Understand your Investment Options

Understand your Investment Options

The investment of your pension savings should reflect your preferences in terms of risk and return, but choosing the right solution can be difficult. Your savings are invested in a market rate plan, and this gives you several options to influence how your savings are to be invested.

Here you will find a brief introduction to your options with PFA so that you can better assess which solution is right for you. We recommend that you use the investment guide on My PFA, where you can receive a specific recommendation on how to invest your savings.

What you need to decide on

It can be overwhelming to decide how your pension savings should be invested and which level of risk suits you. But do not worry, here you will get an overview of your options and help to choose the right solution by answering three questions:


1. Should PFA manage the investment of your savings, or would you prefer to manage it yourself?

2. Should the level of risk remain fixed or be gradually reduced as you get older?

3. What should your savings be invested in?

1. Should PFA manage the investment of your savings, or would you prefer to manage it yourself?

It is up to you to decide whether PFA should manage the investment of your pension savings or whether you want to select which funds to place the savings in yourself.

If you want to select the funds yourself, you can choose to place all or part of your savings in You Invest

 

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2. Should the level of risk remain fixed or gradually decrease as you get older?

If you choose PFA to manage the investment of your savings, you can choose between PFA Invests and PFA Flexible. Regardless of which solution you choose, you must then decide on the level of risk at which your savings should be invested:

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PFA Invests

You choose your own investment profile. You can choose between Profile Low, Profile Medium or Profile High. The risk is automatically gradually reduced in the three profiles so that it becomes lower as you approach pension payout age and continues after you have started receiving payouts. 

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Read more about PFA Invests

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PFA Flexible

You decide the allocation between the Low and High-risk funds. In PFA Flexible, the risk is fixed and you must therefore decide for yourself whether you want to change your risk as you approach pension payout age.         

Read more about PFA Flexible  

3. What should your savings be invested in?

Once you have chosen whether your savings should be placed in PFA Invests or PFA Flexible, you must choose whether your pension savings should be invested with a broad investment focus that is regularly adjusted in line with global developments, a stronger focus on climate or a simpler solution with index-tracking investments.

 

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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

 
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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

Icon PFA Climate Plus 

PFA Climate Plus

Has an increased focus on climate to promote the green transition. Investments focus on a lower carbon footprint, including in unlisted investments and forestry. The investments are regularly adjusted in line with global developments, and no investments are made in oil and gas companies or weapons manufacturers.

Read more about PFA Climate Plus

How do I get started?

We recommend that you log on to My PFA and complete our Investment Guide. Here, you will be asked about your preferences regarding risk, investment focus, risk reduction, corporate responsibility and sustainability, after which you will receive a recommendation on how your savings should be invested.

Try the investment guide on My PFA

We are ready to help you

You are welcome to call our advisory services centre at

(+45) 70 12 50 00

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Take the investment guide

Take the Investment Guide on My PFA and get a recommendation for how to invest your pension savings.     

Log in to My PFA

 

Do you have savings in the average interest rate environment?

In the average interest rate environment, your pension savings earn a stable return and you are guaranteed a minimum payout (guaranteed benefit) when you retire. The risk is limited and so is the potential for a high return.     

Read more about average interest rate savings