Savings and Investments
No matter what you are saving for or how much capital you have, the most important thing is simply to get started. Whether you want to invest a lump sum or start saving a little every month, we have the right options for you.
Investments involve risk.
Get Started With Your Savings
Whether you want to save in funds, in a secure savings account, or actively invest in stocks, Quartal offers comprehensive platforms tailored to your needs.
- Broad Fund Selection: Choose from over 600 funds, of which 38 are top ranked by Morningstar. Fund fees start from just 0.1%.
- Global Stock Trading: Trade stocks directly on 15 stock markets worldwide. Brokerage fees start from 0.09% (minimum 1 SEK).
- Sustainable Choices: Our Quartal Sustainable Selection gathers both external and internal funds that pass our strict environmental and social sustainability criteria.
Frequently Asked Questions About Savings and Investments
How much should I save?
Generally, we recommend that you save at least ten percent of your net salary in total. At least five percent of that should be earmarked specifically for retirement. How much you should save each month depends heavily on your current phase of life. Start by building a secure cash buffer for emergencies, and then you can start thinking more long term.
Funds or Stocks?
Funds and stocks have both proven to provide excellent returns over time. How you invest depends entirely on your risk tolerance and how active you want to be.
- Funds: A convenient, passive solution where a professional manager handles the investments for you. Fund saving generally involves lower risk because your money is automatically spread across dozens of different securities.
- Stocks: Investing in individual stocks can yield greater potential returns but involves significantly higher risk. Building your own stock portfolio requires dedicated time, financial knowledge, and ongoing commitment.
What is the compound interest effect?
The compound interest effect is when you earn returns on your previous returns. Albert Einstein famously called it the strongest force in the universe. The higher the return you get, the more powerful the compound interest effect becomes, allowing your money to grow exponentially over decades.
Saving in funds involves risk. Historical returns of funds are no guarantee of future returns. The money invested can both increase and decrease in value and it is not certain that you will get back the entire invested capital. Funds with risk class 5 to 7 can fluctuate significantly in value.
