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Savings advisory at DNB

Everyone’s financial position is different, and your unique situation is crucial in determining how you should save in order to reach your goals.

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To find out which type of savings and product is right for you, a savings consultation will therefore be based on your specific situation as we find out what we can recommend for you!

At DNB, you can receive savings advice both digitally in the Spare app and through our authorised financial advisers via telephone or video meetings.

In the advisory process, we go through five topics to find the solution that is right for you.

We give you advice about new investments and carry out a review of your existing investments.

Risk capacity

Risk advisory service 1

Your daily finances, how much you own and how much debt you have, will help you determine how much fluctuation you can tolerate in your savings. We call this your risk capacity, which gives an indication of how large a proportion of shares you can have in your savings.

Risk tolerance


The higher the number of shares you have, the larger the fluctuations you have to expect. Fluctuations are completely normal, but not everyone is equally comfortable with this. It is therefore important that you consider how large a fluctuation in value you are comfortable with, so that your savings don’t keep you awake at night.

Savings period

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This is perhaps the most important component for finding your recommended savings product. The longer the savings period, the higher the risk you can take.

Remember that you do not lose or earn anything before you actually withdraw your money. That’s why being able to stay the course is crucial. If you need the money earlier than expected, the risk of loss will increase.

Knowledge and experience

Risk advisory service 2

For the proposed savings plan to succeed, it is important that you understand that the overall value will fluctuate along the way.

If you don’t have any experience of saving in mutual funds, fluctuations may feel uncomfortable, even though this is quite normal for long-term savings. If this is the case, we may advise you to save in a product with a slightly lower risk than if you have high expertise and experience.



In order for customers to get the right advice, we will also ask what your views on sustainability are. When you talk to us, we’ll tell you how the products consider the impact on sustainability issues, including their climate and environmental impact.

Book an advisory appointment

Markets DNB.no

Book a free advisory appointment with one of our authorised financial advisers.

The mutual fund adviser in Spare

Feel free to try the mutual fund adviser in the Spare app

Savings schemes

A savings scheme can help you develop good habits and give you a good return!

Read about saving in mutual 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
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.

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