With Danica Balance, our experts invest your pension savings so that they fit your needs and your life situation. We will take into account when you plan to retire and how much risk you are willing to take. But it does not stop there. We also invest your savings with a focus on sustainability aspects.
We invest your savings in a wide range of assets (equities, bonds, properties, etc.) and ensure a continual balance between your investments and risk profile. It is up to you whether you want your risk to be gradually reduced, how to distribute your payouts and whether you want to invest with a higher degree of focus on promoting sustainability factors.
With Danica Balance, our experts invest your savings in a wide range of equities, bonds and alternative investments, such as properties and unlisted companies. The goal is to give you a competitive return in relation to your chosen risk profile.
A responsible investment solution
When you invest your pension savings in Danica Balance, it is our goal to secure the best return for you. Responsibility and considerations towards sustainability-related factors is a natural part of Danica Balance investments. This means that Danica Balance promotes environmental and social characteristics and ensures good corporate governance. In addition, a minimum of 10% of your pension savings will be placed in sustainable investments that contribute to an environmental or a social objective.
If you have a greater focus on sustainability, you can increase the proportion of sustainable investments by placing a larger portion of your pension savings in Danica Balance Responsible Choice.
Both investment options comply with Article 8 of the EU Sustainable Finance Disclosure Regulation. Learn more further down under the heading ‘Sustainability-related information.
Increase your support to sustainable development
If you want to focus even more on sustainability, you can invest a larger proportion of your pension savings in Danica Balance Responsible Choice. In Danica Balance Responsible Choice, a minimum of 75 percent of the investments are sustainable and make a targeted contribution towards the UN Sustainable Development Goals.
Danica Balance and Danica Balance Danica Responsible Choice are promoting environmental and/or social characteristics and ensure good governance practices. Both investment solutions comply with disclosure requirements set out in Article 8 of the EU’s Sustainable Finance Disclosure Regulation.
By clicking ‘read more’ down below, you will find detailed information and disclosures about the sustainability aspects of the investment solutions. On the same page, you have access to the policies, instructions, guidelines and reporting that are defining our approach to responsible investments.
Your Danica Balance options
Reduction of your investment risk
With Danica Balance, we automatically gradually reduce the risk related to your pension savings. At first, you have a larger proportion of equities and other higher-risk investments. As you get older, we gradually reduce this proportion by replacing equities with bonds and other lower-risk investments.
We invest your pension savings flexibly, however, meaning that we may choose to increase or reduce the level of risk in our investment, as we consider most advantageous. You can choose between three risk profiles – low, medium and high. Our recommendation is a medium risk profile, which is also the standard profile offered to new customers.
Fixed portfolio composition
As an alternative to a reduction of your investment risk, you can choose a fixed composition of your investments throughout your savings period. With this, the risk will not be adjusted according to your age. This risk profile is especially suitable if you are willing to accept higher or lower risk than would normally be recommended in relation to your age. If you have a company pension scheme, your employer may have decided to limit your number of options.
With Danica Balance, you can also add on a guarantee commencing 10 years before your retirement, for example. You should only add on the guarantee if you want to protect your payout during retirement. The guarantee ensures that you receive a minimum amount of pension benefits during the guarantee period, no matter how your investments are performing. During the guarantee period, we invest your pension savings according to a special investment strategy, in which we continuously adjust the proportion of equities as and when it is appropriate or required for us to meet the guarantee.
Choose how you want your pension savings to be paid out
When you set up a pension scheme, you also choose how you want your pension savings to be paid out when you retire. This can either be as a lump sum payout or as regular benefits. Your pension scheme will typically be set up as an annuity pension scheme, a life annuity or a retirement savings scheme.
When you receive pension benefits
Whether or not you have added on a guarantee, we will continue to invest your pension savings while you receive benefits. If you do not already have a guarantee, you can add one if you want to protect your payout during retirement, so that you always know your minimum amount of benefits.
Your pension scheme right in
With our Mobilpension app, you can check your pension savings – whenever and wherever it suits you. Download Mobilpension in the App Store or in Google Play.