Fees
What you pay for
The financial industry has been creative when it comes to presenting (see: hiding) their fees. We want to be transparent and straight forward. The more you invest with Lysa, the lower the fee. The total fee for the average Lysa customer is approx. % per year.
Lysa's fee
At Lysa, we never accept kickbacks or compensation from anyone other than our customers. The annual fee to Lysa is the same regardless of how you choose to save and gets lower the more you save.
Fees for underlying holdings and transaction costs
Fund fees are paid to the underlying funds in which your money is invested. Transaction costs are the costs that arises when the funds are trading in underlying instruments. Since the cost of trading varies from year to year, transaction costs are stated as an estimated amount based on the previous year’s costs. As of , transaction costs includes both direct transaction costs (e.g. courtage and settlement fees) and indirect transcation costs (e.g. spread-costs). Read more here. All of these are included in your total fee and will vary depending on the composition of your portfol
Lysa
About this app
With a fund portfolio adapted to your specific needs, we want to make it easy for you to save right - and difficult to save wrong.
WITH LYSA YOU GET
- Smart savings based on research [1]
- A personal fund portfolio with an adapted risk level
- Carefully selected index funds with low fees
THIS IS HOW IT WORKS
With Lysa, your money gets the opportunity to grow without you having to think about it. All you have to do is answer a few questions about what you want to save for. We then take care of the rest and provide you with a broad and inexpensive fund portfolio adapted to you and your needs.
1. Get investment proposals
Start by answering a few questions about you, your finances and what you want to save for. Based on your answers, we develop an investment proposal for a fund portfolio with the right level of risk, adapted to your particular savings goal.
2. Open account
By accepting the investment proposal, a new ISK account is automatically opened with that fund portfolio. It is free to open an ISK account with Lysa - and you can have several different accounts for different types of savings goals.
3. Invest automatically
When you then save/d
About us
The financial industry has long lived well on being a little difficult, tricky and fancy.
Those who have been tasked with helping the customer make better decisions, have instead recommended expensive, often less good, products and received a great kick-back as a thank you. This has led to dissatisfied customers and eroded confidence in an old system. We think that’s good. Because trust has to be built on honesty and transparency, and sometimes the broken must be torn down in order for something better to be built up.
We are called Lysa, which is Swedish for illuminate.
We are here to do just that - light up an industry that has been in the shadows for far too long. We want to offer people a better way to save money, by investing in funds with low fees and wide spread of risk. Sounds exciting? No. And you are absolutely right. Setting up a savings plan and sticking to it without letting the emotions or daily headlines dictate, is neither exciting nor fun. But according to research, data and Nobel Prize-winning economists, it's one of the smartest things you can do.
We want to help more people make better financial decisions.
By eliminating conflicts of intere
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