Savings
Enjoy today, build for tomorrow
Savings and investments
At Velliv, savings are primarily about finding the perfect balance between having enough to enjoy life now and ensuring that you have enough to live life as you wish when you retire.
Your savings need to be invested to grow – What's your risk appetite?
We invest your savings to help them grow, so you can receive the maximum disbursement when you retire.
When investing in securities such as stocks and bonds, the value of your savings may fluctuate from year to year. This is known as investment risk.
It is important that your savings have an investment risk that suits you. It should meet your desires and give you peace of mind.
We have a savings option that suits you
When it comes to your pension savings, you have the freedom to choose. You can either let us handle the investments or take charge and manage them yourself. The choice is yours!
VækstPension
We manage your savings and risk level.
- Velliv’s experts make sure to spread your risk
- Invest in what you believe in with our three profiles: Index, Aktiv or Aftryk
- Automatic risk reduction as you approach retirement
LinkPension
You manage your own investments and risk.
- You have strong opinions on how your investments should be structured
- You get a wide selection of actively and passively managed funds
- You control your risk level without automatic reduction
Do you have one of our other products?
We have thought about responsibility, whatever your savings choice
We continuously set high standards for what we will and won’t invest in, and we work proactively with active ownership in the companies we invest in. This means you can be sure that, whichever savings option you choose, responsibility is always considered.
DinKapital – an additional source of returns
As a supplement to your savings, 5 per cent of your deposits can be used for lending instead of being invested. This gives you a stable and attractive interest rate with low risk and no annual fees.
We offer 3 different disbursement options
At Velliv, we continuously optimise how your contributions are allocated in relation to disbursements. This ensures that you benefit from the various tax advantages when saving for retirement. Over the course of a year, you first contribute to annuity certain schemes, then to whole-life annuity schemes. This happens automatically, and you don’t need to do anything.
If you prefer, you can choose a different allocation and opt for an old-age savings scheme. This is free of charge.
Here, you can read about the different disbursement options we offer:
Annuity certain scheme
You can deduct up to DKK 65,500.00 (2025) per year in contributions.
Whole-life annuity scheme
You can deduct all your contributions to your pension, regardless of how much you contribute.
Old-age savings scheme
You do not receive tax deductions while saving. However, you will not have to pay taxes when the savings are disbursed.
Take our investment guide and find the savings scheme for you
Answer questions about involvement, risk appetite and tolerance, as well as how long you have until retirement – and you’ll see which savings scheme we recommend for you.
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