LinkPension – produce the highest possible return yourself

By choosing LinkPension you will profit fully from the movements in the market. If you would like to and have the insight in how to invest, you are able to choose the funds and thus continuously adjust the risk yourself.

Overview Investment Return Costs Overview

Overview

By choosing LinkPension you are the only one responsible for the investments.

You will receive:

Investment

By choosing LinkPension you can compose you own individual portfolio from the best funds in the market. You are the only one responsible for any profit or loss.

All the funds have been selected by Nordea’s experts and therefore comply with the same ethical set of rules applying for all portfolios managed by us. In addition, Nordea’s experts monitor the trustees/funds continuously, giving you access to the best selection of funds at any time.

We select the best funds in the market and replace those performing below expectation with new, attractive funds:

  • We monitor 30,000 funds in our database and select the best 
  • We carefully examine the funds’ organisations, strategies and investment processes 
  • We analyse numerous, measurable key figures – such as the funds’ historical return, risk and ability to produce competitive return 
  • We meet regularly with the selected funds to assess their ability to deliver a satisfactory return 
  • We carry out the selection and analyses in cooperation with Nordea’s experts in the field - Nordea Fund & Manager Selection
  • The shares of various assets may vary over time 

Particularly, you will be able to invest in the fund Nordea Link Ejendomme via LinkPension. This will give you access to an investment universe that is somewhat inaccessible.

You need not select the individual funds yourself. Instead, you will be able to invest in our multi-assets funds – here we have already composed the investments for you. You only have to consider how big your risk appetite is and whether you want actively or passively managed funds.

You can choose between 8 multi-assets funds – 4 are actively managed and 4 are index-managed. Furthermore, you need to state your degree of risk appetite. There are 4 different risk profiles: low risk, medium risk, high risk or a pure private equity fund.

We prioritise your investment in different risk profiles in the following way. The proportions of the different assets can vary over time. 

Low risk (Lav risiko) - stable return, less potential of return

A relatively big part of your savings will be invested prudently in bonds.

Active low risk (Aktiv Lav risiko): 

Shares

Alternative investments

Property

Bonds

21,5 %

3,5 %

10 %

65 %

Index low risk (Index Lav risiko):

Shares

Bonds

25 %

75 %


Medium risk (Mellem risiko) - stable return, increased potential of return

A moderate part of your savings will be invested prudently in bonds.

Active medium risk (Aktiv Mellem risiko):

Shares

Alternative investments

Property

Bonds

45,5 %

4,5 %

7 %

43 %

Index Mellem risiko:

Shares

Bonds

50 %

50 %


Hig risk (Høj risiko) - high potential of return, increased risk of loss

A relatively big part of your savings will be invested riskily in shares.

Active high risk (Aktiv Høj risiko):

Shares

Alternative investments

Property

Bonds

69 %

6 %

3 %

22 %

Index high risk (Index Høj risiko):

Shares

Bonds

75 %

25 %


Fund of shares (Aktiefond) – very high potential of return, high risk of loss

In general, your entire savings are riskily invested in shares.

Active fund of shares (Aktiv Aktiefond):

Shares

Alternative investments

Property

Bonds

92 %

8 %

0 %

0 %

Index fund of shares (Index Aktiefond):

Shares

Bonds

100 %

0 %

The difference of active and index-based investment is the risk spreading in the investments and the almost day-to-day attention attached to the individual investments.

Actively managed investment will give you the best risk spreading and ensure you a good chance of a high return. Our investment experts are monitoring the market, selecting the individual securities (for example, shares in specific companies) and continuously assessing the composition of investment types (shares, bonds, real estate, alternatives, etc.). Moreover, you will be given access to attractive investment types usually not accessible to private individuals.

 

Index-based investment will automatically follow a number of the most widespread indexes in the world (5 on shares and 5 on bonds), thus generating a minor risk spreading. However, you will miss out on achieving the possible, extra profit coming from actively managed pension savings. On the other hand, your investment costs will be lower.

Return

Return

You will be able to find further details about the balanced fundsÅbner i nyt vindue (in Danish) and their return under Investment funds & return

You can see the development of your pension assets on NetpensionÅbner i nyt vindue. Be aware that Netpension is in Danish. As always, you are welcome to contact us. 

Costs

Costs

Investeringsomkostninger opgjort i ÅOP (Årlige Omkostninger i Procent) er den pris, du betaler for forvaltningen af din pensionsformue. ÅOP for de enkelte fonde varierede i 2015 mellem 0,12 og 2,02 pct.

Udover investeringsomkostninger betaler du direkte omkostninger for administrationen af din pensionsordning. Din samlede ÅOP afhænger bl.a. af din opsparing, hvordan din firmaaftale er sammensat, og om du indbetaler privat.

Som kunde med LinkPension betales der to slags omkostninger:

1) Direkte omkostninger, der fratrækkes som en procentdel af indbetalingerne, et fast årligt gebyr samt en mindre procentdel af værdien af opsparingen.

2) Indirekte omkostninger, som fratrækkes afkastet i de investeringsfonde, opsparingen er placeret i. Generelt er omkostningerne i aktiefonde højere end i obligationsfonde, idet det er dyrere at udvælge og forvalte omkring aktier. De indirekte omkostninger i LinkPension er afhængige af de fonde, som vælges.

Du kan se dine samlede omkostninger i NetpensionÅbner i nyt vindue.

Se hvordan investeringsomkostningerne fordeler sig på de enkelte fonde i LinkPension

On this site you can find general information e.g. about pension schemes and insurance products. We always do our best to maintain the site, however errors may occur. In case of discrepancies between the English and Danish content, it is the Danish wording of terms and conditions that apply. If you have any queries, please do not hesitate to contact us.