Kåpan Tjänstepensionsförening

Kåpan Tjänstepensionsförening is a Swedish occupational pension association that manages collectively agreed occupational pensions for individuals who are or have been government employees. The association offers traditional pension insurance with a focus on providing long-term, stable pensions to its members. As a mutual insurance association, Kåpan is owned collectively by its members, ensuring that all surplus is returned to them. The association manages approximately SEK 170 billion for over 900,000 members, aiming to deliver good long-term returns at the lowest possible cost while contributing to sustainable development in society.

The association offers several insurance products, including Kåpan Tjänste, Kåpan Valbar, Kåpan Extra, and Kåpan Flex. All these products are part of the pension agreement PA 16 in the government agreement area. Kåpan Tjänste is the mandatory component, while the other products offer additional options for members. The association's investment strategy focuses on balancing risk and return, taking into account environmental, social, and economic aspects in its operations and investments.

Kåpan's financial performance reflects its commitment to its members. As of December 31, 2024, the association had SEK 167.454 billion in managed capital, with a solvency ratio of 265%. The average return over the past five years was 6.9%, and the total variable cost was 0.09%. These figures demonstrate Kåpan's dedication to providing stable and competitive pensions to its members while maintaining efficient operations.