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Pension savings

Get started saving for a pension early and you’ll have more to live off in the future. We can help you get started.

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  • Combine saving for a pension with other savings

  • Get a full overview of your pension in the savings app Spare

Save for a pension in mutual funds

How to get started with saving for a pension?

Your pension is the money you will live on in the future. The National Insurance Scheme contributes one part, the employer contributes one part and you need to save the rest yourself. There are many ways to save for your pension. You need to find the way that suits you best. Things to bear in mind:

  1. How long are you going to save for?
  2. How many shares and fixed-income securities are you comfortable having in your savings?
  3. How much are able to set aside per month?
  4. Do you want to tie up your savings until you retire?

Three simple steps to get started:

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1. Download the Spare app

Spare gives you an overview of all parts of your pension, that which your employer has saved for you and what you save yourself, all in one place.

  • Download Spare now
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2. Assess pension profile

Consider whether you have the right proportion of shares in the pension savings you have with your employer. You have the option to make changes that can make a big difference to what you receive.

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3. Start regular savings

Decide how much you want to save per month and start saving in the Spare app.

Save for a pension in mutual funds

There are many ways to save for your pension, and saving in mutual funds is one option. You don’t get a tax asset on savings, but you have the flexibility to withdraw the money when you want and can choose from our wide range of mutual funds.

Start saving for a pension in pension funds

DNB Lev Mer are the funds that are customised for saving for a pension. Here you’ll get a good mix of shares and interest rates to suit your age.

Save for a pension in individual pension savings (IPS)

When saving in mutual funds in Individual pension savings (IPS), the money is tied up, and you can start disbursements when you reach the age of 62. The advantage of IPS (individual pension savings) is that you get deferred taxes.

Saving for a pension based on age

Historical returns are no guarantee of future returns. Future returns will depend, among other things, on market developments, the skill of the Portfolio Manager, the mutual fund’s risk, and the management costs. Returns may be negative as a result of mark-to-market losses.


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