Codev Wealth — Systematic portfolio management for Swedish households
One consolidated view across every ISK, KF, depå, IPS, tjänstepension and PPM account in the household — with fund look-through, daily risk and Swedish-tax-aware reporting.
How it works
- ①Connect your accounts. Upload a CSV from each broker (Avanza, Nordnet, SEB, SPP, Movestic, PPM). Direct sync is on the roadmap.
- ②We compute the see-through portfolio. Every fund is decomposed to its underlying stocks, bonds, regions and currencies.
- ③Daily refresh. Prices, FX, risk metrics, drift signals and Swedish tax estimates rebuild each evening.
- ④You see what to do. Ranked recommendations land in your dashboard and daily brief. You place every order yourself — we never execute.
Who this is for
For
- Swedish households with portfolios spread across Avanza, Nordnet and a pension platform or two.
- DIY investors who want decision support — not somebody else picking their stocks.
- Families consolidating multiple owners into a single household view.
- Retirees running a drawdown plan and stress-testing sequence-of-returns risk.
Not for
- Active day-traders — we refresh once daily, after the European close.
- People who want a manager to run their money. Use an AUM advisor instead.
- Pure index-and-forget investors with one account — you don't need this.
- Households below ~1 MSEK in financial assets — the subscription doesn't pay back yet.
The problem we solve
A typical Swedish household holds wealth across five or six platforms — Avanza and Nordnet for active trading, Movestic, SPP and SEB for tjänstepension, the PPM portal for the public pillar. No one platform shows the real picture. Funds hide their underlying holdings, currency exposure goes unmeasured, and Swedish-specific tax mechanics (schablonskatt, K4) are buried under generic reporting. Codev Wealth pulls the whole household into one ledger and does the math.
Portfolio look-through
Decompose every fund to its actual equity, bond, currency and regional exposure. See the real allocation, not the wrapper label.
Risk & VaR
Daily VaR, volatility, beta and drawdown across the whole household — with concentration alerts when a single ticker becomes load-bearing.
Swedish tax (K4 & schablonskatt)
Pre-fills K4 for depå sales, models schablonskatt for ISK/KF wrappers, and surfaces latent capital-gains tax before you rebalance.
Decumulation simulator
50-year projection against your real liabilities and pension stack, with sensitivity to inflation, returns and the sequence-of-returns risk.
Built for households, not advisors
Most wealth software is built for licensed advisors managing other people's money. Codev Wealth is the opposite: a self-serve tool for the household that already does its own research and just needs the multi-platform sprawl to add up. We charge a flat monthly fee, we don't take percentage-of-AUM, and we never see your brokerage credentials.
Not investment advice. Codev Wealth is decision support. It surfaces signals, drift, risk and tax — but every order you place is your decision, executed in your own broker.
About us
Founded 2026 in Stockholm. Built by a Swedish household for Swedish households. Contact us at hello@codev-wealth.example.