PFA Flexible

PFA Flexible

PFA Flexible is for you if you want PFA to invest your pension savings, but you wish to determine the investment risk for your savings yourself. You do not need to learn about shares, bonds, the real estate market, interest rates or alternative investments. 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.

Choose your own allocation between the funds

With PFA Flexible, you are free to choose an allocation between PFA’s low and high-risk funds. You can adjust your allocation up to three times per month at no cost. If you do not change you allocation yourself, it will remain fixed and there will be no automatic gradual reduction of risk as you age.

PFA ensures that the allocation between the high and low-risk funds is adjusted at least twice a year to ensure that your savings have the intended level of risk that you have chosen.

In PFA Flexible, you decide the allocation between the High and Low-risk funds:

Low-risk funds 

The Low-risk funds invest in low-risk assets. The funds mainly invest in bonds and similar investments. These include credit and government bonds, infrastructure, properties and forests. The Low-risk funds consist of PFA Plus Low-risk fund, PFA Climate Plus Low-risk fund and PFA Index Plus Low-risk fund. The PFA Index Plus Low-risk fund will be invested exclusively in listed bonds. 

High-risk funds

The High-risk funds invest in high-risk assets. The funds mainly invest in shares and similar investments. The risk level is comparable to a diversified global share portfolio, and the investments are therefore primarily oriented towards listed and private companies as well as high-risk infrastructure. The High-risk funds consist of PFA Plus High-risk fund, PFA Climate Plus High-risk fund and PFA Index Plus High-risk fund. The PFA Index Plus High-risk fund will be invested exclusively in listed shares.

 


 
See the return on PFA Flexible

What should be the focus of your investment?

Once you have chosen an investment profile, you must choose whether your pension savings should be invested with a broad investment focus that is regularly adjusted in line with the world situation, an increased focus on climate or a simpler solution with index-tracking investments.

 

Icon 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 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

Icon PFA Index Plus 

PFA Index Plus

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

Read more about PFA Index Plus

For example, the allocation could look like this: 

If you choose to have 80 per cent in the High risk funds and 20 per cent in the Low risk funds and would like to have 40 per cent of your savings in PFA Indeks Plus, 20 per cent in PFA Climate Plus and the rest in PFA Plus, your savings will be allocated as follows:

  • 32 per cent in PFA Plus High risk fund  
  • 8 per cent in PFA Plus Low risk fund  
  • 16 per cent in PFA Climate Plus High risk fund  
  • 4 per cent in PFA Climate Plus Low risk fund  
  • 32 per cent in PFA Indeks High risk fund  
  • 8 per cent in PFA Indeks Low risk fund
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Is PFA Flexible suitable for you?

When it comes to risk appetite, everyone has their own preferences. Your choice of risk affects your pension savings and with that your future pension payouts, and therefore the ratio between risk and return should be just right for you. The investment of your savings should therefore reflect your risk profile, your overall financial situation and what your total long-term savings look like.

You can quickly get an idea of whether PFA Flexible is right for you by answering a few simple questions about your return expectations and your risk appetite in the investment guide on My PFA. All you need to do is log on to My PFA – you can find the guide under Investments.

 

 
Try the investment guide on My PFA

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Risk labelling

Returns require risk, and here you can see the risk labelling of your pension savings.

Read about risk labelling

 

PFA Invests

PFA Invests is another investment option in PFA where your savings are invested in market rate products.       

Read about PFA Invests