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Responsible investments

Responsibility plays a key role when we invest your pension savings, and it is fundamental to our ability to provide you with a financially secure retirement. We take into environmental, social and governance (ESG) factors into account to enable us to select the best possible investments and generate attractive returns. And we also we focus on ensuring that your investments also contribute to creating a more sustainable society.

Our foundation for responsible investments

All your investments at Danica Pension adhere to our Responsible Investments Policy. Among other things, this means that we take sustainability risks into account when we invest your pension savings, we exercise active ownership, and we refrain from investing in certain companies. Read our Responsible Investments Policy here.



We include sustainability risks in our investment analyses and investment decisions.



We are active owners who seek to support and influence companies to progress in a positive direction



We are transparent about our work with responsible investments



We contribute to developing the pension industry’s work with responsible investments.

Sustainability considerations are a natural part of your pension investments

How a company works with sustainability may have consequences for its business – and consequently for your return. Because of this, we focus on identifying what are known as sustainability risks in order to protect your pension investments. For example, a company’s ability to make money may be adversely affected if it does not adapt to a green economy or if it has poor employee conditions. The sustainability risks are taken into consideration when we select attractive investment opportunities.

Incorporating sustainability

We analyse how companies are working with sustainability issues, which enables us to select the best possible investments.

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Influencing companies

We are in dialogue with the executive management of companies, and we vote at their general meetings to influence their behaviour and push them in a more sustainable direction.

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Investment restrictions

We do not to invest in companies that act in ways that are detrimental to the climate, are involved with the tobacco or controversial weapons, or operate in violation of international norms and conventions.

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Danica Balance – an ESG pension product

When you invest with Danica Balance, we do more than take sustainability risks into consideration, which is why we call Danica Balance an ESG pension product. This name reflects the fact that that Danica Balance also promotes environmental and social characteristics and ensures good corporate governance practices (ESG) that specifically focus on supporting the green transition and the climate goals of the Paris Agreement. This can be achieved by investing in companies that have a low climate impact or in companies and projects that produce green technology or green energy. Danica Balance also promotes other ESG issues by investing, for example, in companies that focus on employee conditions, diversity or anti-corruption. We are also actively working to influence companies to become more sustainable and to refrain from investing in companies that do not respect human rights or that have a large and adverse climate impact.

Danica Balance complies with Article 8 of the EU regulation on sustainability‐related disclosures in the financial services sector.

 

Heightened ESG focus

When you invest with Danica Balance Sustainable Choice, there is an increased level of focus on the promotion of environmental and social characteristics and good management practices (ESG). You can choose the proportion of your pension savings that are specifically invested in companies and projects that make a more targeted and positive difference when it comes to solving the world’s challenges in areas such as climate, environment, food and health and which support the UN’s sustainable development goals. (SDGs) Such projects and companies include those that produce renewable energy, deliver green and health technologies, ensure clean drinking water, or reduce the consumption of resources. Also, the range of industries and sectors that Danica Balance Sustainable Choice does not invest in is wider than for Danica Balance, and Danica Balance Sustainable Choice does not invest in companies that carry out activities involving alcohol, fossil fuels and military equipment.

Danica Balance Sustainable Choice complies with Article 8 of the EU regulation on sustainability‐related disclosures in the financial services sector.

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Supporting the green transition

Our ambition is to invest DKK 100 billion in the green transition towards 2030. At the same time, we have an ambition to have only carbon-neutral investments by 2050. These goals support global climate objectives and serve to future-proof your pension savings.

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Sustainability documents

You can read more about our work with responsible investments
and get an insight into sustainability documents.

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Principal Adverse Impact Statements

We consider the principal adverse impacts that investment decisions in our pension products may have on sustainability factors. We address principal adverse impacts on sustainability factors according to their materiality and type, as well as the nature of our investment products.

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A lot can happen in a year. Does your pension scheme fit your current life situation?