Pension Funds: Save Easily for Retirement
Save according to your age in a generation fund. These funds automatically adjust their risk level based on your time horizon until retirement. Simply choose the fund corresponding to the decade you were born.
Saving in funds involves risk.
What Are Generation Funds?
Generation funds are mixed funds specially designed for pension savings. The closer you get to your planned retirement age, the lower the proportion of equities in the fund. At the same time, the proportion of fixed income securities increases. This ensures that the risk is automatically lowered as you approach retirement.
To maximize the benefits of a generation fund for your private savings, we recommend opening a Framtidskapital capital insurance. It offers flexible payouts, favorable taxation, and access to all our generation funds.
Quartal’s Generation Funds
We offer generation funds for all age groups from the 1950s to the 1990s, as well as a Senior fund for those already retired.
Generation Fund 90s
- Suitable for those born 1990 to 1999, planning to retire around 2060.
- Current allocation: 95% equities, 5% bonds.
- Risk reduction begins in 2050.
Generation Fund 80s
- Suitable for those born 1980 to 1989, planning to retire around 2050.
- Current allocation: 95% equities, 5% bonds.
- Risk reduction begins in 2040.
Generation Fund 70s
- Suitable for those born 1970 to 1979, planning to retire around 2040.
- Current allocation: 95% equities, 5% bonds.
- Risk reduction begins in 2030.
Generation Fund 60s
- Suitable for those born 1960 to 1969, planning to retire around 2030.
- Current allocation: 70% equities, 30% bonds.
- Risk reduction began in 2020.
Generation Fund 50s
- Suitable for those born 1950 to 1959 who retired around 2020.
- Current allocation: 20% equities, 80% bonds.
Generation Fund Senior
- Suitable for those born in the 1940s who are fully retired.
- Current allocation: 20% equities, 80% bonds.
Climate and Sustainability Criteria
Quartal Funds applies strict sustainability criteria to all generation funds. Holdings must receive an approved ESG rating (environmental, social responsibility, and corporate governance).
The funds adhere to our fossil fuel policy, aligned with the Paris Agreement. The manager does not invest in companies with significant fossil fuel exposure unless they demonstrate a credible transition strategy.
Creating Your Own Premium Pension Portfolio
You can select Quartal generation funds for your state premium pension (PPM) via the Swedish Pensions Agency. If you prefer to actively manage your premium pension, you can build your own portfolio using our other funds.
To select a fund, log in to the Swedish Pensions Agency and search using the specific fund number:
| Fund Name | PPM Fund Number |
|---|---|
| European Sustainable Stars | 196097 |
| Global | 282517 |
| Global Emerging Markets | 995571 |
| India Fund | 469692 |
| China Fund | 653097 |
| Nordic Fund | 861757 |
| Small Cap Fund Nordic | 286294 |
| Bond Fund | 648964 |
| Real Interest Rate Fund | 131409 |
| Stratega Interest | 840090 |
| Swedish Bond Stars | 613133 |
Important Notice
Saving in funds involves risk. Past performance is no guarantee of future returns. The value of your investment can both increase and decrease, and it is not certain that you will recover the full amount invested.
