Matter and AP Pension launch new partnership on sustainable pension savings.

Your money should be invested in a world you want to retire in

Matter exists to give you a sustainable alternative to a normal pension plan. With a sustainable pension with Matter and Skandia, you avoid investments in fossil fuels, weapons and tobacco, while more money is invested in companies working towards a sustainable future. We all want to live in a more sustainable world. Investing your pension sustainably, in the end, is a no brainer.


What should our world be like?

A lot of people seem to believe that sustainable investments do not pay off, and we would like to change that mentality. Therefore, with Skandia we have created a pension product to resemble a classic pension plan as much as possible, at least when it comes to financial risk and return.
Although our prices our competitive, we are not the cheapest option on the market. However, that is because our offering sets us apart from the competition. We have been working hard to ensure that you should be able to invest sustainably without compromising on financial performance, risk, or costs. This makes it easier for you to convince your friends, colleagues and family to invest in a world, you all want to retire in.

We should all aim for a more sustainable tomorrow


How does Matter work?

With Matter and Skandia, you get more than an average pension saving. When you become a customer, you can track your savings through our digital platform, and see the impact of your savings. That is how we want to showcase the world, you are creating impact with your savings, and not only the financial return from your money.

We aim for transparency


Why does it matter to you?

Today, we have invested 4 to 5 times as much money in fossil fuels as we can afford to extract and combust if we are to avoid catastrophic climate changes and global temperature increases of more than 2 degrees Celsius on average. That is a simple paradox with unbelievable consequences. Luckily, you can help redress that balance. By choosing Matter and Skandia’s sustainable pension plans, you can vote with your feet and move your money out of the most harmful companies on the face of the earth.

We strike a better balance


Who is Matter?

Matter is made by people with backgrounds in the United Nations, asset management, consulting, IT-companies and in startups. We work hard to make investments sustainable and pensions interesting every day. We live and breathe the project because we believe it is time to take action, if we want to retire in a world in balance. We are excited at the prospect of having you as a customer, and if you have any questions, we'd love to chat them through with you. Alternatively, if you're ready to start your sustainable pension, you can get started here.

You are welcome to join us


If you are inspired by the idea behind Matter and you feel like a career with Matter might be right for you, you are always welcome to send us an application at

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