Quartal SparaSmart: Long-term and Secure Savings
SparaSmart is a flexible and ready-packaged capital insurance. You simply choose how much you want to save and the savings profile that suits you (Conservative, Balanced, Growth, or Pension). We take care of the rest.
Investing involves risk.
What is SparaSmart?
SparaSmart is a convenient savings plan where we manage everything for you.
- Four different savings profiles: Choose a risk level that matches your goals.
- Save monthly or flexibly: Start saving from just 100 SEK per month.
- Diversified risk: The portfolios include stocks, fixed income investments, unlisted companies, and real estate.
- Flexible payouts: You decide when and over how long the money should be paid out.
- Save tax-free: Up to 300,000 SEK (Note: The tax-free amount applies per person across all your capital insurance policies).
Choose Between Four Savings Profiles
Depending on which savings profile you choose, your money is managed in the portfolio Smart Growth, Smart Conservative, or a combination of the two.
- Conservative: 100% in the Smart Conservative portfolio.
- Balanced: 50% in Smart Conservative, 50% in Smart Growth.
- Growth: 100% in the Smart Growth portfolio.
- Pension: Starts in Smart Growth and gradually moves to Smart Conservative as you approach retirement payout.
SparaSmart is taxed annually on a standard basis. You do not need to declare or pay capital gains tax when you withdraw money. Instead, you pay a yearly yield tax based on the total value of your savings.
How We Manage Your Money
In SparaSmart, we invest your savings across several different asset classes to balance growth, stability, and risk control.
- Stocks: The engine of the portfolio. They fluctuate more in value but offer the greatest long-term growth potential.
- Interest-bearing securities: Bonds provide steady, predictable returns and act as a shock absorber.
- Real estate: Creates stability and acts as a strong hedge against inflation. Rental income often increases in line with general economic pricing.
- Unlisted companies: Private equity investments complement stocks and increase overall portfolio diversity. Historically, companies like Spotify and Klarna grew significantly through private equity before going public.
Fees and Costs
| Fee Type | Amount |
|---|---|
| Capital fee (per year) | 0.90% |
| Capital management fee (per year) | 0.11% to 0.17% |
A small risk fee is also applied annually based on the age of the insured person. For a 40-year-old with 100,000 SEK saved, this fee is approximately 1.50 SEK per year.
Beneficiaries and Payouts
SparaSmart includes repayment protection. If you pass away, the money is paid out directly to your chosen beneficiaries. The default beneficiary order is spouse/cohabitant, followed by children, and then legal heirs.
Since SparaSmart is a capital insurance, you can also assign the money to a child and strictly define exactly when they receive the payout (e.g., at age 25 rather than automatically at 18).
With SparaSmart, you choose when to start your payouts. You can withdraw the money whenever it suits you, or set up automated monthly payouts spanning 5 to 30 years.
