HøjrentePension – a stable return without getting involved
With HøjrentePension, you do not have to worry about the ups and downs of the financial markets. You will have the security of the with-profits pension because we even out the good and the bad years in the financial markets. At the same time, you will get the opportunity of a higher return as we can invest more freely than with the traditional with profits pension.
High and stable return on your savings
HøjrentePension provides a stable return on your investment at a limited risk.
You will get
- professional investment of your savings through our joint investment pool
- stable return on your savings with the interest on policyholders' savings
- an agreed savings balance when you retire
- payment of your savings as annuity pension or Livrente+.
How we invest your savings under HøjrentePension
When you have opted for HøjrentePension, your pension savings become part of Velliv's joint investment pool for interest rate group 1. The investments of the pool are placed in bonds, real estate, shares and alternative investments, such as forestry and private equity.
More about risk
You can rest assured that you will have an agreed balance on your pension savings account when you reach the agreed retirement age. The savings balance can only be reduced if new legislation is introduced that has a financial impact on our agreement.
When you want to receive your pension benefits, we determine the size of your payments. Then they can only be reduced if new legislation is introduced that has a financial impact on our agreement.
Return and interest
When you choose HøjrentePension, the return on your pension savings will be the interest on policyholders' savings.
You can see the current rate of interest on policyholders' savings here.
The interest on policyholders' savings will be based on the collective reserves and our investments which are handled by our investment experts. They make sure to achieve the best possible return while focusing on secure investments.
The interest on policyholders' savings can be changed with effect from the first day of any month.
With HøjrentePension, you pay two types of costs:
- Direct costs for the management of your pension scheme. Such costs are deducted from your savings.
- Indirect costs in the form of investment management costs, a risk premium and an interest margin by which the interest on policyholders' savings is reduced.
In 2017, APR (Annual Percentage Rate) for the investment management costs was 0.46 per cent.
Your total annual costs depend on your savings and the composition of your scheme. You can see your total annual costs in DKK and your annual percentage rate (APR) in Netpension.