IPS - individual pension savings
With IPS, you can save up to NOK 15 000 a year for your own pension and have tax deferred.
Deferred tax when you save for a pension in IPS
Good selection of mutual funds
The money is locked in to a pension
What is IPS?
Individual pension savings (IPS) are savings in mutual funds where you benefit from deferred tax for the amount you save. You can decide whether you want a fixed savings scheme, or whether you want to invest money when it suits you best.
- You can save as much as you want, but no more than NOK 15 000 a year
- You can save from the age of 18 until you turn 75
- The money you save is tied up until you are 62 years old
- You receive a deduction from ordinary income for the amount you save
- You can choose all types of mutual funds in IPS
How much will you receive from IPS?
Check how much you can receive each month as a pensioner by saving in IPS
Move your IPS to DNB
Collect all your savings and get a full overview in the Spare app
Save for a pension without commitment
Do you want to save for retirement, but without tying up the money?
Individual pension savings (IPS) FAQs
The savings app Spare
Spare is the app that helps you keep track of your savings.
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Pension
Own pension account
Everyone who has a defined-contribution pension gets their own pension account
Pensjonskonto Flex
Self-selected solution for pension accounts
Pension calculator
Get an overview of what your pension disbursements will be
Pension savings
See how you can save for your pension
Pension savings in mutual funds
Save as much as you want and withdraw the money when you want
Individual pension savings (IPS)
Tied pension savings with deferred taxes
Defined-contribution pension
Read more about what a defined-contribution pension is
Pension profile
See the options and choose the pension profile that suits you
Pension capital certificate
Gather all your pension capital certificates in one place
Paid-up policies
Read more about accrued pension benefits from former employers
Plan your pension
Read more about how you can plan your retirement
Garanti Livrente
Tailor your own pension