Investment types in PFA

The best investment is an investment that gives you peace of mind. Investment is always subject to risk because the market fluctuates, and therefore, it is about determining your own risk tolerance relative to the return that you may receive. At PFA, our team of specialists can invest for you, but you also have the option to choose yourself which funds your pension savings should be invested in.

Investing in market rate

Our goal is to grow your pension savings so that you can have the best possible life as a pensioner. We do this by investing your money to get the best return for you.

Market rate really became part of PFA’s product offering in 2009. Since then, our market rate customers have generally achieved handsome returns that are higher than the return in the average interest rate environment in which pension savings were traditionally invested up until that time. Going forward, we also expect the market rate return to be higher than the average interest rate return. On the other hand, you bear the investment risk in the market rate environment, both during the savings phase and after you have started receiving payouts.

We have three different ways in which you can invest in market rate. You can read more about it on this page or watch the video.

Listen to investment specialist, Carsten Trier, explain more about the different investment types

PFA Invests

PFA Invests is for those who want to leave as many investment decisions as possible to PFA and at the same time want their risk to be automatically reduced as they get older. You do not need to learn about equities, bonds, the real estate market, interest rates or alternative investments etc. All you need to do is decide what level of risk you are willing to take in relation to your expected return.

You can choose between three different investment profiles, all of which are invested in the market rate environment – we call them Profile Low, Medium and High. Once you have chosen a profile, our specialists will make sure that your money is managed in the best possible way, and your risk is automatically reduced towards your retirement date. You can choose what proportion should be invested with a particular focus on climate. Most of our customers choose to let PFA invest their savings.

Learn more

 

PFA Flexible

PFA Optional is for those who want PFA to invest on their behalf but want to specify the overall risk of the investments themselves and who do not want an automatic gradual reduction of risk. You do not need to learn about equities, bonds, the real estate market, interest rates or alternative investments etc. Our specialists manage your money in the best possible way, based on the risk you are willing to take in relation to your return expectations. You only need to select what proportion of your savings should be invested in our low risk or high risk funds. Our investment guide can help you make the choices that are right for you.

Here you can also choose what proportion should be invested with a particular focus on climate-friendly investments.

 

 

You Invest

You Invest is an investment platform for those of you who want to personally take responsibility for how your pension is invested. You can choose from a broad selection of different funds which, for example, invest in equities, bonds, real estate and commodities. We recommend that you have thorough knowledge of investments and have the time and energy to familiarise yourself with opportunities and risks that the different markets have to offer.
Learn more

Investing in the average interest rate environment

In the average interest environment, your pension savings accrue a stable deposit interest rate, and you are guaranteed a minimum payout when you retire. The risk is small, and correspondingly, your opportunity to achieve a high return is limited. It is PFA that sets the deposit interest rate, and you have no influence on the choice of investment. In other words, you do not have the option of adjusting the investment to match your age and risk profile. New customers will not be able to choose average interest rate.
Learn more