First of all, Advinans is under the supervision of the Swedish Financial Supervisory Authority and we are a company with long-term financing from leading Swedish investors – it should never progress so far that Advinans is declared bankrupt. Should a bankruptcy nevertheless occur, your funds will be safe since:

  • Advinans will always keep your money and securities separate from our own assets
  • Your money is either invested with the respective investment fund companies or they are held in a client account with Danske Bank (very limited funds linked to the process for deposits and withdrawals). 
  • In the event of a bankruptcy, Advinans will simply sell your investment fund holdings and distribute your assets to you. Advinans’ liquidity policy ensures that the Company has funds to finance an organised settlement.


Your capital is invested in investment funds with well-established investment fund companies
When your capital is invested, it is held in the name of Advinans with the respective investment fund companies. In turn, Advinans has a list of each customer's fund units. If a bankruptcy should occur, Advinans will sell all units and pay the proceeds to the respective customers. When managing fund unit registers there is an administrative risk that may be linked to the bankruptcy risk. This risk is insured via the so-called investor protection – see more below.  Advinans ensures that the administrative risk is minimal by consistently maintaining the highest level of IT security. Advinans’ fund unit register is in a database with a leading provider and continuous backups are made to two geographically separate data centres. 
Funds that for short periods of time are not invested are in client accounts that are protected by a deposit guarantee.

In connection with deposits and withdrawals, your assets must for short periods be liquid funds while investment funds are bought or sold. They are then held in a client account with Danske Bank, one of the largest banks in the Nordic region. The assets are thus separate from Advinans and will, in the event that Advinans would be declared bankrupt, be paid to our customers. 
On the topic of bankruptcy risk, there is an (extremely small) risk that Danske Bank would go bankrupt. If this should happen when your funds are in liquid funds in a client account, they are protected by a deposit guarantee – see more details below.

Investor protection

If in the event of a bankruptcy, in spite of Advinans procedures, it is not possible to determine which assets are yours, you are entitled to compensation from investor protection. The maximum compensation given is SEK 250,000 per customer and institution. The protection does not apply to changes in value of shares and other securities. Investor protection is regulated in the Investor Protection Act (1999:158). Investor protection means that the government will protect customers’ securities in connection with transactions or when they are held with banks or securities companies. The right to compensation also applies to funds which the institution has received from customers with accountability, i.e. such funds that must not be confused with the institution’s own assets. More information about investor protection can be found on the Swedish National Debt Office's website,


Deposit guarantee and protection of clients’ assets

Advinans’ client account is currently with Danske Bank A/S, Denmark, Sweden Branch. If Advinans should be declared bankrupt while your money is in the client account, your money is protected under the Danish deposit guarantee referred to as the Guarantee Fund. It provides protection for an amount equivalent to EUR 100,000 per customer. 

A client account is an account where money is deposited on behalf of several customers in the same account. For client accounts, the general rule is that the underlying owners of the money, i.e. every customer of Advinans, can each receive compensation from the deposit guarantee up to the maximum amount. For more information about the Guarantee Fund, you can read more on the Guarantee Fund's website,