Skip to main content

How we are changing the investment strategy
‘Mix Low risk profile’

Here you can see how we are changing the investment strategy ‘Mix Low risk profile’ at 1 April 2026. 

We are increasing the proportion of equities etc.

The blue colours indicate the proportions we will invest in the four funds DP Offensiv, DP Mix, DP Defensiv and DP Korte Obligationer 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 proportion we expect to invest in equities etc. across the funds today, prior to the change.

Please note that, for the period after retirement, the chart indicates the investment distribution for a 20-year annuity pension scheme or a life annuity. The chart does not apply from the date when any guarantee takes effect.

How the change will affect our customers – see examples

Below we show some examples of how we expect the change to the ‘Mix Low risk profile’ investment strategy to affect our customers with 30, 20, 10, 5 and 2 years to retirement.

The benefits on expected return are our best estimate of the amount a customer with the selected characteristics will receive when the customer retires.The calculation is based on a number of general assumptions and average data on returns, inflation, longevity and tax.

In addition to the expected benefits, you can also see the benefits in a high-return and a low-return scenario, respectively. This is the return the customer can expect to receive if the financial markets perform better or worse than we expect.

There is a high probability (90%) that the customer’s benefits will land somewhere between the benefits on a high return and the benefits on a low return.

Only uncertainty as to financial market developments has been taken into account in calculating the benefits in the high-return and low-return scenarios – not any uncertainty related to inflation, tax regulations, longevity, etc. 

  • 30 years to retirement

    Example 1 – Pension savings of DKK 100,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 15,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 66,225 69,665 3,440 5.2 %
    Benefits on expected return 42,143 43,340 1,197 2.8 %
    Benefits on low return 23,675 23,452 -223 -0.9 %


    Example 2 – Pension savings of DKK 200,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 30,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 134,418 141,403 6,985 5.2 %
    Benefits on expected return 85,640 88,077 2,437 2.8 %
    Benefits on low return 48,100 47,645 -455 -0.9 %
     
    You can find additional calculation assumptions here.

  • 20 years to retirement

    Example 1 – Pension savings of DKK 290,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 20,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 75,736 78,905 3,169 4.2 %
    Benefits on expected return 51,847 53,030 1,183 2.3 %
    Benefits on low return 32,790 32,625 -165 -0.5 %

     

    Example 2 – Pension savings of DKK 635,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 40,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 162,607 169,464 6,857 4.2 %
    Benefits on expected return 111,258 113,815 2,557 2.3 %
    Benefits on low return 70,286 69,930 -356 -0.5 %

    You can find additional calculation assumptions here.

  • 10 years to retirement

    Example 1 – Pension savings of DKK 840,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 30,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 111,917 114,000 2,083 1.9 %
    Benefits on expected return 86,763 87,543 780 0.9 %
    Benefits on low return 65,147 64,941 -206 -0.3 %

     

    Example 2 – Pension savings of DKK 2,000,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 60,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 258,453 263,361 4,908 1.9 %
    Benefits on expected return 199,718 201,545 1,827 0.9 %
    Benefits on low return 149,378 148,885 -493 -0.3 %
     
    You can find additional calculation assumptions here.

  • 5 years to retirement

    Example 1 – Pension savings of DKK 1,430,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 30,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 135,325 136,075 750 0.6 %
    Benefits on expected return 112,827 113,128 301 0.3 %
    Benefits on low return 92,389  92,316 -73 -0.1 %

     

    Example 2 – Pension savings of DKK 3,60,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 60,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 335,627 337,516 1,889 0.6 %
    Benefits on expected return 279,475 280,229 754 0.3 %
    Benefits on low return 228,523 228,331 -192 -0.1 %
     
    You can find additional calculation assumptions here.

  • 2 years to retirement

    Example 1 – Pension savings of DKK 2,000,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 30,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 158,941 158,917 -24 0.0 %
    Benefits on expected return 141,204 141,273 69 0.0 %
    Benefits on low return 123,650 123,822 172 0.1 %

     

    Example 2 – Pension savings of DKK 5,000,000 today

    Annual contribution after payment of labour-market contribution, if any: DKK 60,000

    20-year annuity pension scheme with benefits paid out to the beneficiaries in case of death.

    What the customer can expect to receive in the first year of retirement:

     
    Before change
    After change
    Difference in DKK
    Difference in %
    Benefits on high return 395,329 395,272 -57 0.0 %
    Benefits on expected return 351,116 351,287 171 0.0 %
    Benefits on low return 307,368 307,793 425 0.1 %

    You can find additional calculation assumptions here.

  • Additional calculation assumptions 

    The calculations are forecasts based on the following assumptions:

    The benefits ‘Before change’ are calculated based on the distribution of investments in Danica Balance at October 2025.

    The benefits ‘After change’ are calculated based on the new distribution of investments in Danica Balance effective from April 2026.

    In calculating the forecasts ‘Before change’ and ‘After change’, we have applied the following assumptions from October 2025:

    • Benefits are calculated as 2025 amounts and before any direct and indirect taxes.
    • When forecasting benefits, we apply the rules we have reported to the Danish Financial Supervisory Authority and the rules described in Danica’s bonus regulation and the fact sheet ‘Når du får udbetalt din pension’ at danica.dk/vilkaar (in Danish only).
    • We have assumed an inflation rate of 1% p.a. until and including 2025. From 2026 until and including 2030, we assume an inflation rate of 1.9% p.a. From 2031 until and including 2035, we assume an inflation rate of 1.8% p.a. From 2036, we assume an inflation rate of 2% p.a. In converting the forecast to 2025 amounts, we take the expected inflation rate into account.
    • In calculating the above forecasts, we have applied the societal assumptions of the Danish Council for Return Expectations – established by, among others, the trade association Insurance & Pension Denmark – at 1 January 2025.
    • We assume a rate of tax on pension returns of 15.30%.
    • Contributions are not made to insurance covers other than savings balance protection, which ensures that the beneficiaries receive benefits on the customer’s death.
    • In the forecasts, we adjust pension contributions according to the rate of inflation. 

     

Want to learn more about this investment strategy?

Read more here

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:

See questions and answers

Sådan ændrer vi de andre investeringsmåder

See our changes to your investment strategy Mix medium 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.

Read more
See our changes to your investment strategy Mix high 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.

Read more
Here you can see our changes to your investment strategy 'fixed risk profile’ with effect from 1 April 2026.

Fixed risk profile

See our changes to your investment strategies with fixed risk profiles

Read more

A lot can happen in a year. Does your pension scheme fit your current life situation?

Take a Pension Check
Show
Hide
Show more rows: All table rows are already visible for screen readers.
Show less rows: All table rows are already visible for screen readers.