Corporate pension for small and large companies

Corporate pension for small and large companies

Corporate pension with PFA is for all companies – small and large

Corporate pension typically provides your company with a comprehensive solution, where one part focuses on long-term and risk-managed savings for retirement. The other part focuses on providing security for you and your employees through various insurance cover options.
You can tailor your plan to suit your company and the composition of your employees.
Each employee can individually adjust their voluntary payments and the level of coverage for the insurance. In this way, we can provide greater security for your employees.

 

Benefits of a corporate pension plan with PFA

With a corporate pension plan with PFA, you and your employees gain, among other things:

 

  • Long-term savings for retirement

  • Insurance for employees that provides support when the unexpected happens

  • Personal advisory services, providing access to individual adjustment of savings, insurance and investment choices access to investment solutions with numerous self-selection options
  • Access to investment solutions with numerous self-selection options

  • Access to an overview and self-service via our app

  • Special benefits for you and your employees throughout life such as access to housing, student housing for your children, senior housing and private insurance with Købstædernes Forsikring.

 

Contribute to the type of pension savings you prefer

When each employee makes payments to a corporate pension plan, they can choose between three different types of pension savings:

 

 

Old-age saving plans

Here, the funds are paid out either as a lump sum or in larger instalments, according to the individual’s preference.

 
 

Instalment pension plans

Here, the funds are paid out in fixed instalments over a specific number of years – such as 20 or 30 years. 

 

Life pension plans or life annuities

Here, a monthly amount is paid out from the pension savings for as long as you live. 

 

Read about the different savings types
Se mindre

Each type of pension savings has its advantages and disadvantages, which is why it is important to receive the right guidance. This ensures the best solution for each employee, not just for the pension savings itself, but also when considering the bigger picture, which may include income from other public benefits such as the state pension and early retirement.

The investment of your employees’ savings

Your employees’ pension savings can be invested in various ways within PFA’s investment universe. The savings are placed in market rate. This means that the value of your employees savings will fluctuate in line with the ongoing returns on the underlying investments. Return can either be positive or negative, and will have a direct impact on the savings. 

Employees can be advised by calling our advisory services centre or by booking a pension consultation. They also have the option to use PFA’s digital self-service platform, My PFA, where they can, among other things, complete an investment guide and get a recommendation on how their savings can be invested based on their risk profile and investment focus.

Investment options

 

icon

PFA Invests

PFA manages the investment of the pension savings, and the employees can choose their own investment profile. They can choose between Profile Low, Profile Medium or Profile High. The risk is automatically gradually reduced in the three profiles so that it becomes lower as the employees approach retirement age and after they have started receiving their pension payouts.

Read more about PFA Invests

icon

PFA Flexible

PFA manages the investment of the pension savings, but the employees choose their own allocation between the Low-risk and High-risk funds. In PFA Flexible, the risk is fixed and the employees must therefore decide for themselves whether they want to change their risk as they approach pension payout age. 

Read more about PFA Flexible

icon

You Invest

Employees themselves choose the funds in which all or part of their pension savings are to be invested. They must therefore themselves pay attention to risk and return possibilities, and whether the risk should be gradually reduced as they approach retirement age.

Read more about You Invest

Investment focus

Employers who choose to let PFA manage the investment of their savings have the option of choosing the investment focus with which all or part of their pension savings is to be invested.

 

Ikon for PFA Plus 

PFA Plus

Has a broad investment focus that encompasses PFA’s entire investment universe, including unlisted investments such as properties. The investments are regularly adjusted in line with the world situation and may be made in, for example, start-ups, security and the green transition.

Read more about PFA Plus

 
Icon for PFA Climate Plus 

PFA Climate Plus

Has an increased focus on climate to promote the green transition. Investments are broadly diversified with a focus on a low CO2 footprint, including in unlisted investments and forests. The investments are regularly adjusted in line with the world situation, and no investments are made in oil and gas companies or weapons manufacturers.

Read more about PFA Climate Plus

Ikon for PFA Index Plus 

PFA Index Plus

Has a focus on investing in an index-tracking manner and follows the development of selected fixed indices for listed shares and bonds.

Read more about PFA Index Plus

PFA CustomerCapital

As PFA customers, your employees become part of a strong customer community, where you can benefit from the profit generated by PFA Pension. This is done through PFA CustomerCapital, which is PFA Pension’s model for profit and risk sharing.

Each year in April, the return for the previous year is allocated to customers’ savings. In 2025, the interest rate on CustomerCapital was 10.0 per cent before pension yield tax. 

In future, the interest rate on CustomerCapital may change and may even become negative.

Read more about PFA CustomerCapital

Insurance cover for corporate pension plans

A corporate pension plan not only provides income for your employees when they retire. It also includes various insurance plans that can provide the employees with coverage if they become seriously ill and are unable to work.

Occupational Capacity Insurance

PFA Occupational Capacity - regular payouts, provides monthly payouts, which typically will be a percentage of the employee’s current salary. Also, in most cases, PFA will take on the payments to the employee’s pension plan, meaning that both savings and most of the insurance cover will continue unchanged while the employee’s occupational capacity is reduced.
Read more about Occupational Capacity Insurance

Health Insurance

PFA Health Insurance provides quick access to examination and treatment at hospitals, clinics and by specialists. PFA Health Insurance is not just for the employees themselves. It is also possible for each employee’s children and partner to be covered.
Learn more about PFA Health Insurance 

Critical illnesses

PFA Critical Illness is an insurance plan that provides access to a payout in the event of certain critical illnesses. How the individual employee spends the money is up to them – they can, for instance, spend it on extra personal care, extra treatment, a recuperation stay or alterations to their home.
Read more about PFA Critical Illness

Receive prompt treatment with PFA EarlyCare

Stress as well as other serious illnesses can have severe consequences if the problems are not treated. With PFA Earlycare, employees can quickly access treatment. The employees will be assigned a Health Guide who helps tailor a programme specifically for them.
Learn more about how PFA EarlyCare can help 

Life insurance

PFA Life is a life insurance plan that provides financial security for an employee’s dependants in the event of death before retirement. Generally, PFA recommends that the payout level from PFA Life should be sufficient to enable the employee’s family to maintain their standard of living for up to four years after the death.
Read more about PFA Life

 

My PFA provides an overview of your pension plan

At My PFA, you and your employees can get an overview of your pension plans. Here, you will not only find updates on returns, interest on CustomerCapital and an overview of insurance cover – but also some simple and user-friendly tools that show you how to make the most of your pension.

Log in to My PFA

Options for liberal professions and self-employed persons

PFA has developed special competences within law, accountancy and consultancy firms (liberal professions), which often involve unique ownership and tax conditions – for example, within the business taxation scheme.

This type of business can also benefit from special insurance plans, which does not cover general occupational capacity but instead provides profession-specific coverage.

Self-employed persons can also access special insurance plans that considers the potential for income to vary from year to year.

A large community has many advantages

As a PFA customer, you and your employees can enjoy a range of benefits – some provide value here and now, while others can be passed on to your families. For example, you have access to rental housing, student housing for your children and grandchildren, will service and much more.

 Read about all the benefits

Learn more about corporate pension

Call our Business Centre to learn more about how we can assist your company.
We look forward to speaking with you.

Call us at (+45) 70 80 90 30