In the investment profiles in PFA Plus, the risk is gradually reduced as retirement approaches. This is illustrated in the figure and table, which show the risk value of the four profiles depending on the number of years until retirement. In terms of risk, CustomerCapital is placed with 5 % in Global Equity. Read more about CustomerCapital and see your exact share of CustomerCapital at My PFA.

 

Updated Jan. 1, 2022.

Risk values between 5.0 and 5.9 represent the highest risk. Here, your savings may fluctuate significantly from one year to the next.

Risk values between 1.0 and 1.9 represent the lowest risk. Here, fluctuations will generally be less pronounced.

Once you have found the risk value, you can see here how much the savings may fluctuate throughout a year (link to Insurance & Pension Denmark's website, in Danish only).

Please find the method description at Insurance & Pension Denmark's website (in Danish only)

Profile risk classification

Based on Insurance & Pension Denmark’s risk bands, the profiles are risk classified with these classifications:
Profile A: Low risk
Profile B: Low risk
Profile C: Medium risk
Profile D: High risk

Deviations from Insurance & Pension Denmark’s (IPD) risk classification 

PFA’s profiles deviate from their risk classification at the following times:

● PFA Plus Profile B: The risk value is 0.1-0.2 above IPD’s risk classification for low risk at: 2 to 5 years, where it is classified as medium risk according to IPD.

● PFA Plus Profile D: The risk value is 0.1-0.2 under IPD’s risk classification for medium risk at: 7 to 1 years until retirement, where it is classified as medium risk according to IPD.

● PFA Plus Profile A and Profile C with CustomerCapital are not deviating from their risk classification.

Short-term and long-term risk

Pension savings entail two types of risk. The short-term risk illustrates how much the value of your savings may fluctuate during the next year. And the long-term risk illustrates the level of uncertainty related to your future payouts when you retire.

The risk value is only an expression of the short-term risk – i.e. how much the value of your savings may fluctuate during the next year.

The risk depends on your age

When the risk is high, the return expectations are also high. Therefore, most pension plans entail a high risk while the customer is young. While the customer is young, there is time to regain any losses sustained during years with negative developments on the financial markets.

When the customer gets older, there is less time to regain any losses sustained. Thus, most pension plans gradually reduce the risk as the customer gets older.

In the investment profiles in PFA Plus, the risk is gradually reduced as retirement approaches. This is illustrated in the figure and table, which shows the risk value of the four profiles depending on years until retirement.

 

Updated Jan. 1, 2022.

Risk values between 5.0 and 5.9 represent the highest risk. Here, your savings may fluctuate significantly from one year to the next.

Risk values between 1.0 and 1.9 represent the lowest risk. Here, fluctuations will generally be less pronounced.

Once you have found the risk value, you can see here how much the savings may fluctuate throughout a year (link to Insurance & Pension Denmark's website, in Danish only).

Please find the method description at Insurance & Pension Denmark's website (in Danish only)

Profile risk classification

Based on Insurance & Pension Denmark's risk bands, the profiles are risk classified with these classifications:
Profile A: Low risk
Profile B: Low risk
Profile C: Medium risk
Profile D: High risk 

Deviations from Insurance & Pension Denmark’s (IPD) risk classification 

PFA’s profiles deviate from their risk classification at the following times:

● PFA Plus Profile D: The risk values are 0.1-0.3 under IPD’s risk classification for high risk at: 9 years until retirement to 1 years after retirement, where it is classified as medium risk according to IPD.

● PFA Plus Profile A, B and C without CustomerCapital is not deviating from the risk classification.

Short-term and long-term risk

Pension savings entail two types of risk. The short-term risk illustrates how much the value of your savings may fluctuate during the next year. And the long-term risk illustrates the level of uncertainty related to your future payouts when you retire.

The risk value is only an expression of the short-term risk – i.e. how much the value of your savings may fluctuate during the next year.

The risk depends on your age

When the risk is high, the return expectations are also high. Therefore, most pension plans entail a high risk while the customer is young. While the customer is young, there is time to regain any losses sustained during years with negative developments on the financial markets.

When the customer gets older, there is less time to regain any losses sustained. Thus, most pension plans gradually reduce the risk as the customer gets older.

In the investment profiles in PFA Climate Plus, the risk is gradually reduced as retirement approaches. This is illustrated in the figure and table, which show the risk value of the four profiles depending on the number of years until retirement. In terms of risk, CustomerCapital is placed with 5 % in Global Equity. Read more about CustomerCapital and see your exact share of CustomerCapital at My PFA.

Updated Jan. 1, 2022.

Risk values between 5.0 and 5.9 represent the highest risk. Here, your savings may fluctuate significantly from one year to the next.

Risk values between 1.0 and 1.9 represent the lowest risk. Here, fluctuations will generally be less pronounced.

Once you have found the risk value, you can see here how much the savings may fluctuate throughout a year (link to Insurance & Pension Denmark's website, in Danish only).

Please find the method description at Insurance & Pension Denmark's website (in Danish only)

Profile risk classification

Based on Insurance & Pension Denmark’s risk bands, the profiles are risk classified with these classifications:
Profile A: Low risk
Profile B: Low risk
Profile C: Medium risk
Profile D: High risk

Deviations from Insurance & Pension Denmark’s (IPD) risk classification

PFA’s profiles deviate from their risk classification at the following times:

● PFA Climate Plus Profile B: The risk value is 0.1 above IPD’s risk classification for low risk at: 4 to 5 years, where it is classified as medium risk according to IPD.

● PFA Climate Plus Profile D: The risk values are 0.1-0.3 under IPD’s risk classification for high risk at: 7 to 0 year until retirement, where it is classified as medium risk according to IPD.

● PFA Climate Plus Profile A and C with CustomerCapital are not deviating from the risk classification.

Short-term and long-term risk

Pension savings entail two types of risk. The short-term risk illustrates how much the value of your savings may fluctuate during the next year. And the long-term risk illustrates the level of uncertainty related to your future payouts when you retire.

The risk value is only an expression of the short-term risk – i.e. how much the value of your savings may fluctuate during the next year.

The risk depends on your age

When the risk is high, the return expectations are also high. Therefore, most pension plans entail a high risk while the customer is young. While the customer is young, there is time to regain any losses sustained during years with negative developments on the financial markets.

When the customer gets older, there is less time to regain any losses sustained. Thus, most pension plans gradually reduce the risk as the customer gets older.

In the investment profiles in Climate PFA Plus, the risk is gradually reduced as retirement approaches. This is illustrated in the figure and table, which shows the risk value of the four profiles depending on years until retirement.

 

Updated Jan. 1, 2022.

Risk values between 5.0 and 5.9 represent the highest risk. Here, your savings may fluctuate significantly from one year to the next.

Risk values between 1.0 and 1.9 represent the lowest risk. Here, fluctuations will generally be less pronounced.

Once you have found the risk value, you can see here how much the savings may fluctuate throughout a year (link to Insurance & Pension Denmark's website, in Danish only).

Please find the method description at Insurance & Pension Denmark's website (in Danish only)

Profile risk classification

Based on Insurance & Pension Denmark's risk bands, the profiles are risk classified with these classifications:
Profile A: Low risk
Profile B: Low risk
Profile C: Medium risk
Profile D: High risk 

Deviations from Insurance & Pension Denmark’s (IPD) risk classification

PFA’s profiles deviate from their risk classification at the following times:

● PFA Climate Plus Profile C: The risk value is 0.1 under IPD’s risk classification for medium risk at: 3 to 2 years until retirement, where it is classified as low risk according to IPD.

● PFA Climate Plus Profile D: The risk values are 0.1-0.4 below IPD’s risk classification for high risk at: 9 years until retirement to 1 years after retirement, where it is classified as medium risk according to IPD.

● PFA Climate Plus Profile A and B without CustomerCapital are not deviating from the risk classification.

Short-term and long-term risk

Pension savings entail two types of risk. The short-term risk illustrates how much the value of your savings may fluctuate during the next year. And the long-term risk illustrates the level of uncertainty related to your future payouts when you retire.

The risk value is only an expression of the short-term risk – i.e. how much the value of your savings may fluctuate during the next year.

The risk depends on your age

When the risk is high, the return expectations are also high. Therefore, most pension plans entail a high risk while the customer is young. While the customer is young, there is time to regain any losses sustained during years with negative developments on the financial markets.

When the customer gets older, there is less time to regain any losses sustained. Thus, most pension plans gradually reduce the risk as the customer gets older.

The tables below show risk values for combinations of PFA Plus and PFA Climate Plus. The figures are calculated at 5% intervals from 0% to 100% in PFA Klima Plus.

Profile A with Customer Capital

Profile B with Customer Capital

Profile C with Customer Capital

Profile D with Customer Capital

Updated Jan. 1, 2022.

Risk values between 5.0 and 5.9 represent the highest risk. Here, your savings may fluctuate significantly from one year to the next.

Risk values between 1.0 and 1.9 represent the lowest risk. Here, fluctuations will generally be less pronounced.

Once you have found the risk value, you can see here how much the savings may fluctuate throughout a year (link to Insurance & Pension Denmark's website, in Danish only).

Please find the method description at Insurance & Pension Denmark's website (in Danish only)

Profile risk classification

Based on Insurance & Pension Denmark's risk bands, the profiles are risk classified with these classifications:
Profile A: Low risk
Profile B: Low risk
Profile C: Medium risk
Profile D: High risk 

Deviations from Insurance & Pension Denmark’s (IPD) risk classification 

PFA’s profiles deviate from their risk classification at the following times:

● Profile B deviates from IPD’s risk classification for low risk at the following times and for the following shares in PFA Climate Plus. In the event of the deviations, it is classified as medium risk according to IPD.

The risk values deviate at 2 to 3 years until retirement with 0-50% in PFA Climate Plus.
The risk values deviate at 4 to 5 years until retirement with 0-100% in PFA Climate Plus.

● Profile D deviates from IPD’s risk classification for high risk at the following times and for the following shares in PFA Climate Plus. In the event of the deviations, it is classified as medium risk according to IPD.

The risk values deviate 7 to 1 years until retirement with 0-100% in PFA Climate Plus.
The risk values deviate at 1 year after retirement with 55-100% in PFA Climate Plus.

● PFA Plus Profile A and C with CustomerCapital are not deviating from the risk classification.

Short-term and long-term risk

Pension savings entail two types of risk. The short-term risk illustrates how much the value of your savings may fluctuate during the next year. And the long-term risk illustrates the level of uncertainty related to your future payouts when you retire.

The risk value is only an expression of the short-term risk – i.e. how much the value of your savings may fluctuate during the next year.

The risk depends on your age

When the risk is high, the return expectations are also high. Therefore, most pension plans entail a high risk while the customer is young. While the customer is young, there is time to regain any losses sustained during years with negative developments on the financial markets.

When the customer gets older, there is less time to regain any losses sustained. Thus, most pension plans gradually reduce the risk as the customer gets older.

The tables below show risk values for combinations of PFA Plus and PFA Climate Plus. The figures are calculated at 5% intervals from 0% to 100% in PFA Klima Plus.

Profile A without Customer Capital

Profile B without Customer Capital

Profile C without Customer Capital

Profile D without Customer Capital

Updated Jan. 1, 2022.

Risk values between 5.0 and 5.9 represent the highest risk. Here, your savings may fluctuate significantly from one year to the next.

Risk values between 1.0 and 1.9 represent the lowest risk. Here, fluctuations will generally be less pronounced.

Once you have found the risk value, you can see here how much the savings may fluctuate throughout a year (link to Insurance & Pension Denmark's website, in Danish only).

Please find the method description at Insurance & Pension Denmark's website (in Danish only)

Profile risk classification

Based on Insurance & Pension Denmark's risk bands, the profiles are risk classified with these classifications:
Profile A: Low risk
Profile B: Low risk
Profile C: Medium risk
Profile D: High risk 

Deviations from Insurance & Pension Denmark’s (IPD) risk classification

PFA’s profiles deviate from their risk classification at the following times:

● Profile C deviates from IPD’s risk classification for medium risk at the following times and for the following shares in PFA Climate Plus. In the event of the deviations, it is classified as low risk according to IPD.

The risk value deviates 3 to 2 years until retirement with 55-100% in PFA Climate Plus.

● Profile D deviates from IPD’s risk classification for high risk at the following times and for the following shares in PFA Climate Plus. In the event of the deviations, it is classified as medium risk according to IPD.

The risk value deviates at 9 years until retirement to 1 years after retirement with 0-100% in PFA Climate Plus.

● PFA Plus Profile A and B without CustomerCapital are not deviating from the risk classification.
 

Short-term and long-term risk

Pension savings entail two types of risk. The short-term risk illustrates how much the value of your savings may fluctuate during the next year. And the long-term risk illustrates the level of uncertainty related to your future payouts when you retire.

The risk value is only an expression of the short-term risk – i.e. how much the value of your savings may fluctuate during the next year.

The risk depends on your age

When the risk is high, the return expectations are also high. Therefore, most pension plans entail a high risk while the customer is young. While the customer is young, there is time to regain any losses sustained during years with negative developments on the financial markets.

When the customer gets older, there is less time to regain any losses sustained. Thus, most pension plans gradually reduce the risk as the customer gets older.

Here, you can see the risk value of PFA Optional depending on the distribution you have selected between the high- and low-risk fund. CustomerCapital is placed with 5 % in Global Equity. Read more about CustomerCapital and see your exact share of CustomerCapital at My PFA.

Risk values between 5.0 and 5.9 represent the highest risk. Here, your savings may fluctuate significantly from one year to the next.

Risk values between 1.0 and 1.9 represent the lowest risk. Here, fluctuations will generally be less pronounced.

Once you have found the risk value, you can see here (in Danish only) how much the savings may fluctuate throughout a year.

Please find the method description at Insurance & Pension Denmark’s website (in Danish only)

Short-term and long-term risk

Pension savings entail two types of risk. The short-term risk illustrates how much the value of your savings may fluctuate during the next year. And the long-term risk illustrates the level of uncertainty related to your future payouts when you retire.

The risk value is only an expression of the short-term risk – i.e. how much the value of your savings may fluctuate during the next year.

The risk depends on your age

When the risk is high, the return expectations are also high. Therefore, most pension plans entail a high risk while the customer is young. While the customer is young, there is time to regain any losses sustained during years with negative developments on the financial markets.

When the customer gets older, there is less time to regain any losses sustained. Thus, most pension plans gradually reduce the risk as the customer gets older.

Here, you can see the risk value of PFA Optional depending on the distribution you have selected between the high- and low-risk fund.

Risk values between 5.0 and 5.9 represent the highest risk. Here, your savings may fluctuate significantly from one year to the next.

Risk values between 1.0 and 1.9 represent the lowest risk. Here, fluctuations will generally be less pronounced.

Once you have found the risk value, you can see here (in Danish only) how much the savings may fluctuate throughout a year.

Please find the method description at Insurance & Pension Denmark’s website (in Danish only)

Short-term and long-term risk

Pension savings entail two types of risk. The short-term risk illustrates how much the value of your savings may fluctuate during the next year. And the long-term risk illustrates the level of uncertainty related to your future payouts when you retire.

The risk value is only an expression of the short-term risk – i.e. how much the value of your savings may fluctuate during the next year.

The risk depends on your age

When the risk is high, the return expectations are also high. Therefore, most pension plans entail a high risk while the customer is young. While the customer is young, there is time to regain any losses sustained during years with negative developments on the financial markets.

When the customer gets older, there is less time to regain any losses sustained. Thus, most pension plans gradually reduce the risk as the customer gets older.