P+ is owned by its members. There are no external shareholders who must benefit from your pension scheme in P+, and this means that the entire surplus is distributed to you.

We have build a robust portfolio that can yield a high long-term return. In 2023, this resulted in the highest return on the market among all market rate products. 

We have some of the lowest costs on the market, and you pay a fixed, low administrative fee. This means more money for your retirement.

In P+ you can make your influence count by attending our annual general meetings, by voting when we have board elections and by participating in member surveys.

With P+ Life cycle you can choose the investment and risk profile yourself. We adjust the risk level according to your age which gives you a higher expected return when you start saving for retirement and less fluctuations later on. 

We work determinedly to support a sustainable development in the companies we invest in. And we have introduced the investment profile P+ Sustainable for the members who prioritise extra sustainabilty-focused choices in their investments.

In P+ you are covered by a number of insurances which provide financial security for you and your family. You can at any time adjust your insurance covers to match your situation. This provides security throughout life. 

When you pay contributions to a pension scheme in P+, you and your family have access to both online doctor and psychologist. This way you can react early if you have mental or physical issues - even in a busy everyday life. 

We do not only insure your mobility, but also your professional competency. Accordingly, you may be entitled to disability pension benefits if you lose the ability to work as an academic.