Danica 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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What is a guarantee?
With Danica Balance, you can buy a guarantee commencing, for instance, 10 years before you retire. The guarantee ensures that you will get a guaranteed minimum payment no matter how your investments perform during the guarantee period.

This means that you do not have to worry if equity prices plummet.

When you receive your pension payments
Whether or not you have bought a guarantee, your savings will continue to be invested when you start taking your pension. If you do not already have a guarantee, you can buy one that will ensure minimum pension payments. This means that not only can you continue to invest your pension savings while you receive pension payments, you are also guaranteed a minimum amount throughout the guarantee period.