Capital pension scheme

With a capital pension scheme, you can take your entire pension as a lump sum and use it whenever you want for whatever you want. You can also have your capital pension paid as regular income. The decision is up to you, and the money can be paid to you on the day you retire.

You can establish a capital pension scheme right up to the day before the deadline for taking your pension. All you need is personal income and a permanent address in Denmark.

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With a capital pension scheme, you can travel around the world or buy an allotment. You can take your entire pension as a lump sum or choose to receive a regular income.

Advantages of a capital pension scheme

You can choose to start taking your pension as from the day you reach your early retirement age.
What you want to use your pension for and when is entirely up to you.
You decide whether you would like us to pay out your pension as a lump sum or at regular intervals, and you can continue to make contributions even though you have already started receiving your pension.
You can deduct contributions from your bottom-bracket tax.
The return on your capital pension is currently only subject to 15% tax p.a.
Savings protection guarantees you that your surviving relatives will receive the value of your savings if you die before you retire.
You may be eligible for an exemption from contributions (waiver of premium) if your earning capacity is reduced.

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