This material constitutes marketing communication and should not be regarded as independent financial advice or as an offer to enter into an agreement for any specific product or service. The information provided is of a general nature and does not contain all the information necessary to make a well-informed investment or insurance decision.

Any decision to invest or purchase insurance should always be based on the complete pre-contractual information, the applicable terms and conditions, and any other relevant documentation provided in connection with the advice or offer. In the case of discretionary portfolio management or investment advice, decisions should be based on the legal documentation provided by your advisor.

This material has been prepared by Säkra AB (company registration number 556534-9270), an insurance intermediary and an appointed representative of the investment firm Säkra Spar AB, both of which are supervised by the Swedish Financial Supervisory Authority (Finansinspektionen). Unless otherwise stated, all information contained herein, including assumptions, calculations, analyses, opinions, and recommendations, has been prepared by Säkra AB.

This material is based on sources and information believed to be reliable. However, no representation or warranty is made as to its accuracy, completeness, or timeliness. The information is subject to change without prior notice.

Any examples, forecasts, and scenarios presented are for illustrative purposes only and should not be interpreted as guarantees of future performance or outcomes. Investments in financial instruments, such as shares and mutual funds, involve risk. The value of investments may rise or fall, and there is no guarantee that the full amount invested will be recovered. Past performance is not a reliable indicator of future results.

Insurance products are subject to specific terms, conditions, and limitations. This material is intended as a summary only. Complete information is provided in the pre-contractual information and the full insurance terms and conditions, which shall always prevail in the event of any inconsistency.

This material may not be copied, distributed, or published, in whole or in part, without the prior written consent of Säkra AB.