Investing your savings
Your pension savings may be invested in various ways. This guide will give you an idea of how your savings can be invested - depending on the risk you are willing to take.

Answer nine questions and see what the best solution is for you. We base our recommendation on questions about your financial situation and on how you feel about investment risks.

For more information, click on the "i" in the top right corner.

What is your age?
38 years
25 years
65 years
What is your monthly salary?

Before tax and excluding employer-paid pension contributions

30,000 DKK
DKK. 17,000
DKK. 200,000+
How much have you saved so far?

State – as best you can – how much you have saved so far and how much you regularly save – e.g. through your employer.

Your pension savings are approx.
500,000 DKK.
DKK. 0
DKK. 8,000,000
Monthly contribution to pension
12 %
4 %
30 %
How important do you think your pension savings will be for your overall financial situation when you have retired?
Calculation
How much risk are you willing to take?

The figure below gives you an idea of what your current savings of
DKK 500,000 may develop into – depending on the level of risk you choose. Do not forget to consider whether you can accept the scenario involving the least favourable growth on your savings. Choose the option you feel most comfortable with.

If things go
really well
If things go
as expected
If things go
really bad
How would your partner or best friend describe you

- in terms of e.g. investments and loans?

I would be described as a person who
How much importance do you attach to return and risk?
What do you associate with the word "risk"

– in terms of your financial situation?

How do you react?

Imagine that the value of your pension savings is DKK 500,000. A financial crisis emerges, and equity prices plummet. So do your savings, and within a short period of time the value drops to DKK 300.000.

The value of your pension savings is DKK 500,000. Imagine a financial crisis and plummeting equity prices. This will also apply to your savings, and within a short period of time, the value will drop to DKK 300,000

Today DKK 75,0000
Two months ago DKK 500,000

We recommend that you choose

Danica Balance – lowest risk profile

with a guarantee commencing 10 years before you retire

The recommendation is

  • We will invest your savings for you – based on your risk profile risikoprofil
  • We will reduce the risk over time to ensure that it matches your age
  • You will have a guarantee that protects you against negative returns for 10 years
See more about Danica Balance and other possibilities of investing your savings

Based on your financial situation, your age and your answers about risk, we recommend that you choose the lowest risk profile.

  • Lowest
  • Low
  • Medium
  • High
  • Highest
Take the test again

We recommend that you choose

Danica Balance – low risk profile

with a guarantee commencing 10 years before you retire

The recommendation is

  • We will invest your savings for you – based on your risk profile
  • We will reduce the risk over time to ensure that it matches your age
  • You will have a guarantee that protects you against negative returns for 10 years
See more about Danica Balance and other possibilities of investing your savings

Based on your financial situation, your age and your answers about risk, we recommend that you choose the low risk profile

  • Lowest
  • Low
  • Medium
  • High
  • Highest
Take the test again

We recommend that you choose

Danica Balance – medium risk profile

with a guarantee commencing 10 years before you retire

The recommendation is

  • We will invest your savings for you – based on your risk profile
  • We will reduce the risk over time to ensure that it matches your age
  • You will have a guarantee that protects you against negative returns for 10 years
See more about Danica Balance and other possibilities of investing your savings

Based on your financial situation, your age and your answers about risk, we recommend that you choose the medium risk profile.

  • Lowest
  • Low
  • Medium
  • High
  • Highest
Take the test again

We recommend that you choose

Danica Balance – high risk profile

with a guarantee commencing 10 years before you retire

The recommendation is

  • We will invest your savings for you – based on your risk profile
  • We will reduce the risk over time to ensure that it matches your age
  • You will have a guarantee that protects you against negative returns for 10 years
See more about Danica Balance and other possibilities of investing your savings

Based on your financial situation, your age and your answers about risk, we recommend that you choose the high risk profile.

  • Lowest
  • Low
  • Medium
  • High
  • Highest
Take the test again

We recommend that you choose

Danica Balance – highest risk profile

with a guarantee commencing 10 years before you retire

The recommendation is

  • We will invest your savings for you – based on your risk profile
  • We will reduce the risk over time to ensure that it matches your age
  • You will have a guarantee that protects you against negative returns for 10 years
See more about Danica Balance and other possibilities of investing your savings

Based on your financial situation, your age and your answers about risk, we recommend that you choose the highest risk profile.

  • Lowest
  • Low
  • Medium
  • High
  • Highest
Take the test again

We recommend that you choose

Danica Select

The recommendation means that you have

  • Complete freedom to decide how to invest your pension savings
  • Full responsibility for your returns
  • The opportunity to monitor your investments closely
See more about Danica Select and other possibilities of investing your savings

Your answers indicate that your risk profile is in the category conservative. Consider the result when you decide on the composition of your investments.

  • Conservative
  • Low
  • Moderate
  • High
  • Aggressive
Take the test again

We recommend that you choose

Danica Select

The recommendation means that you have

  • Complete freedom to decide how to invest your pension savings
  • Full responsibility for your returns
  • The opportunity to monitor your investments closely
See more about Danica Select and other possibilities of investing your savings

Your answers indicate that your risk profile is in the category low. Consider the result when you decide on the composition of your investments.

  • Conservative
  • Low
  • Moderate
  • High
  • Aggressive
Take the test again

We recommend that you choose

Danica Select

The recommendation means that you have

  • Complete freedom to decide how to invest your pension savings
  • Full responsibility for your returns
  • The opportunity to monitor your investments closely
See more about Danica Select and other possibilities of investing your savings

Your answers indicate that your risk profile is in the category moderate. Consider the result when you decide on the composition of your investments.

  • Conservative
  • Low
  • Moderate
  • High
  • Aggressive
Take the test again

We recommend that you choose

Danica Select

The recommendation means that you have

  • Complete freedom to decide how to invest your pension savings
  • Full responsibility for your returns
  • The opportunity to monitor your investments closely
See more about Danica Select and other possibilities of investing your savings

Your answers indicate that your risk profile is in the category high. Consider the result when you decide on the composition of your investments.

  • Conservative
  • Low
  • Moderate
  • High
  • Aggressive
Take the test again

We recommend that you choose

Danica Select

The recommendation means that you have

  • Complete freedom to decide how to invest your pension savings
  • Full responsibility for your returns
  • The opportunity to monitor your investments closely
See more about Danica Select and other possibilities of investing your savings

Your answers indicate that your risk profile is in the category aggressive. Consider the result when you decide on the composition of your investments.

  • Conservative
  • Low
  • Moderate
  • High
  • Aggressive
Take the test again
Do you want take part in investing your savings?