Saving made simple
Choose what suits you:
Get started in the Savings app
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- Buy funds
- Start savings scheme
- Buy shares
Get more from your money
Saving in funds can give you a better rate of return than an account.Which fund you should choose depends on how long it is until you need the money.
On this page you will find useful tips whether you need to save for more or less than five years.
You don't need much to get started. Even small amounts can grow significantly over time.
For you who want to save for less than five years
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You should save in a fixed-income fund or choose a fund series with less than 80% equities.
Fixed-income fund
(Time horizon: 1.5–3 years)
A fixed-income fund is for you who want to take little risk and have a short time horizon. There are often smaller fluctuations, but you can achieve a higher rate of return than with a savings account.
Fund series
(Time horizon: 3–5 years)
We offer over 600 individual funds, and it can be difficult to choose. That's why we have created some fund series that can make the choice easier.
The fund series consist of equities in addition to interest rates, and thus provide a somewhat higher expected rate of return compared with fixed-income funds. You choose the proportion of shares the fund series should have yourself.
Due to somewhat greater fluctuations, the equity proportion of the fund series you choose should be less than 80% if you need to save for less than five years.
Remember that if you choose a fund series with more than 80% equities, you should have a Share savings account.
Choose a fixed-income fund or a fund series from the list.
Fixed-income fund:
Fund series:
For those who want to save for more than five years
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Is your share savings account ready? Choose a fund or get started with share trading.
With a long time horizon, you have more options.
Historically, it has been wise to have a high proportion of shares when saving long-term. Yes, there will be fluctuations, but with some risk you can also expect a higher rate of return.
Share savings account
If you want to invest in shares or equity funds, you should have a share savings account. You only pay tax when you withdraw the profit – what you deposit can be withdrawn tax-free.
Invest in equity funds
When you invest in individual funds, it can be wise to place money in funds from different markets and sectors. This spreads the risk and reduces the likelihood that your savings will fluctuate significantly in value.
Fund series
With our fund series, you can choose your own equity proportion. If you are saving for more than five years, you may consider an equity proportion of more than 80%.
Shares
When you buy shares, you become a co-owner of the company. As an owner, you receive a share of the value the company creates, and if the shares increase in value, you can make money when you sell them.
Pension
Your pension is your future income. The choices you make today can have a significant impact on how much you will receive as a pensioner.
Consolidate your savings with DNB
When you consolidate your savings and investments in one place, you get smart solutions, a clear overview and help when you need it.
You can monitor your investments on the go with the Savings app. In addition, you gain access to a wide range of competitive funds.
How to transfer:
Before you can transfer from your bank, you must first be a customer with us. It is simple, and with BankID you can become a customer in just a few minutes.
You are now ready to transfer your savings. Select what you wish to transfer and see the explanation under each product.
If you wish to transfer a share savings account, you must first open one with us. You can do that here.
You can transfer the following to DNB:
What about a fund series?
We offer over 600 funds in our investment universe. To make it simple for you, we have created three different fund series consisting of several sub-funds.
Choose the allocation of equities and interest rates that suits you best – we'll take care of the rest.
Our fund series
A simple way to get started with fund savings.
Fund Overview
Get an overview of all equity funds, index funds, bond funds and money market funds.
Digital adviser
Set aside ten minutes and receive tailored advice from our digital adviser.
Shares
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Have a clear strategy - and stick to the plan.
When you invest in shares, you should choose companies you believe in. As a shareholder, you receive your share of the value the company creates.
Before you can trade shares, you must have access to share trading, which you can arrange here.
If you wish to trade shares outside the Oslo Stock Exchange, you can also arrange access to international share trading here.
Get inspiration
Our experts share weekly share tips on dnb.no, and each month you can read DNB's market view and follow changes made to the recommended portfolio.You can also follow which shares were most bought and sold by our customers last month.
Dividend companies
If the company you have invested in performs well, you may also receive a dividend. A dividend is a cash payout on a share you own. The number of shares you own therefore determines the size of the dividend. Companies that normally pay dividends are called dividend companies. See our overview of dividend companies Here.
Once you have access to share trading, you can trade shares in the online bank or in the Savings app.
Pension
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First, you need to get an overview of how much has been saved for you. Check your equity allocation and start your own savings.
The first step is to get an overview. Check how much has been saved for you, and compare it with others your age.
2. Review your equity allocation
The most important thing you can do for your pension is to review your equity allocation. Historically, a higher proportion of shares has resulted in a larger pension.
3. Start saving early on your own
The State and your employer save some towards your pension, but the rest you must arrange yourself. Even small amounts can grow significantly over time.
Check what you should do now – and take a big step closer to living your whole life, your way.
Get inspired
Funds
Dine Penger rates around 200 funds every month. In addition, we share monthly which funds were most bought and sold amongst our customers.
Equities
Our experts share weekly share tips on dnb.no and each month you can read DNB's market view and follow changes made to the recommended portfolio. You can also follow which shares were most bought and sold by our customers last month.
