What's your plan?

A reliable pension plan ensures a comfortable retirement. This applies both when you are actually saving up - and when you have attained an age  where payout is approaching. No matter what, we have the tools to guide you to a good plan.

Get answers to all the questions

Use our checklist below to understand your pension plan at PFA. Depending on where you are in life and how long you have been making pension contributions, there are different things you need to be aware of. 

Do you have adequate insurance cover?

Your pension plan typically includes different types of insurance that cover you in case of illness or injury. Like other types of insurance, the cover provided by your insurance plans at PFA need to match your life. You can find assistance here.

Take the Insurance Guide

Have you got the right investment profile?

The money you pay into your pension will be invested so that your savings can grow over time. Investments are first and foremost about having a sense of security, and everyone’s risk tolerance varies. Therefore, you need to determine what makes you feel secure.

Find your risk profile

How much do you need to save for your retirement?

This is a hard question because your retirement may be many years away and it will depend on the sort of life you want to have as a pensioner. However, we can help you with a prognosis so that you can get a sense of what you will receive based on your payments. Generally, our recommendation is to start by paying in to your pension as early in life as possible.

Get a prognosis with the Pension Estimate

Do your savings match your dreams?

It is a good idea to check the status of your savings once in a while, so that you can make adjustments if necessary. Even if your retirement may be a far away, you are in the process of establishing long-term savings, so it is a good idea to check every few years and see how much you will have when you retire.

Get an overview with the Pension Estimate

Are you saving up in different ways?

For most people, the pension savings is the most important payout when they retire, but it is a good idea to save in different ways. For example, this could include cash in your bank account, your own investments or equity in your home. With a broader savings plan, you will have more options to optimise your payouts.

Do your insurance plans still match your life?

As life changes, you should also check your insurance plans. There is a big difference on how you should be covered if you get married or divorced, if you have kids or if you are alone. If you have excess insurance cover, you will have less money for your savings, and if your cover is not a good fit with your life, you will not get the most out of your insurance plans. You must be particularly attentive to your insurance plans if you have children.

Take the Insurance Guide


Will your pension economy turn out the way you want?

If you are over 55, then you should start taking stock of your overall assets so that you can adjust the pension payment and other savings if needed. This is also when you can start looking to see how your money will be paid out when you eventually stop working.

Asset overview

Your pension economy is not just about your pension savings, but about all your assets. You may have other savings, investments and equity in your home. This is all part of the overall calculation, and a good financial overview will make it easier for you to plan your life after work.

Payout plan

The order in which you use your assets once you retire matters. You can optimise your money so that it has a greater impact and lasts longer. The optimal order depends on an assessment of your needs, the potential return from your assets, tax matters and the relationship with public benefits.

Get answers to all the questions

Use our checklist below to learn what you need to be aware of in order to establish the best possible transition between your work life and retirement. There are some relevant matters to decide upon some time before retirement, and there are other questions to be considered when you are very close to retirement. Dream away - and if you have a partner, then take this opportunity to figure out your common dreams.
When do you plan to retire?

Some people are longing for the last workday, while others have a hard time letting go of their working life. Work does not need to stop just because your age says so. So consider how long you want to continue working.

Get inspiration for the last part of your working life

How will you live?

It is a good idea to consider if you want to remain in your current home or if you dream of moving elsewhere once your working life is over. How will you live in 5 or 10 years?  

Get inspiration for your future home

Can you afford to live your dreams?

With a good review of your financial situation, you can assess how much money you need when you retire. Is there coherence between your dreams and your current pension economy, or do you need to increase your savings during the last stretch?

How can you get your pension economy under control?

If you are not great with numbers, we are happy to help you get a handle on your financial situation. Bring your partner along to your consultation; that way, you can get an overview of what you have – and how far it will go when you need to live off your different savings.

Book a consultation

Who will inherit your money?

Regardless of your family situation, it is important to decide how your inheritance should be distributed when you pass away. Do it in good time, as it will give you peace of mind and can minimise doubts among family members.

Get an overview of who will inherit your assets

Do you have an overview of your overall pension economy?

Update your information at My PFA to get a full overview of your total assets with the Payout Plan.

Log on to My PFA

What is your budget like as a pensioner?

Make a budget so that you know how much you need every month. Remember that you may need to set aside money for gifts, heirs or large unexpected expenses.

Do you need help with your pension economy?

Get pension advice in good time before retiring. That way, you can make a plan for your payouts and determine how much you have available each month. You might be able to save money by using your funds in the right order, thus preventing unnecessary deductions in your public benefits or paying too much in tax.

Book a consultation

Who will inherit your money?

It is important to decide how your inheritance will be distributed when you pass away. If you have not already made a decision, it is a good idea to do so now. It will give you peace of mind and can minimise doubts among family members.

Get an overview of who will inherit your assets

How can you get a sense of security in your everyday life?

To get the best possible life as a senior citizen, we have a number of offers that focus on the transition between your working life to your life as a pensioner. These concern health, quality of life and the things that give you peace of mind.

See our various offers


When can your pension be paid out?

When you can have your pension paid out depends on when your pension plan was established:

  • If your pension plan was established before 1 May 2007, you can have your pension paid out when you turn 60.
  • If your pension plan was established after 1 May 2007, you can, as a rule, have your pension paid out five years before the state retirement age applicable at the time.
  • If your pension plan was established after 1 January 2018, you can, as a rule, have your pension paid out three years before the state retirement age applicable at the time.

Do you have questions concerning your pension?

Then you can call our Advisory Services Centre at (+45) 70 12 50 00.

Are your savings sufficient?

If you are under age 55, you should focus on your savings and whether they are sufficient to fulfil your expectations of retirement.

Your pension estimate reflects your prospects for the future 

The Pension Estimate indicates whether your savings are sufficient.

For example, if your Pension Estimate is 80, you can expect to have approximately 80 per cent of your present salary at your disposal for 20 years from the day you retire.

In order for your future living standard to approximately match the one
you have today, we recommend that your Pension Estimate is 80.

Your savings plan points you in the right direction

Your Pension Estimate can be regarded as a compass which you can use to
steer by: If your prospects for the future do not match your wishes, you should
change course.

Using the savings plan at My PFA makes it easy for you to see how it will affect
your future if you pay just a little more to your pension plan each month, or if
you postpone your retirement a few years.