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This is demonstrated by the AMF Relocation Report, which is now being presented for the fifth consecutive year. The report shows statistics on collectively agreed occupational pension transfers and is combined with interviews with savers who have transferred their occupational pension from AMF.
The idea of moving has often been brought up by someone else, primarily a bank or financial advisor, and half don’t compare different options before moving in, the report shows.
“It should be an active option”
– We are strong defenders of the right to circulation and it is positive that individual savers can choose an administrator and transfer their pension capital wherever they want. It provides greater freedom, consumer power and influence over one’s pension and the future. But no one should transfer their occupational pension against their will or without knowing it. We see that unconsciousness is increasing again at the same time that many end up in a different form of savings than they want, says Aino Bunge, vice president and chief of staff of AMF.
She believes that it should be an active option for the saver to change the manager and form of savings and that there is a great responsibility in companies that start a movement.
– But we also see that there are opportunities to improve the provision of information. At present, for example, the collectively agreed market is not covered by the industry recommendation on relocation fact sheets through minPension. Knowledge about occupational pensions and the clear facts about what a move means should be conveyed through objective parties, he says.
“Keep your head cool”
The main reason for transferring the occupational pension is the desire to collect your savings with an actor. In cases where a bank raised the idea of relocation, more people than before – 44 percent (34 percent in 2019) – contacted the bank to negotiate mortgages.
– Contacts with the bank about mortgages often lead to the transfer of the occupational pension. Here it is important to keep a cool head and try to calculate how much the total customer discount is worth in the long run, not just for the next year. It’s important to find out where you’re moving from and where, says Dan Adolphson Björck, a security economist at AMF.
