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
Share in PFA Climate Plus/Years until retirement
|
15 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
0 |
0% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.3 |
5% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.3 |
10% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.3 |
15% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.3 |
1.3 |
1.3 |
1.2 |
20% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.3 |
1.3 |
1.3 |
1.2 |
25% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
30% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
35% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
40% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
45% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
50% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
55% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
60% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
65% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.2 |
1.2 |
1.2 |
70% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.8 |
1.6 |
1.6 |
1.5 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
1.2 |
75% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.7 |
1.6 |
1.6 |
1.5 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
1.2 |
80% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
1.2 |
85% |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.9 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
1.2 |
90% |
1.8 |
1.8 |
1.8 |
1.8 |
1.8 |
1.8 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
1.2 |
95% |
1.8 |
1.8 |
1.8 |
1.8 |
1.8 |
1.8 |
1.7 |
1.6 |
1.5 |
1.5 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
1.2 |
100% |
1.8 |
1.8 |
1.8 |
1.8 |
1.8 |
1.8 |
1.7 |
1.6 |
1.5 |
1.4 |
1.4 |
1.3 |
1.3 |
1.2 |
1.2 |
1.2 |
Profile B without Customer Capital
Share in PFA Climate Plus/Years until retirement |
15 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
0 |
0% |
3.3 |
3.3 |
3.3 |
3.1 |
2.9 |
2.7 |
2.5 |
2.4 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
5% |
3.3 |
3.3 |
3.3 |
3.0 |
2.8 |
2.7 |
2.5 |
2.4 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
10% |
3.3 |
3.3 |
3.3 |
3.0 |
2.8 |
2.7 |
2.5 |
2.3 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
15% |
3.3 |
3.3 |
3.3 |
3.0 |
2.8 |
2.6 |
2.5 |
2.3 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
20% |
3.3 |
3.3 |
3.3 |
3.0 |
2.8 |
2.6 |
2.5 |
2.3 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
25% |
3.3 |
3.3 |
3.3 |
3.0 |
2.8 |
2.6 |
2.5 |
2.3 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
30% |
3.3 |
3.3 |
3.3 |
3.0 |
2.8 |
2.6 |
2.5 |
2.3 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
35% |
3.3 |
3.3 |
3.3 |
3.0 |
2.8 |
2.6 |
2.5 |
2.3 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
40% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.5 |
2.3 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
45% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.5 |
2.3 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.7 |
50% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.2 |
2.1 |
1.9 |
1.8 |
1.8 |
1.7 |
1.7 |
1.6 |
55% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.2 |
2.0 |
1.9 |
1.8 |
1.8 |
1.7 |
1.6 |
1.6 |
60% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.2 |
2.0 |
1.9 |
1.8 |
1.8 |
1.7 |
1.6 |
1.6 |
65% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.2 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.6 |
1.6 |
70% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.6 |
1.6 |
75% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.6 |
1.6 |
80% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.6 |
1.6 |
85% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.7 |
1.6 |
1.6 |
90% |
3.2 |
3.2 |
3.2 |
3.0 |
2.8 |
2.6 |
2.4 |
2.3 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.6 |
1.6 |
1.6 |
95% |
3.2 |
3.2 |
3.2 |
3.0 |
2.7 |
2.6 |
2.4 |
2.3 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.6 |
1.6 |
1.6 |
100% |
3.2 |
3.2 |
3.2 |
2.9 |
2.7 |
2.6 |
2.4 |
2.2 |
2.1 |
2.0 |
1.9 |
1.8 |
1.7 |
1.6 |
1.6 |
1.6 |
Profile C without Customer Capital
Share in PFA Climate Plus/Years until retirement |
15 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
0 |
0% |
4.7 |
4.7 |
4.4 |
4.1 |
3.8 |
3.6 |
3.3 |
3.1 |
3.0 |
2.8 |
2.6 |
2.5 |
2.4 |
2.3 |
2.2 |
2.2 |
5% |
4.7 |
4.7 |
4.4 |
4.1 |
3.8 |
3.5 |
3.3 |
3.1 |
2.9 |
2.8 |
2.6 |
2.5 |
2.4 |
2.3 |
2.2 |
2.2 |
10% |
4.7 |
4.7 |
4.4 |
4.1 |
3.8 |
3.5 |
3.3 |
3.1 |
2.9 |
2.8 |
2.6 |
2.5 |
2.4 |
2.3 |
2.2 |
2.2 |
15% |
4.7 |
4.7 |
4.4 |
4.1 |
3.8 |
3.5 |
3.3 |
3.1 |
2.9 |
2.8 |
2.6 |
2.5 |
2.4 |
2.3 |
2.2 |
2.2 |
20% |
4.7 |
4.7 |
4.3 |
4.0 |
3.8 |
3.5 |
3.3 |
3.1 |
2.9 |
2.8 |
2.6 |
2.5 |
2.4 |
2.3 |
2.2 |
2.2 |
25% |
4.7 |
4.7 |
4.3 |
4.0 |
3.8 |
3.5 |
3.3 |
3.1 |
2.9 |
2.8 |
2.6 |
2.5 |
2.4 |
2.3 |
2.2 |
2.2 |
30% |
4.7 |
4.7 |
4.3 |
4.0 |
3.8 |
3.5 |
3.3 |
3.1 |
2.9 |
2.8 |
2.6 |
2.5 |
2.4 |
2.3 |
2.2 |
2.2 |
35% |
4.7 |
4.7 |
4.3 |
4.0 |
3.8 |
3.5 |
3.3 |
3.1 |
2.9 |
2.8 |
2.6 |
2.5 |
2.4 |
2.2 |
2.2 |
2.2 |
40% |
4.7 |
4.7 |
4.3 |
4.0 |
3.8 |
3.5 |
3.3 |
3.1 |
2.9 |
2.8 |
2.6 |
2.5 |
2.4 |
2.2 |
2.2 |
2.2 |
45% |
4.7 |
4.7 |
4.3 |
4.0 |
3.7 |
3.5 |
3.3 |
3.1 |
2.9 |
2.7 |
2.6 |
2.5 |
2.3 |
2.2 |
2.2 |
2.2 |
50% |
4.7 |
4.7 |
4.3 |
4.0 |
3.7 |
3.5 |
3.3 |
3.1 |
2.9 |
2.7 |
2.6 |
2.5 |
2.3 |
2.2 |
2.2 |
2.2 |
55% |
4.7 |
4.7 |
4.3 |
4.0 |
3.7 |
3.5 |
3.3 |
3.1 |
2.9 |
2.7 |
2.6 |
2.5 |
2.3 |
2.2 |
2.2 |
2.1 |
60% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.3 |
3.1 |
2.9 |
2.7 |
2.6 |
2.4 |
2.3 |
2.2 |
2.2 |
2.1 |
65% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.3 |
3.1 |
2.9 |
2.7 |
2.6 |
2.4 |
2.3 |
2.2 |
2.1 |
2.1 |
70% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.3 |
3.1 |
2.9 |
2.7 |
2.6 |
2.4 |
2.3 |
2.2 |
2.1 |
2.1 |
75% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.3 |
3.1 |
2.9 |
2.7 |
2.6 |
2.4 |
2.3 |
2.2 |
2.1 |
2.1 |
80% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.2 |
3.1 |
2.9 |
2.7 |
2.6 |
2.4 |
2.3 |
2.2 |
2.1 |
2.1 |
85% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.2 |
3.0 |
2.9 |
2.7 |
2.6 |
2.4 |
2.3 |
2.2 |
2.1 |
2.1 |
90% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.2 |
3.0 |
2.9 |
2.7 |
2.5 |
2.4 |
2.3 |
2.2 |
2.1 |
2.1 |
95% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.2 |
3.0 |
2.9 |
2.7 |
2.5 |
2.4 |
2.3 |
2.2 |
2.1 |
2.1 |
100% |
4.6 |
4.6 |
4.3 |
4.0 |
3.7 |
3.5 |
3.2 |
3.0 |
2.9 |
2.7 |
2.5 |
2.4 |
2.3 |
2.2 |
2.1 |
2.1 |
Profile D without Customer Capital
Share in PFA Climate Plus/Years until retirement |
15 |
14 |
13 |
12 |
11 |
10 |
9 |
8 |
7 |
6 |
5 |
4 |
3 |
2 |
1 |
0 |
0% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.1 |
3.8 |
3.6 |
3.4 |
3.2 |
3.1 |
2.9 |
2.8 |
2.7 |
2.7 |
5% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.1 |
3.8 |
3.6 |
3.4 |
3.2 |
3.1 |
2.9 |
2.8 |
2.7 |
2.7 |
10% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.1 |
3.8 |
3.6 |
3.4 |
3.2 |
3.1 |
2.9 |
2.8 |
2.7 |
2.7 |
15% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.1 |
3.8 |
3.6 |
3.4 |
3.2 |
3.1 |
2.9 |
2.8 |
2.7 |
2.7 |
20% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.1 |
3.8 |
3.6 |
3.4 |
3.2 |
3.1 |
2.9 |
2.8 |
2.7 |
2.7 |
25% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.1 |
2.9 |
2.8 |
2.7 |
2.7 |
30% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.1 |
2.9 |
2.8 |
2.7 |
2.7 |
35% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.0 |
2.9 |
2.8 |
2.7 |
2.7 |
40% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.0 |
2.9 |
2.8 |
2.7 |
2.7 |
45% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.0 |
2.9 |
2.8 |
2.7 |
2.7 |
50% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.0 |
2.9 |
2.7 |
2.7 |
2.7 |
55% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.0 |
2.9 |
2.7 |
2.7 |
2.7 |
60% |
5.9 |
5.7 |
5.3 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.0 |
2.9 |
2.7 |
2.7 |
2.7 |
65% |
5.9 |
5.6 |
5.2 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.0 |
2.9 |
2.7 |
2.7 |
2.7 |
70% |
5.9 |
5.6 |
5.2 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.6 |
3.4 |
3.2 |
3.0 |
2.9 |
2.7 |
2.7 |
2.7 |
75% |
5.9 |
5.6 |
5.2 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.5 |
3.3 |
3.2 |
3.0 |
2.9 |
2.7 |
2.7 |
2.7 |
80% |
5.9 |
5.6 |
5.2 |
4.9 |
4.6 |
4.3 |
4.0 |
3.8 |
3.5 |
3.3 |
3.2 |
3.0 |
2.9 |
2.7 |
2.7 |
2.7 |
85% |
5.9 |
5.6 |
5.2 |
4.9 |
4.5 |
4.3 |
4.0 |
3.8 |
3.5 |
3.3 |
3.2 |
3.0 |
2.8 |
2.7 |
2.7 |
2.6 |
90% |
5.9 |
5.6 |
5.2 |
4.9 |
4.5 |
4.3 |
4.0 |
3.7 |
3.5 |
3.3 |
3.2 |
3.0 |
2.8 |
2.7 |
2.6 |
2.6 |
95% |
5.9 |
5.6 |
5.2 |
4.9 |
4.5 |
4.2 |
4.0 |
3.7 |
3.5 |
3.3 |
3.2 |
3.0 |
2.8 |
2.7 |
2.6 |
2.6 |
100% |
5.9 |
5.6 |
5.2 |
4.9 |
4.5 |
4.2 |
4.0 |
3.7 |
3.5 |
3.3 |
3.1 |
3.0 |
2.8 |
2.7 |
2.6 |
2.6 |
Updated Jan. 1, 2021.
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 value deviates 0,1 at 17 to 15 years until retirement with 0-35% in PFA Climate Plus.
The risk value deviates 0,1-0,2 at 14 to 13 years until retirement with 0-100% in PFA Climate Plus.
The risk value deviates 0,1 at 12 years until retirement with 0% in PFA Climate Plus.
The risk value deviates 0,1 at 4 to 5 years after retirement with 0-45% in PFA Climate Plus.
●
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 high risk according to IPD.
The risk value deviates 0,1 at 25 to 21 years until retirement with 0-55% in PFA Climate Plus.
The risk value deviates 0,1-0,4 at 20 to 13 years until retirement with 0-100% in PFA Climate Plus.
The risk value deviates 0,1 at 12 years until retirement with 0-15% 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 0,1 at 3 years until retirement with 85-100% in PFA Climate Plus.
The risk value deviates 0,1 at 2 years until retirement with 50-100% in PFA Climate Plus.
The risk value deviates 0,1 at 1 year until retirement with 90-100% in PFA Climate Plus.
●
PFA Plus Profile A 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.