Savings scheme in funds

Some people are lucky in life. For the rest of us, saving a little can be a smart move.

Small amounts can grow large over time
Put your savings on autopilot
Get started early and let time work for you

What is a savings scheme?

A savings scheme is an agreement you make with yourself. You transfer a fixed amount from your current account to a share savings account or mutual fund account, normally on payday. When the saving happens automatically, you barely notice it. But you will notice the results.

You choose the fund, amount and date – we ensure that the money is invested automatically each month.

You can set up a savings scheme easily in the online bank, mobile bank or in the Savings app.

Why have a savings scheme with DNB?

At DNB you get access to over 600 funds. You also get a full overview of your funds and shares in the Savings app and in the online bank.

At DNB it costs nothing to have a savings scheme or share savings account, you only pay the applicable prices for shares and funds.

Would you like to move your savings to DNB? Read here

How much do women and men save on average each month?

Age	Women	Men
20-29 years	NOK 1,364	NOK 2,102
30–39 years	NOK 1,985	NOK 2,797
40–49 years	NOK 2,076	NOK 2,923
50–59 years	NOK 1,967	NOK 2,828

The figures show the average amount of savings-plan transfers into funds per DNB customer, grouped by gender (August 2026).

Average number of funds
Women: 1.8
Men: 2.0

Try our savings calculator – see how much your savings can grow!

Your mutual fund savings can grow to

After 25 years, you have deposited NOK 950,000 and earned NOK 1,480,240 in returns.

Explore funds

How to start a savings scheme

Start a savings scheme in the online bank

Start savings scheme in Spare

Explore and buy our six-star funds

"Dine Penger" compares nearly 200 funds. Ten DNB funds receive a six-star rating:

DNB Global Indeks A
DNB Norge Indeks A
DNB USA Indeks A
DNB Europa Indeks A
DNB Norden Indeks A
DNB Critical Materials A
DNB Global Industrial Sector Index A
DNB Climate Index A
DNB Barnefond A
DNB Miljøinvest A

_{Updated 13 August 2026.}

Frequently asked questions about funds and savings agreements

What is a fund?

A fund, also called a mutual fund, is a collection of securities that are combined into one package. You can buy units in the fund. The money you and other fund savers put into the fund is used by the manager to buy securities for the fund.

A fund can own from 16 to several hundred different securities.
A fund can invest in shares, bonds and other fixed-income securities.
The greater the proportion of shares in a fund, the higher the risk and rate of return you can expect.
The risk and return potential are lower the more fixed-income securities there are in a fund.
What is the risk of saving in funds?

There are different types of funds:

Equity fund

An equity fund is a fund where at least 80 per cent of unitholders' money is invested in the equity market.

Myths about investing

You don't need to be an expert, have a lot of money or time the market perfectly to start investing. In one minute, we debunk six common myths about fund saving.

_{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.}