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Fixed-income fund

Fixed-income funds give you the opportunity to get a better return on your savings than you get in a savings account.

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  • Possibility of a higher return than in a savings account

  • Follow the development in the savings app Spare

  • Choose between liquidity funds and bond funds

What is a fixed-income fund?

Fixed-income funds are funds that invest the money in fixed-income securities such as bonds and commercial papers. When a mutual fund invests in interest rates, it means that it actually invests in loan securities. Examples of fixed-income funds are liquidity funds and bond funds.

The difference between bond and liquidity funds is the term of the fixed-income securities the funds buy. If the mutual fund only owns bonds, the term can be several years. In a liquidity fund, the term is shorter, usually between three months and one year. As the term is longer in bond funds, you must expect slightly higher fluctuations in value than in a liquidity fund.

By saving in liquidity funds and bond funds, you can expect to see slightly higher returns over time than in a bank account. Bond funds normally give slightly higher returns than liquidity funds.

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.

Differences between different types of equity funds (in Norwegian only)

Learn about interest management in DNB (in Norwegian only)

Daniel Berg explains what interest management is and when it’s suitable for your savings.

Liquidity funds

Build up a savings buffer or save for unforeseen events with quick access to the money. Liquidity funds are the mutual fund group that carry the lowest risk. This also means the lowest expected return. Over time, you can expect to receive a slightly higher return than a high-yield bank account.

  • More information about liquidity funds

Bond funds

Save money for larger purchases where you do not need immediate access to the money. Bond funds are well suited to savings in the medium term. Bond funds usually provide a slightly higher return than liquidity funds, but more fluctuations in value can be expected.

DNB Active Rate

This product invests in fixed-income securities. You want a high degree of security for your savings. The mutual fund is a good alternative to savings accounts.

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The savings app Spare

Spare is the app that helps you keep track of your savings.

Fixed-income funds FAQs

Read more about interest rates and fixed-income funds on DNB News

DNB News · 5 min reading time
DNB Nyheter articles
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DNB News · 5 min reading time
DNB Nyheter articles
Illustration showing a person reading the newspaper

EU classification of mutual funds and sustainability in our advisory services

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SFDR is the regulation in the EU action plan for sustainable finance. SFDR ensures that financial institutions publish their financial products’ investment strategy, investment objectives and actual investments.

Our mutual fund products

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