DinKapital
DinKapital – Invest 5% with a stable and attractive interest rate
Savings
When you have your savings in VækstPension or LinkPension, you can choose to invest 5 per cent of your contributions to your savings in DinKapital. This provides a stable and attractive return on this part of your savings.
Advantages of DinKapital
- Stable and attractive interest rate
The interest rate on DinKapital is adjusted regularly to ensure it matches the interest rate level for comparable secure loans. Since its launch in 2017, the interest rate has ranged from 4 per cent to 5.5 per cent. You can see the current interest rate on this page. - Low risk
When you deposit into DinKapital, it’s with low risk. Similar capital has never resulted in losses in Denmark. - No investment costs
ÅOP (Annual Costs in Per Cent) of 0 per cent of your savings.
- Stable and attractive interest rate
Disadvantages of DinKapital
- Your savings in DinKapital are tied up
The part of your savings invested in DinKapital can only be withdrawn when you retire or transfer your savings from Velliv. If you have chosen DinKapital, you cannot retract the amount already deposited. However, if you notify us, you can stop making further deposits to DinKapital. -
Your savings in DinKapital may be subject to loss
DinKapital serves as a guarantee for your and other customers’ pension savings. As such, DinKapital is part of Velliv’s basic capital, referred to as “subordinated capital”. This means that DinKapital will first need to cover any potential losses if both the collective bonus pool and Velliv’s own equity are depleted. This has never occurred in the company’s over 100-year history.
- Your savings in DinKapital are tied up
Interest rate in 2025
The table below shows the applicable interest rates through the year.
| January | February | March | April | May | June |
| 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | |
| July | August | September | October | November | December |
The interest rate of DinKapital is adjusted continuously to at least equal the interest rate level for correspondingly secured loans. You can read more about how the interest rate is fixed here.
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023* | 2024 |
| 5.00% | 5.00% | 5.00% | 5.00% | 4.00% | 4.00% | 5.25% | 4.42% |
*The interest for 2023 is recalculated end 2023.
Attractive investment with low risk
Five per cent of your contributions to savings in VækstPension, LinkPension or HøjrentePension can be invested in DinKapital, where you receive an attractive and stable return with low risk. DinKapital is part of Velliv’s basic capital and therefore serves as security for your and other customers’ savings.
High level of security
Technically, DinKapital is part of Velliv’s basic capital as so-called “subordinated capital”. This means that before DinKapital needs to cover any potential losses, Velliv must first lose the entire collective bonus pool, which has never happened. Furthermore, Velliv must also lose its entire equity, which has not occurred in the company’s over 100-year history, and it has never happened for a Danish life insurance company.
Costs
For DinKapital, the ÅOP (Annual Costs in Per Cent) for investments is always 0 per cent.
However, you do pay direct costs for the administration of your pension scheme.
Your total ÅOP depends on various factors, including your savings and how your agreement is structured.
You can view your total costs calculated as both ÅOK (Annual Costs in DKK) and as ÅOP in Netpension/Mit Velliv.
Terms and conditions of insurance
See the general terms and conditions of insurance for DinKapital.
Contact us
Do you need assistance?
If you would like to review your pension, make changes to your savings or have other questions about your pension scheme, please contact our Customer Centre.
Our phones are open
Monday to Thursday: 8.30 – 16:00
Friday: 9:00 – 16:00