Lysa 2.43.1

With a tailored mutual fund portfolio designed specifically to meet your individual needs, we aim to simplify your saving process while reducing the likelihood of making errors.

HOW Lysa Benefits You:

• Provides a research-based, intelligent investment approach [1]
• Creates a personalized fund portfolio with an appropriate risk level
• Includes carefully selected index funds with low fees

THE PROCESS IN BRIEF:

With Lysa, your savings can grow passively without requiring constant attention. The only step you need to take is answer a few questions about your savings goals. We handle the rest by offering a broad, cost-effective fund portfolio customized for your needs and preferences.

1. Receiving Investment Recommendations

Start by answering questions about yourself, your financial situation, and your savings objectives. Based on your responses, we prepare an investment proposal for a fund portfolio that aligns with your desired risk level and specific savings goal.

2. Opening an Account

By accepting the investment proposal, a new ISK account is automatically opened with the selected fund portfolio. Opening an ISK account through Lysa is free of charge, and you may establish multiple accounts for different savings purposes.

3. Automatic Investment

When you make monthly contributions or deposit funds into your Lysa account, they are invested automatically according to your portfolio’s target allocation. We also ensure your savings maintain the appropriate risk level through automatic rebalancing.

HOW Lysa Manages Your Portfolio:

• Automatic execution of all deposits
• Continuous portfolio rebalancing
• Automatic reinvestment of dividends
• Negotiates lower costs on funds you invest in

SELECTED ADVANTAGES:

• Easy setup within 5 minutes
• Unlimited free withdrawals and transfers
• Migrating existing savings via ISK transfer is straightforward
• Invite friends and receive discounts on Lysa’s fees

A SAVINGS SERVICE THAT WORKS FOR YOU:

• Your sole focus: Your interests
• The financial industry often profits from multiple channels; unlike many providers, Lysa is paid exclusively by its customers. We do not accept kickbacks or hidden fees from third parties. Our primary focus remains solely on your financial well-being.
• Low fees
• The evidence is clear: minimizing costs significantly enhances long-term returns. With Lysa, you pay an annual total fee of approximately 0.4%, roughly 70% less than the average Swedish equity fund. We dedicate substantial effort to lowering our clients’ expenses.
• Research-driven methodology
• Lysa’s investment approach leverages Nobel Prize-winning research emphasizing low fees and broad diversification for optimal risk-adjusted performance. Funds are invested automatically in broad-based, low-cost index funds featuring thousands of companies worldwide.
• Customized to your needs
• Achieving the correct risk profile is essential. By answering a few questions about your savings intent, we create a Lysa account with a fund portfolio calibrated to match your specific risk tolerance and goals.
• Your financial peace of mind
• Markets fluctuate, but we ensure your accounts maintain appropriate risk levels through automatic rebalancing—allowing you to rest assured that your savings remain on track without constant monitoring.
• The safety you expect from a bank
• Lysa provides the same security as traditional banking—with deposits protected under deposit guarantee schemes until invested in fund shares owned by you that are kept separate from Lysa’s assets.

FAST FACTS ABOUT LYSA:

Lysa was established in 2017 with offices in Stockholm and Karlskrona. Currently managing over SEK 25 billion for more than 125,000 paying clients across Sweden, Finland, Denmark, and Germany, Lysa ranks as the largest independent automated saving service in Scandinavia.

Footnotes:

1. Lysa’s investment strategy is rooted in Nobel-winning research emphasizing low fees and broad diversification for strong risk-adjusted returns.