Skip to main content

Use your pension scheme to take better care of the planet

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. By doing so, your pension investments will focus even more on companies that aim to help solve global challenges in areas such as climate, the environment, food security, social conditions and health.

As a minimum, 75% of your investments in Danica Balance Responsible Choice will be sustainable investments. If you want to invest your pension savings with special focus on sustainability, you can invest part or all of your savings in Danica Balance Responsible Choice, which has been designed specifically for people who want to invest their savings in a way that is even more focused on a sustainable future -  And your investments will continue to provide the prospect of achieving an attractive return.

Also, when you choose Danica Balance Responsible Choice your pension savings will not be invested fossil fuels, military equipment and a number of other sectors. We seek to ensure that the companies your pension savings are invested in do not have a significant negative impact on society and that they meet international standards for human and labour rights and standards for good corporate governance.

It is entirely up to you what percentage of your pension savings you want to invest in Danica Balance Responsible Choice. 0 %, 47 % or 100 %? You adjust the percentage by moving the slider up or down in Netpension. If you want your savings to be placed in at least 75% sustainable investments, all of your pension savings must be invested in Danica Balance Responsible Choice.

Read more about the investments here

Choose your own balance

It is entirely up to you what percentage of your
pension savings you want to invest in Danica Balance Responsible Choice.

0 %, 47 % or 100 %? You adjust the percentage by moving the slider up or down in Netpension.


 Log on and choose

Increase your focus on sustainability with
Danica Balance Responsible Choice
 

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. By doing so, your pension investments will focus even more on companies that aim to help solve global challenges in areas such as climate, the environment, food security, social conditions and health. And your investments will continue to provide the prospect of achieving an attractive return.

As a minimum, 75% of your investments in Danica Balance Responsible Choice will be sustainable investments. Sustainable investments are investments that – according to our own assessment – seek to contribute to one or more of the UN Sustainable Development Goals. This means that we evaluate both what the company produces and how it produces its products. In practice, each investment’s contribution to the UN Sustainable Development Goals is different.

Also, when you choose Danica Balance Responsible Choice your pension savings will not be invested fossil fuels, military equipment and a number of other sectors. We seek to ensure that the companies your pension savings are invested in do not have a significant negative impact on society and that they meet international standards for human and labour rights and standards for good corporate governance.

What are the UN Sustainable Development Goals?

In short, they are a plan and ambition to make the world more sustainable by 2030. 
There are 17 goals, including:

  • Climate Action and Clean Water
  • Zero Hunger and Good Health and Well-being
  • Gender Equality and Quality Education.

Learn more about the Goals here

Please note


If you want your savings to be placed in at least 75% sustainable investments, all of your pension savings must be invested in Danica Balance Responsible Choice.

For more information about the investments, please read the section ‘How does it work?’ below.


Example of investments:

Companies and projects that produce renewable energy or provide solutions to reduce water wastage, create more clean drinking water or promote sustainable food production.

Companies that seek to increase the reuse and recycling of materials, promote biodiversity, contribute to improved healthcare or reduce the climate footprint of the production of goods.

A combination of companies which together account for lower carbon emissions than the market in general and which are working to reduce carbon emissions in accordance with the climate goals of the Paris Agreement.

Read more about the investments here

Sustainability-related disclosures

Danica Balance Responsible Choice is an investment method that promotes environmental and/or social conditions and ensures good governance. It complies with Article 8 of the EU Sustainable Finance Disclosure Regulation (SFDR). You can find additional information and reports on how it is implemented in practice.

You can read more about the objectives and indicators of the different sustainability aspects promoted by Danica Balance Responsible Choice. You can also learn more about how the investment method handles significant impacts on society's sustainability-related aspects that the investments may lead to. Alternatively, you can gain insights into how sustainability risks are integrated along with other risk aspects when selecting investments.

Read about our work with responsible investments

How does it work?

  • Danica Balance Responsible Choice promotes environmental and/or social characteristics and ensures good governance practices. This means that it complies with the disclosure requirements under Article 8 of the EU Sustainable Finance Disclosure Regulation.

    In the terms and conditions, you can for example read more about the overall sustainability focus of the investment method, how it promotes environmental and/or social characteristics, and how sustainability risks are taken into consideration alongside other relevant risks in the selection of the underlying investments. Please find the document here (in Danish only).

    In the document ‘Tillæg om bæredygtighedsforhold i Danica Balance’, which is a supplement to the investment method’s terms and conditions, you can find more details about the specific sustainability focus and metrics of the investment method. Among other things, this document details the proportion of sustainable investments, the criteria for exclusion of companies and how Danica Balance Responsible Choice focuses on selecting investments with sound sustainability practices. Please find the document here (in Danish only).

    In the document Website Disclosure – Danica Balance, you can find further information about how Danica Balance Responsible Choice promotes environmental and/or social characteristics and how this is continuously monitored and analysed. Please find the document here (in Danish only).

  • As Danica Balance Responsible Choice has a strong focus on sustainability and excludes many investments, you will not achieve the same diversification of investments and risk as under your general Danica Balance scheme. Accordingly, the expected return under Danica Balance Responsible Choice will be slightly lower compared to the same investment risk under the general Danica Balance scheme. In practice, however, the return may sometimes be higher, the same or lower.

    See the return for Danica Balance here and Danica Balance Responsible Choice here.

  • The investments in Danica Balance Responsible Choice comprise different types pf investments such as shares and bonds, which you can read more about here.

    See the list of investments here.

  • Because Danica Balance Responsible Choice has an increased focus on sustainable investments and excludes a wider range of investments, it does not provide you with the same investment diversification and risk spread as Danica Balance. This means that the expected return with Danica Balance Responsible Choice will be slightly lower than with Danica Balance for the same risk level and investment strategy. In practice, however, returns may be higher, equal or lower for certain periods of time.

    View the return for Danica Balance here (in Danish only) and for Danica Balance Responsible Choice here (in Danish only).

  • It is up to you what percentage of your savings you want to move to Danica Balance Responsible Choice. You can log on to Netpension and make the change yourself. The percentage of your savings you move to Danica Balance Responsible Choice will be invested at the same level of risk as you have chosen for your general pension savings.

  • Through your investments, you help strengthen the companies you invest in. By investing in companies and projects working towards a stronger focus on ESG-factors, you help improve the companies’ working conditions, as investments help them financially and thus support their efforts to develop responsible solutions for the future.

  • When your Balance guarantee applies, you invest in Danica Pension Offensiv and/or Danica Pension Offensiv Responsible Choice as well as in one or more special bond funds with differing interest rate sensitivities. If you invest in Danica Balance, you can have investments in the following bond funds:

    • Danica Pension Korte Obligationer (short-term bonds)
    • Danica Pension Lange Obligationer (long-term bonds)
    • Danica Pension Ultralange Obligationer (ultra-long-term bonds)

    If you invest in Danica Balance Responsible Choice, you can have investments in the following bond funds:

    • Danica Pension Korte Obligationer Responsible Choice (short-term bonds)
    • Danica Pension Lange Obligationer (long-term bonds)
    • Danica Pension Ultralange Obligationer (ultra-long-term bonds)

    Danica Pension Korte Obligationer Responsible Choice invests exclusively in short-term sustainable bonds. The other three bond funds invest primarily in traditional government bonds and mortgage bonds. We do not have variants of Danica Pension Lange Obligationer and Danica Pension Ultralange Obligationer with sustainable bonds because the supply of sustainable bonds is currently insufficient to allow us to manage sustainable variants of these funds in an expedient manner. For this reason, we continue to invest in traditional bonds in Danica Balance Responsible Choice.

  • No more than 25% of the investments in Danica Balance Responsible Choice may be investments that we do not assess as sustainable. Although these investments may not meet our assessment criteria for being sustainable, we nevertheless ensure that they do not counteract the sustainability focus of Danica Balance Responsible Choice or constitute a significant negative impact on society and the environment. Such investments can include investment in companies in South America or Asia in order to ensure a sound spread of your investments and risk. The intention of such investments is to contribute to ensuring that you can receive attractive returns in relation to your choice of risk. Because complete information about these companies is lacking, we are unable to conclude with certainty that such investments make a sufficiently positive contribution towards the UN Sustainable Development Goals or live up to our own sustainability requirements.

  • No more than 25% of the investments in Danica Balance Responsible Choice are investments that we do not assess as being sustainable investments. However, we strive to ensure that those investments adhere to sound sustainability practices, do not counteract the ambition to promote sustainable progress or cause significant harm to the environment and society. These investments may include companies in South America or Asia, which we invest in to achieve reasonable diversification of your investments and risk. The purpose of these investments is to contribute to generating attractive returns relative to your chosen risk profile. Because complete information about these types of companies is lacking, we are unable to conclude with certainty that such investments make a sufficiently positive contribution towards the UN Sustainable Development Goals.

How to get a happier future

Investing your pension savings in Danica Balance Responsible Choice is both simple and easy.
All you need to do is select your existing Danica Balance pension scheme in Netpension under the tab 'How your savings are invested' and click 'Adjust investment strategy'.

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

Take a Pension Check
Show more rows: All table rows are already visible for screen readers.
Show less rows: All table rows are already visible for screen readers.