What Futur does

Futur is a Stockholm-based digital pension and savings platform serving the Swedish market across three customer segments: private individuals (Privat), corporate clients (Företag), and a partner channel of advisors and financial institutions (Partner). The company provides occupational pension, contractual pension, endowment pension, life insurance, and private pension services through a unified web-based platform accessible at futur.se, with BankID serving as the native authentication mechanism for secure user access.

The platform is structured around core pension management functionality supplemented by modular add-ons: Fondutbud (fund offerings) and Fondlista (fund list) provide access to and information about available investment funds, while Hållbarhet (sustainability) delivers ESG-oriented investment options. The product architecture consolidates retirement savings that may otherwise be fragmented across multiple providers, addressing a structural pain point in the Swedish pension landscape. Headcount is reported at 101–250 employees, and the company has scaled assets under management to SEK 240 billion (tripled since 2019) while quadrupling profits over the same period, indicating strong operating leverage typical of asset-gathering platforms.

Futur's business model is built on managing and distributing pension and savings capital, generating revenue from fees on SEK 240 billion in AUM across its individual, corporate, and partner channels. Pricing is not publicly disclosed. Ownership is anchored by Acathia Capital, which has been the lead institutional investor since the 2018 funding round alongside Polaris, Sampension, and Unigestion, and which has subsequently increased its position through secondary transactions in 2022 and 2024. The company operates exclusively in Sweden and does not disclose evidence of geographic expansion beyond the domestic market.

Name

Futur

Legal name

Futur

Website

https://futur.se

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

Futur is a Stockholm-based digital pension and savings platform serving Swedish private individuals, corporate clients, and partner distributors. It offers consolidated pension management, fund selection, and ESG investment options through a BankID-authenticated web platform managing SEK 240 billion in assets.

Ownership category

akta.pro rank

Product category

Pension and Retirement Services

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251), Pension Funds (52511), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Savings Automation & Goal-Based Savings (FSAGADAC)

akta.pro secondary industry

Identity, Fraud & Insurance-Specific RegTech Platforms (FSAGAGAJ)

Keywords

• Pension management services
• Retirement savings platform
• Occupational pension plans
• Pension fund marketplace
• Digital insurance services

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Core offering

Futur is a Swedish digital pension and savings platform that provides occupational, contractual, endowment, and private pension products, along with life insurance. It enables individuals, businesses, and partner distributors to manage retirement savings and investment portfolios through a unified digital interface. The platform consolidates pension tracking, offers a curated fund marketplace (Fondutbud/Fondlista), and supports ESG-aligned investment choices (Hållbarhet).

Product overview

Futur is a unified digital pension and savings platform offering services across three customer segments: Privat (individuals), Företag (companies), and Partner (advisors/distributors). The core platform is supplemented by fund-related modules including Fondutbud (fund offerings) and Fondlista (fund list), along with Hållbarhet (sustainability/ESG features) for sustainable investment options. Together, these products provide a comprehensive end-to-end solution for managing retirement savings and investments in the Swedish market.

Differentiator

Problem solved

Functional benefit

Products and services

• Privat (Private Pension)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Avanza: Avanza is Sweden's largest digital savings platform, offering pensions, funds, and brokerage to retail and corporate customers. It is the closest direct competitor to Futur's Privat and Företag channels, competing for the same Swedish digital-first pension customer.
• Nordnet: Nordnet is a major Nordic online broker and savings platform with deep pension and fund offerings for Swedish consumers and corporates. It competes head-to-head with Futur in digital pension distribution and fund marketplace depth.

Emerging players

• Lysa: Lysa is a Swedish digital wealth manager offering automated, low-fee fund portfolios and pension wrappers. It targets the same digital-native consumer that Futur's Privat channel serves, competing on UX and price rather than breadth.

Broad incumbents

• Skandia: Skandia is one of Sweden's largest mutual insurance and pension companies, offering a broad portfolio of life insurance, occupational pensions, and savings products. It is a broad incumbent competing with Futur in both consumer and corporate pension segments.
• SPP (Folksam): SPP, part of the Folksam group, is a major Swedish occupational pension and life insurance provider. It competes with Futur's Företag channel for corporate pension mandates and benefits administration.
• Alecta: Alecta is a major Swedish ITP occupational pension insurer managing tens of billions in AUM. It is a broad incumbent that competes with Futur for corporate pension mandates in the Swedish market.
• Nordea Life & Pensions: Nordea Life & Pensions is the insurance and pension arm of the largest Nordic bank, offering a full suite of pension and savings products. It is a broad incumbent that competes with Futur across both consumer and corporate channels.
• Länsförsäkringar: Länsförsäkringar is a major Swedish banking and insurance group with a significant pension and life insurance business. It is a broad incumbent competing in occupational pensions and individual savings.

Others

• Sampension: Sampension is a Danish labor-market pension provider and was a co-investor in Futur's 2018 funding round. The connection is partial — Sampension is both a comparable Nordic occupational pension operator and an existing shareholder/partner of Futur.

Regional players

• Pensionsmyndigheten: Pensionsmyndigheten is the Swedish state pensions agency that administers the national public pension system and is referenced directly on Futur's own website. It is a regional/state actor that sets the default context in which all private pension platforms like Futur compete for consumer share.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/FuturPension
• Facebookfacebook.com/FuturPension

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Futur