does pension advice for individuals entail?
Pension advice is about getting help to understand, plan, and optimise your future financial outcome. We analyse your existing pension savings, carry out a needs assessment, and present clear, practical recommendations on how you can improve your retirement finances based on your circumstances and goals, with a focus on identifying the most suitable pension savings solution for you.
We are completely independent of banks and insurance companies, which means we only recommend solutions that are beneficial to you. Our independent pension advice is built on transparency, openness, and a personalised approach.
Our private pension advisory services
Consolidate your pensions for a clearer overview
We help you consolidate your pensions in one place. This gives you greater control and better conditions for optimising how your capital is managed. Many individuals miss out on significant potential returns simply because they lack a clear overview. We also assess whether it may be beneficial to transfer your occupational pension to a solution with lower fees, a broader range of funds, and greater flexibility.
Advice throughout the retirement phase
Pension advice is just as important after you have started drawing your pension. We help you manage your capital during the payout phase as well, so that you do not miss out on continued growth. The focus is on balancing security, liquidity, and returns.
A plan for those who want to retire earlier
Would you like to stop working earlier than the average retirement age? We help you review your options and create a sustainable plan based on your finances and goals. With the right strategy, you may be able to retire earlier without compromising your financial security.
Flexible management of your retirement capital
We offer a flexible management strategy based on your time horizon, risk tolerance and current market conditions. By using capital insurance and a broad range of funds, we aim to optimise the potential for long-term, risk-adjusted returns.
Why choose Cefund for pension advice?
- Independent advice without conflicts of interest
- A comprehensive review of your entire pension and savings structure
- Personal adviser with experience in creating sustainable cash flow
- Smart capital management with a focus on long-term returns
Our approach is based on relationships rather than product sales. We make sure you always have full transparency and control over your pension investments.
How Do I Become a Customer at Cefund?
It starts with a no-obligation meeting where we review your current situation, your goals, and your overall financial position. We then develop a strategy tailored to you. Everything is signed digitally and handled 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 the amount of capital under management and the type of solution. Through our net account and net fund model, you benefit from lower costs and fewer conflicts of interest.
What Protection Do I Have as a Customer of Cefund?
Your assets are held with Strivo, a regulated Swedish custodian. Cash deposits are protected by the Swedish deposit guarantee up to SEK 1,050,000. Securities investments are covered by 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 different insurance providers in one place. This provides a clearer overview, lower fees, and better conditions for building the pension savings solution that is right for you.
Can I Transfer My Occupational Pension to Cefund?
In many cases, yes. We analyse your current arrangements and assess whether a transfer is possible and financially beneficial. You receive guidance throughout the entire process.
How Do I Access My Holdings and Updates?
Take the next step towards a secure retirement
Whether you want to consolidate your pensions, plan for early retirement, or gain better control over your retirement capital, we can help. With independent pension advice, you receive a personalised solution tailored to your goals.