Optimise your savings with DinKapital
You can invest up to 5 per cent of your contributions for savings in DinKapital if you want a more stable return on your pension savings. DinKapital currently generates a return of 4.5 per cent and has a low risk. The scheme is for customers whose pension savings are placed in VækstPension, LinkPension or HøjrentePension.
Your benefits with DinKapital:
- 5% of your contributions for savings under VækstPension, LinkPension or HøjrentePension are invested in DinKapital. As a general rule, interest is fixed on an annual basis but may be changed on a monthly basis.
- If you have savings with other companies, you may invest 5 per cent of your accumulated savings in DinKapital if you transfer your savings to Velliv.
- The same terms and conditions for taxation and payment apply as for the rest of your pension savings.
See the terms and conditions for DinKapital (only in danish)
Attractive low-risk investment
Five per cent of your contributions for savings under VækstPension, LinkPension or HøjrentePension can be invested in DinKapital which offers an attractive and stable return at a low risk. DinKapital is included in Velliv’s capital base and therefore constitutes security for your and our other customers' savings.
Technically speaking, DinKapital is included in Velliv's capital base as 'subordinated capital'. This means that before DinKapital is to cover any loss, Velliv must have lost the entire collective bonus potential, which has never happened. Moreover, Velliv must have lost its entire equity, which has never happened in the company's more than 100-year history, and it has never happened to a Danish life insurance company.
Return and interest
When customers choose DinKapital, they are helping to build up Velliv's capital. In return, they get a competitive return at a low risk.
They receive a stable, 4.5% interest rate. As a general rule, interest is fixed on an annual basis, but may be changed on a monthly basis.
For DinKapital, APR (Annual Percentage Rate) for the investment management costs is always 0%.
However, you will pay direct costs for the management of your pension scheme.
Your total APR depends on your savings and how your scheme is put together.
You can see your total costs stated as Annual Costs in DKK and Annual Percentage Rate (APR) in Netpension.
You can view the general insurance conditions for DinKapital here.