PFA introduces new investment profiles

Investment Profile A to Profile Cautious

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PFA wants to ensure the highest possible return for our customers, so that they can enter into retirement with peace of mind. Based on this ambition, we have developed three new investment profiles: Profile Low, Medium and High, which will replace the current investment profiles B, C and D on 1 April 2025.

Investment profile A will be renamed profile Cautious and cannot be chosen after 1 April 2025.

From Investment Profile A to Profile Cautious

If your savings are in investment profile A, the new profile changes will not directly affect you as profile A will remain unchanged after 1 April 2025. However, the profile will be renamed Profile Cautious.

On 1 April 2025, the profile can no longer be chosen as we assess that the expected return is too low for most people since the profile contains a very small proportion of shares and investments with similar risk. We therefore recommend that you consider whether investment profile A is still right for you.

At mitpfa.dk and in the My PFA app, you can get a recommendation via the investment guide on which investment profile matches your wishes for return and risk. From 1 April 2025, the guide will be updated with the new profiles, but you can consult it already now to find out which profile is right for you. Please note that investment profile A/Profile Cautious is not included in the guide recommendations as PFA no longer recommends this profile.

What happens if you have chosen to add payout protection cover?
If you have chosen to add payout protection cover to your savings plan, this will continue unchanged. At My PFA you can see whether you have payout protection cover for your savings.
Learn more about the profile changes

Watch a video with PFA’s private economist, Camilla Schjølin Poulsen, who talks about the background for the new profiles and the most important changes.

Gradual reduction in brief

Watch a video with PFA’s private economist, Camilla Schjølin Poulsen, and get a quick explanation of how the investment of your savings will be adjusted as you approach retirement.

View the proportion of shares and similar investments in your savings

You can calculate how long you have until retirement by subtracting your age from the agreed retirement age in your pension plan. If it says state retirement age, it refers to the state retirement age applicable to your age group. For example, if you are 53 years old, your expected state retirement age will be 69 years, and you should therefore enter 16 years until retirement.

You can find your agreed retirement time in your pension certificate at My PFA under Documents

If you have retired, you can enter 'years since retirement' by placing a minus sign in front

Proportion of shares etc.
Current – Profile A
New – Profile Cautious

Learn more about the main changes in the other investment profiles

Investment Profile B to Profile Low
Investment Profile C to Profile Medium
Investment Profile D to Profile High

Get a recommendation for choosing an investment profile via PFA’s investment guide

If you are unsure whether you have the right investment profile, you can easily and quickly get help from the investment guide at My PFA, where you can also change your investment profile. From 1 April 2025, the guide will be updated with the new profiles, but you can consult it already now to find out which investment profile is right for you. If you choose to change profile before 1 April 2025, you will automatically be transferred to the corresponding new profile on 1 April 2025.

Please note that after 1 April 2025, you will not have the option to choose Profile Cautious if you have chosen to change to another investment profile.

 

  

We intensify our climate focus in PFA Climate Plus

If you have savings in PFA Climate Plus, the changes to your investment profile will also apply to this part of your savings. In addition, we will strengthen the climate focus of PFA Climate Plus from 1 April 2025 so that we not only exclude oil, coal and gas companies, but also companies with strong ties to the fossil fuel sector.

As a consequence of the increased climate focus, the return in PFA Climate Plus is expected to be slightly lower and have higher fluctuations than the return in the other savings with PFA Plus as we cannot spread out the investments in the same way. We have therefore adjusted the terms and conditions of pension for PFA Climate Plus so that this is clearly specified.

Sign up for a webinar

Join the webinar and learn more about the changes to PFA’s investment profiles and PFA Climate Plus
 

It is important to us that you feel comfortable with the changes to your investment profile and that you can quickly get answers if you have any questions. Therefore, we invite you to a webinar where you can learn more about the background of the changes and what they mean for you.

Read more and sign up here

Get answers to the most frequently asked questions

Go to the FAQ



If you have any questions or need advice, feel free to call us at +45 70 80 82 47

See the difference between your current and future terms and conditions

The changes will result in an adjustment to your terms and conditions of pension. Here you can see an overview of the difference between the current and future terms and conditions.

From 1 April 2025, the new terms and conditions of pension will also be available at mitpfa.dk or in the My PFA app where you will also receive a new pension summary.