How we are changing the investment strategies with fixed risk profiles
Here you can see how we are changing the investment strategies with fixed risk profiles effective from 1 April 2026 .
Mix Low fixed risk profile
At 1 April 2026, we are changing the proportions of pension savings we invest in the three investment funds.
Prior to the change, we invest 60% in DP Defensiv, 20% in DP Mix and 20% in DP Offensiv.
After the change, we will invest 62% in DP Defensiv, 20% in DP Mix and 18% in DP Offensiv.
What the chart shows
The blue colours indicate the proportions we will invest in the funds from 1 April 2026.
The white line indicates the standard proportion we expect to invest in equities etc. across the funds from 1 April 2026 – in the chart we call this ‘Neutral andel af offensive investeringer’.
The dotted brown line indicates the standard proportion we expect to invest in equities etc. across the funds prior to the change.
The white and the dotted brown line overlap on the chart, because we expect to invest the same standard proportion in equities etc. across the funds going forward. This is due to changes in the DP Mix fund.
The chart does not apply from the date when any guarantee takes effect.
Mix Medium fixed risk profile
At 1 April 2026, we are changing the proportions of pension savings we invest in the three investment funds.
Prior to the change, we invest 20% in DP Defensiv, 40% in DP Mix and 40% in DP Offensiv.
After the change, we will invest 24% in DP Defensiv, 40% in DP Mix and 36% in DP Offensiv.
What the chart shows
The blue colours indicate the proportions we will invest in the funds from 1 April 2026.
The white line indicates the standard proportion we expect to invest in equities etc. across the funds from 1 April 2026 – in the chart we call this ‘Neutral andel af offensive investeringer’.
The dotted brown line indicates the standard proportion we expect to invest in equities etc. across the funds prior to the change.
The white and the dotted brown line overlap on the chart, because we expect to invest the same standard proportion of pension savings in equities etc. across the funds going forward. This is due to changes in the DP Mix fund.
The chart does not apply from the date when any guarantee takes effect.
Mix High fixed risk profile
At 1 April 2026, we are changing the proportions of pension savings we invest in the two investment funds.
Prior to the change, we invest 33.3% in DP Mix and 66.7% in DP Offensiv.
After the change, we will invest 38.5% in DP Mix and 61.5% in DP Offensiv.
What the chart shows
The blue colours indicate the proportions we will invest in the funds from 1 April 2026.
The white line indicates the standard proportion we expect to invest in equities etc. across the funds from 1 April 2026 – in the chart we call this ‘Neutral andel af offensive investeringer’.
The dotted brown line indicates the standard proportion we expect to invest in equities etc. across the funds prior to the change.
The white and the dotted brown line overlap on the chart, because we expect to invest the same standard proportion in equities etc. across the funds going forward. This is due to changes in the DP Mix fund.
The chart does not apply from the date when any guarantee takes effect.
We are not changing ‘100% Mix’ – but the underlying fund
Under the ‘100% Mix’ strategy, we will continue to invest the full amount of the pension savings in the DP Mix fund. Accordingly, we are not changing the investment strategy but adjusting the investments in the DP Mix fund.
Today, the standard distribution of the fund is 25% of the assets in equities etc. We are changing that proportion to 35%.
As today, the actual proportion of equities etc. will vary depending on our market expectations.
What the chart shows
The white line indicates the standard proportion we expect to invest in equities etc. from 1 April 2026 – in the chart we call this ‘Neutral andel af offensive investeringer’.
The dotted brown line indicates the standard proportion we expect to invest in equities etc. prior to the change.
Please note that the DP Mix fund has recently invested up to approximately 50% in equities etc. This means that we will actually invest a smaller proportion of our customers’ pension savings in equities etc. after 1 April 2026 than we do today.
The chart does not apply from the date when any guarantee takes effect.
Want to learn more about the investment strategies of Danica Balance?
Do you have questions about the changes to Danica Balance?
If you have any questions or need advice, please feel free to call us on +45 70 11 25 25.
You can find answers to the most frequently asked questions about the changes here
Mix low risk profile
See our changes to your investment strategy Mix low risk profile with effect from 1 April 2026.
Mix medium
See our changes to your investment strategy Mix medium risk profile with effect from 1 April 2026.
Mix high risk profile
See our changes to your investment strategy Mix high risk profile with effect from 1 April 2026.
