Danica BalanceDanica Balance

Danica Balance is a pension scheme that gives you a choice on how to invest your savings. We manage your investments - all you have to do is say when you plan to retire and how much risk you are willing to take. You can choose to buy a guarantee that protects you against negative returns for a specified period of time.

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We will invest your savings in equities and bonds, taking into account your age and the amount of risk you are willing to take. The younger you are, the more likely you are to prefer equities, and as you get older, the number of equities will be reduced in favour of bonds. This ensures a balanced investment of your savings.

Advantages of Danica Balance

  • You do not have to spend time on managing your savings. We will invest for you - based on your retirement plans and your risk profile.
  • The investment risk always matches your age, so that your risk is reduced as you get closer to the date you are to receive your first pension payment. 
  • You can opt for a guarantee against negative returns - for instance in the run-up to retirement.
  • You can opt for a payment guarantee.


Determine your personal risk profile
You can choose from five different investment options - depending on the risk you are willing to take. With very few exceptions, you can always switch to another investment option that matches your needs and requirements. No matter which investment option you choose, we will automatically reduce the number of equities in your portfolio as you approach retirement.

Guarantee against negative returns
You can choose to buy a guarantee that protects you against negative returns for the entire guarantee period. This may be a good idea if the value of equities decreases - for instance during a financial crisis. You can also buy a guarantee ensuring minimum pension payments.

Pension payments - capital pension scheme, annuity pension scheme or life annuity
When you establish a pension scheme, you also choose how to receive your pension payments on retirement. You may receive a lump sum or a regular income - and for different periods of your retirement. Your pension plan will typically be set up as a capital pension scheme, an annuity pension scheme or a life annuity. Read more about payout options.