For the coming years, we see great opportunities to continue growing by developing innovative and efficient services for savings and pensions together with our partners. In 2025, we will continue investing in digital self-service solutions and strengthen our position as the obvious choice for savings and pensions.  

We will also continue to develop our products and service model, and we look forward to more and closer collaborations during the year. 

Our goals for 2025 remain: to provide our customers with the best savings experience and to be the first choice for our partners.  

Thanks to strong net flows, a long-term growing stock market and cost control, Futur’s profits have increased every year for the past 10 years and the margin has doubled since 2020.  

The inflow of capital has grown strongly since 2020 driven by both new and old customers. This development is enabled by a competitive product offering, high-quality service and collaboration with over 50 partners.  

The stock market (OMXSPI) has grown just over 9% a year since 2020, despite extensive macroeconomic uncertainty following Russia’s invasion of Ukraine in February 2022, which led to rapidly rising inflation and real interest rates. Futur’s customers are mainly exposed to equities with a smaller share invested in fixed income.  

The number of employees has increased in recent years, which is mainly driven by investment in tech, where Futur has simultaneously shifted from consultants to employees. Strong cost control and a conscious decision to mainly develop products with platform fees has enabled operating expenses to grow much slower than assets under management.  

Futur’s business model is mainly driven by revenues on assets under management. Platform revenues make up more than half and are growing. A smaller part of our revenue comes from financial items (e.g., cash investments) and risk business (premium waiver, sickness- and life insurance). Our revenue split differs significantly from other players in the Swedish savings and pension market 

Our revenue model entails low financial risk as our customer carry the risk in the assets they have chosen to invest in. Our risk business is limited and mainly consists of sales via our banking partners where Futur also provides the advice. 

Cost-efficiency is crucial for our revenue model to generate long-term value. Our operating expenses mainly consist of sales costs for acquiring new customers. Administration costs for managing existing customers accounts for a smaller share and have declined over the past five years despite high growth in the number of customers and assets under management. 

Our organization reflects our priorities with more than three-quarters of employees working in sales, tech or service.