With Danica Balance Responsible Choice, you can invest your pension savings with a higher minimum share of investments classified as sustainable by Danica. In order for an investment to be classified as sustainable, it must meet a number of defined criteria, which depend on, among other things, the type of investment.
As well as investing your pension savings to give you attractive long-term returns, our experts also focus on making sustainable investments. This means that your pension savings in Danica Balance Responsible Choice are placed in different types of investments (shares, bonds, etc.) and that at least 75% of the investments are sustainable investments, in the share of your pension savings that you invest in Danica Balance Responsible Choice. Sustainable investments are investments that according to Danica's classification, is assessed to contribute positively to defined environmental or social objectives.
Additionally, we apply stricter exclusion criteria for fossil fuel, gambling and alcohol, for example. The criteria applied are set out in our exclusion policy.
It is up to you what percentage of your pension saving are placed in Danica Balance Responsible Choice. This can be a large or a small percentage – it is entirely your choice. Log on to Mobilpension or Netpension and start your investment.
The investments' linkage to the UN Sustainable Development Goals
The investments are classified on the basis of whether they are deemed to contribute positively to one or more of the UN Sustainable Development Goals (SDGs).
Investments may include, for example, businesses and projects with activities in the areas of climate adaptation, energy efficiency and sustainable infrastructure. Other investments include those working to improve health and infrastructure, or investments in improving access to energy and increasing renewable energy production.
Sustainability information
Danica Balance Responsible Choice promotes environmental, social and governance (ESG) objectives, and the investment solution complies with Article 8 of the EU Sustainable Finance Disclosure Regulation (SFDR). Find further information and reporting on how the sustainable focus is put into practice here.
Facts
To ensure competitive returns in relation to your chosen investment risk profile, your pension savings are invested in a wide selection of shares, bonds, alternative investments and properties.
Because Danica Balance Responsible Choice has a large proportion of sustainable investments alongside extensive sector restrictions, it automatically excludes a wider range of investment areas. Therefore, it cannot provide the same investment and risk spread as is offered by the standard Danica Balance pension scheme. Accordingly, even with the same investment risk profile, the expected return under Danica Balance Responsible Choice will be slightly lower than the return under Danica Balance. In practice, however, the return may sometimes be higher, the same or lower.
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