Safe Pension Fund Calculator

We recommend to start saving with EUR 30 per month. You may pay additional contributions and thus to increase the saving amount or to pay less if you face financial difficulties.

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You can define that monthly payment will be increased every year strating from contract conclusion. This helps to keep your payments in correspondance with the increase of costs of living (inflation).

Estimated annual average earning rates of underlying assets Values below were used for calculations of saving values the estimated results at the end of contract. Yileds Earning rates of underlying assets for this contract are not guaranteed and future cannot be prognosed predicted. In order to see the impact of different investment yields to your savings you can enter different rates and calculate the results with better and worse more positive and negative scenarios.

	Estimated results at the end of contract	Estimated results (with discount)
Estimated value of savings at contract end It's estimated (prognosed) value of savings calulated with estimated interest rates and payments you have defined above. Actual value of saving depends on actual investment performance of assets. Investment performance is not guaranteed as it depends on underlying assets earnings from financial markets during contract period. It is shown already net of contract fees.	€	€
Estimated total payment Estimated total sum of payments made into contract.	€	€
Estimated guaranteed amount at contract end Guaranteed amount becomes important should investment yield be negative by the contract Maturity. This gives the protection that the payout at contract maturity will not be lower than the guaranteed amount, regardless of how investments perform. The guaranteed amount at contract maturity is equal to total amount of premiums paid into contract minus contract fees. If the contract is cancelled prior to maturity, the guaranteed amount is no longer applicable.	€	€
Estimated total fees This is the estimated total amount of fees insurer has deducted from the contract according to documentpricelist. These fees are already taken into account in the contract savings value.	€	€
Estimated payout at contract end The payout at contract maturity equals the biggest of: value of savings at that moment or the guaranteed amount.	€	€

Schedule (Favourable scenarioModerate scenarioUnfavourable scenario)

The forecast results are provided with applied 50% discount for agreement administration fee.

Contract year Contract year is a full year (12 month) period that ends with with the contract maturity day. 1st contract year can be shorter than 12 months.	Total payment amount Total paymant amount by the end of contract year from the contract start.	Management and guarantee fees according to pricelist Management fee is used for management of your contract's life cycle investment portfolio and guarantee fee to protect your contract against negative investment results	Estimated Investment reserve at Contract year endIt's estimated (prognosed) value of savings calulated with estimated interest rates and payments you have defined above. Actual value of saving depends on actual investment performance of assets. Investment performance is not guaranteed as it depends on underlying assets earnings from financial markets during contract period. It is shown already net of contract fees.	Guaranteed amount Guaranteed amount becomes important should investment yield be negative by the contract Maturity. This gives the protection that the amounts contributed by you would not decrease due to the negative return of the funds - the accumulated money can decrease only by the contract fees. Should value of savings be less than guaranteed value by contract Maturity, the guaranteed value is paid out.

Calculations are made according to data of the Safe Pension Fund, having considered standard fees for services, and discounts, if any are applied in the agreement and your selected average annual return of investments. This example is just for illustration and may not be treated as the insurer’s offer or insurer’s obligation to save the specified amount. The insurer does not guarantee profitability of investments or saved amount. During the term of the contract the saved amount may both increase and decrease.
Forecast made is just an example calculated following assumptions selected by you and does not guarantee that investment value of the contract will coincide with figures specified in the example.
We would like to draw attention that investment value of the contract may both increase and decrease, and is subject to actual profitability of investments. The insurer does not guarantee profitability of investments or saved amount. The insurer will pay the guarantee amount only provided the contract remains effective until maturity date and investment amount on maturity date is less than the guarantee amount.
Please apply for details the closest division of Swedbank, call 1884 or mail at the address: info@swedbank.lt.
The calculator uses indicators and calculating logic (planned amount of insurance payment, length of collection period, expected yield and its scenarios) that differ significantly from the requirements set for main information of combined retail and insurance-based investment products. In making a choice regarding an insurance product please review the results of the forecasts set out in the yield scenario table under ‘What are the risks and what could I get in return?’ in the Key Information document.

Safe Pension Fund Calculator

Safe Pension Fund Calculator

Schedule (Favourable scenarioModerate scenarioUnfavourable scenario)

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