Transparency is a commonly used term in the financial industry, but it is not always reflected in practice. At Strivo, rebating fund commissions is a concrete way of delivering transparency to clients.
The model is straightforward. When Strivo receives compensation from fund companies related to clients’ fund holdings, the full amount is returned to the clients. This compensation refers to the portion of the fund’s management fee that fund companies pay to distributors.
According to the Swedish Financial Supervisory Authority’s latest report, many private investors continue to place their savings with large banks despite higher fees than necessary. The report also highlights that many savers are not fully aware of the level of fees they pay, partly due to limited accessibility of information and partly due to complex pricing structures. While differences of a few tenths or percentage points may appear marginal, they can have a significant impact on long-term savings over time.
Returning value to clients
Rather than retaining these commissions, as many market participants do, Strivo has implemented a pricing model where fund commissions are refunded to clients. This approach clarifies both the cost of investing and the value returned, and ensures that capital remains with the investor. The model has been developed over time and is now an integral part of Strivo’s offering.
Total repayments made in recent years now exceed SEK 220 million returned to clients.
The third quarter of 2025 further reinforces this trend. During the quarter, Strivo refunded SEK 19.4 million, representing the highest quarterly payout to date. The record reflects a growing client base, increased total fund volumes, and a model that continues to scale as more clients are included.
Record figures underline continued growth
Regular reporting of these repayments provides transparency into how the model develops and the value delivered to clients. Both quarterly figures and cumulative totals contribute to a clear, long-term view of how the model performs in practice.
The record figures reported this quarter underline a stable direction forward, with continued business growth and sustained client engagement on the platform. They also illustrate how long-term initiatives are best evaluated through consistent results over time, rather than isolated outcomes.
Strivo continues to operate with the same focus that guided the introduction of this model, with the ambition of maintaining a transparent and understandable cost structure for clients. Long-term client relationships and recurring engagement remain key indicators that the company is moving in the right direction.
This article is a column written by Björn Johansson, Head of Securities at Strivo.
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