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, you can 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.
Learn more about the various investment strategies here (In Danish only)
See key risk figures for Danica (In Danish only).
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 are placed in sustainable investments, which are investments that seek to contribute to one or more of the UN sustainable Development Goals. If you have a greater focus on sustainability, you can increase the proportion of sustainable investments by placing a larger proportion of your pension savings in Danica Balance Responsible Choice, where a minimum of 75% of the investments are sustainable.
Read more about sustainable focus
Both investment options comply with Article 8 of the EU Sustainable Finance Disclosure Regulation. Learn more further down under the heading ‘Sustainability-related information.
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.
In addition to the expenses shown in the price sheet, investments in the funds under Danica Balance are subject to expenses. These costs are deducted before the prices and thus the returns on balance funds are calculated. You can find information about the costs expressed in the annual percentage rate of the funds (APR) by clicking the name of the balance fund in the list of balance funds here (In Danish). The expected AOPs for the balance funds for 2024 are in the range of 0.42-1.24 percent.
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.
Learn more about the guarantee under Danica Balance (In Danish only)
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.">For an annuity pension or a life annuity, we will continue to invest your savings while your pension is paid out.
Learn more about payout options
Do you want your pension savings to have an extra focus on promoting sustainability? If so, you can choose to place a proportion or all of your pension savings in Danica Balance Responsible Choice.
Do you want to diversify the risk when you invest your cash funds? Then FlexOpsparing is an attractive option.
Are you the cautious type or are you looking for the highest possible return? Whether you want to invest yourself or prefer to leave the work to our experts, we have a solution that is right for you.
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