Asset management

How we manage the pension profiles for your business

In DNB, we aim to give you the possible returns and, at the same time, we want our investments to contribute to sustainable social development. We have put together our pension profiles with a good spread of risk within the stock market, fixed-income market and commercial property. The intention is to achieve good long-term returns in the stock market, but also have secure enough pension profiles that can withstand short-term market jitters.

As the employer, you can choose between three types of management.

In DNB, we offer three different types of pension profiles, where the difference is mainly the management style of the underlying mutual funds.

1. Active management

The aim of the actively managed pension profiles is to achieve extra returns relative to the market indices we measure ourselves against. Active management is based on managers investing in the companies they think will produce the best returns.

Last quarter’s market report for Active management (PDF)

2. Index-based management

In an index-based management pension profile, the returns on shares closely follow the market index. The management cost is kept low because the proportion of equities is managed passively.

Last quarter’s market report for Index-based management (PDF)

3. Next Generation

The Next Generation pension profile is actively managed and has an extra focus on responsible and sustainable investments. The investments in the Next Generation pension profile have a higher ESG score and lower greenhouse gas emissions compared to the Active management pension profile.

Last quarter’s market report for Next Generation (PDF)

EU classification of mutual funds

The Sustainable Finance Disclosure Regulation (SFDR) came into effect in the EU on 10 Mar 2021. This has made it easier to compare financial products and services from a sustainability perspective, through uniform information and increased transparency.

The rules and legislation impose requirements on classifying mutual funds and include different categories depending on investment focus and how the fund is managed.