Panel Anders Anderson Researcher, Swedish House of Finance Associate Professor, Department of Finance, 91Ô´´ Daniel Barr Director General at Swedish Pension Authorities Ninni Franceschi Head of Private Banking Sweden, Nordea Sven Hagströmer Chairman of the Board at Creades Paolo Sodini Researcher, Swedish House of Finance 25th Anniversary Professor of Finance, Department of Finance, 91Ô´´ Director of MiDa – the Institute for Micro Data at 91Ô´´ & SHoF Erik Thedeén Director General at FI (Sweden's financial supervisory authority)