Danica Link

With Danica Link, you manage your investments and thus choose the amount of risk you want to accept in relation to your pension savings. Higher risk has historically resulted in a potentially higher return. However, it also results in an increased risk of fluctuation in pension savings. We always recommend that you choose your risk profile before you start to invest.

You can invest in a large number of approved investment funds – both actively and passively managed funds. See all the funds and their return here (In Danish only).

You can see the returns for funds that were previously available in Danica Link here (In Danish only).

As of 9 October 2025, we will make changes to selected Danica Link funds. You can read about the changes and the new Danica Link Basic funds by clicking here

Prices (In Danish only)

In addition to the expenses shown in the price sheet, the investment of your savings is subject to costs associated with the investment funds you choose. These costs will be deducted before the price and thus the return on the investment fund is calculated. You can find information about the costs of the individual investment fund by clicking the name of the investment fund on the list of funds here (In Danish Only).

With Danica Link, you buy and sell unit trust units directly via Netpension or Danske eBanking. You also have the option of real-time trading in some of the funds. See prices and conditions for Danica Link above.

When you set up a pension scheme, you also choose how you want your pension savings to be paid out when you retire. This can either be as a lump sum payout or as regular benefits. Your pension scheme will typically be set up as an annuity pension scheme, a life annuity or a retirement savings scheme.

Prices
Here you can see prices (In Danish only) of Danica Link.

In Netpension you can see the exact price of your pension scheme.

Conditions
Here you can learn more about the terms and conditions applying to you as a Danica customer.

Terms on setting up your pension scheme (in Danish only)
Customer guide on cover and health information (in Danish only)

Investment conditions
You can see the investment conditions applying to Danica Link here.

Investment conditions – Danica Link (PDF) (In Danish only)

If you already have a Danica pension scheme, you can see the investment conditions applying to your scheme in Netpension under [‘Pensionsoversigt’] and [‘Betingelser’].

When you are to receive your pension benefits
Here you can learn more about how your pension will be paid out. The same conditions apply if you are a beneficiary and are to receive a pension payout on death.

When you receive your pension benefits (PDF) (In Danish only)

Danica Link is subject to Article 8 of the EU Regulation on sustainability-related disclosures. This means that Danica is required to provide information on how the relevant characteristics are promoted. Further information and reporting on how the sustainable focus is implemented in practice can be found here.   

In Danica Link, you invest in one or more different investment funds. Some of these funds promote environmental and social characteristics as part of in their investment strategy and are required to disclose how these characteristics are promoted  in accordance with Article 8. Other funds contribute to specific environmental and/or social objectives and disclose how those objectives are pursued in accordance with Article 9. Finally, Danica Link may also include investment funds that neither have a sustainable investment objective nor promote sustainability-related characteristics and are classified under Article 6 of the Regulation.