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Welcome to VFF Pension

Welcome to VFF Pension

Welcome to VFF Pension. On this website we have gathered together everything you need to know about Volvo Företagspension and our operations. If there is anything you want to ask, do not hesitate to get in touch with us.

Marie Hagstedt, VD

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When you log in to your personal pages you can see all the details of your savings with us. You can log in conveniently with your Bank-ID.

Contact us
  • 031-66 12 10
    Monday - Thursday 9-11 and 13-16, Friday 9-11 and 13-15
  • Götaverksgatan 2
  • M2.7, 405 08  Göteborg

SAF-LO collectively agreed occupational pension

In addition to the customary retirement pension, most people have some form of pension through their place of work. Employees of private companies that are linked to a collective bargaining mechanism have an occupational pension known as the SAF-LO Collectively Agreed Occupational Pension. The asset management structure for VFF Pension’s SAF-LO Collectively Agreed Occupational Pension is traditional management. VFF Pension can no longer be selected as an insurance provider for the SAF-LO Collectively Agreed Occupational Pension.

Traditional management

Traditional management means that VFF Pension handles your assets and that as a policy-holder, you are guaranteed a specified sum when you start withdrawing your pension. With traditional management you get a guaranteed interest rate and when the operation generates a surplus, a bonus is also paid out. This bonus is not guaranteed, and may vary from time to time.

How much will your pension be?

Your pension is based on your paid-in premiums and guaranteed interest. The guaranteed interest depends on when the premiums were paid in. The bonus interest that is paid over and above the guaranteed interest is not a guaranteed payment, but may instead increase or decrease as conditions change. The size of the pension that is paid out also depends on when you start withdrawing your pension, and the payment period you choose. Paid pensions are subject to taxation as income from employment.

Repayment cover

You can opt to start your insurance with or without repayment cover. If you do not make a choice, your insurance will automatically start without repayment cover. In order to add, remove or change repayment cover, please contact Fora; see below.

Bonus rate

The bonus rate is 3% as of April 1st 2020.


0.5 % premium fee
0.3 % annual fee based on the insured capital

Transfer of insurance

If your SAF-LO insurance is managed by VFF Pension, you can choose to transfer your insurance capital to a different insurance provider on condition that payments have not yet begun. To transfer your insurance, please contact Fora; see below.

In connection with transfer of your insurance capital, a market value adjustment will be undertaken if the consolidation level is below 100 %. This means that the insurance capital in your policy will be reduced.

The administrative fee for transfer is SEK 800.

Once your insurance capital has been transferred, you cannot change your mind, and VFF Pension’s obligations will cease.

Insurance terms and conditions

The insurance terms and conditions for the SAF-LO Collectively Agreed Occupational Pension can be found in Forms and documents


For transfer of insurance and changes to repayment cover as well as more information about the SAF-LO Collectively Agreed Occupational Pension, please contact Fora on +46 (0)8-7874010 or visit the company’s website:

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