Self-invest
With Free Fund Selection, you decide how your savings should be invested, and at what risk.
Funds and prices
You can see the prices for the individual funds here. Prices are one day behind and represent the closing prices from the previous trading day.
Any questions?
If you want to invest your savings yourself, you need to keep an eye on the markets and adjust your investments regularly.
You can cancel this option at any time and let us reinvest your savings again.
Our trading day is different from what you might be familiar with from your bank.
You can place orders 24/7, including at weekends and public holidays
- It takes two working days from placing an order until it has been executed and registered as completed
- Your order will be executed at the closing price on the first working day after you place the order
- You can cancel or change your order on the day you place it. The order will then be locked until it has been processed.
Please note that you can only have one active order at a time.
You can only have one active order at a time. This is how our system is set up.
It takes two working days from when you place an order until it is executed and registered as completed.
You can decide how to structure your investments, but there are limitations:
Emerging Market stocks and bonds.
- You can invest up to 30 percent of your savings in Emerging Market stocks and bonds, and up to 60 percent in a mix of Emerging Market stocks and Emerging Market bonds.
Risk diversification
- You should diversify your investments in both bonds and stocks - and not invest your entire savings in a single fund.
| Costs | Rates 2025 |
| Investment costs 1) | 0,60% |
| Trade in external funds | Rates 2025 |
| Additional annual safe custody costs when selecting external funds (Free Fund Selection) |
DKK 0 |
| Commission on trade in external funds (Free Fund Selection) | 0,10 % |
| Fee for trade in external funds (Free Fund Selection) | DKK 0 |
| Additions to/deductions from net asset value of purchase/sale | 0,08 % |
| Administration costs in external funds (Free Fund Selection) 2) | 0,15 - 0,85 % |
1) The amount shows the costs involved in investing your savings – e.g. the costs of trading in securities, safe custody fees to custodian banks and payments to asset managers, etc. Investment costs are calculated as a percentage of the average pension savings and are based on the expected investment costs for 2025. It includes the 0.09 percent deducted from the member’s fund account to cover internal investment costs. Individual members may have lower or higher investment costs depending on their age, risk profile and whether a choice has been made in Free Fund Selection.
2) The administrative costs in external funds are calculated net, as all discounts from external managers (kickback) to PensionDanmark go directly back to members.
