Adjust your risk

We do this to protect your savings against sudden falls very close to your retirement age. So the older you get, the lower the proportion of your savings that is invested in shares and other risky investments. However, there are no guarantees, and the prices of shares and bonds go up and down.

All pension funds use a risk figure. This figure tells you how great the risk is that your savings will go up or down over the course of a year.

You can compare risks across pension funds at faktaomopension.dk/risiko. This website collects information about risk across the individual pension funds.

When you invest in shares, you put money into a company. If the company you have invested in performs worse than expected, the value of the company’s share falls. In other words, the share is worth less than when you bought it.

Whether companies are doing well or badly is extremely unpredictable, which is why money can be lost quickly. On the other hand, money can be earned quickly when things go well.

PensionDanmark always invests your savings in a mix of shares and bonds so that the risk of loss is not too great. This means you have a good chance of making a profit from shares and at the same time you are guaranteed a more stable return from bonds.

Yes, you can change your risk profile. The change will take effect after two business days. You will receive a message in mit.dk when the change is active.