P+ is owned by our members. There are no external shareholders who must benefit from your pension scheme, and all profits are returned to the members.

We have built a robust investment portfolio designed to deliver strong long-term returns. 

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

As a member of P+, you have a say in how your pension is invested and structured. You can do so by attending our annual general meetings, voting at board elections and participating in member surveys.

With P+ Life cycle you can choose your own investment and risk profile. We adjust the risk level according to your age, giving you a higher expected return in the early years and fewer fluctuations later in life. 

We are committed to supporting a sustainable development in the companies we invest in. And we have launched the investment profile P+ Sustainable for members who place extra focus on sustainability.

In P+ you are covered by a number of insurances providing financial security for you and your family if the unexpected happens. You can at any time adjust your insurance covers to match your needs. This provides security throughout life. 

As a member of P+, you and your family have free access to an both online doctor and psychologist. This makes it possible to address both mental and physical issues at an early stage, before they develop into more serious problems - even in a busy everyday life. 

We know that you make your living by using your mind. We insure not only insure your physical mobility, but also your professional competence. Accordingly, you may be entitled to disability pension benefits if you lose the ability to work as an academic.