At Velliv, we work to create the greatest possible value for you and all our other customers - not for shareholders or external owners. The idea is therefore quite simple: When Velliv does well, you should benefit.
As a Velliv customer, you have the opportunity to receive VellivKroner if you have pension savings with a market-rate product (VækstPension, LinkPension or VækstOpsparing).
You can be awarded VellivKroner both while your saving up and when you begin receiving your pension payments.
VellivKroner is a cost discount. When you pay less in costs, more money goes into your savings. This leaves you with more money set aside for the future - and ultimately more to live on once you retire.
If your savings are placed in Livrente+Invest, please see the section "Bonus from Velliv Foreningen" for further details.
Unsure whether you have market rate or mean interest rate?
Each year, Velliv decides whether VellivKroner is to be allocated and how much to allocate.
VellivKroner is a cost discount for market-rate customers, which means that your costs are less overall – and the less you pay in costs, the more money goes to your savings and your future pension.
The amount of VellivKroner depends on your total pension savings at Velliv on 31 December the year prior to the allocation. In order to receive VellivKroner, your agreement must still be in force on the allocation date.
VellivKroner is provided as a reimbursement that is credited to your pension scheme at the time of allocation. The amount is invested together with the rest of your savings and taxed the same way as your investment return.
If circumstances change, Velliv may choose to discontinue or adjust the VellivKroner model.
If you have savings placed in a mean-interest rate product (Pension med Gennemsnitesrente or pure HøjrentePension) or in Livrente+Invest, you may be elligible for bonus from Velliv Foreningen (the Velliv Association).
Customers who have both market-rate and mean-interest rate products, may be elligible for both VellivKroner from Velliv and bonus from Velliv Foreningen.
| Products | VellivKroner | Bonus from Velliv Foreningen |
|---|---|---|
| VækstPension Aktiv | x | |
| VækstPension Aftryk | x | |
| VækstPension Index | x | |
| LinkPension | x | |
| VækstOpsparing | x | |
| VækstPension Garanti, Aktiv | x | |
| VækstPension Garanti, Index | x | |
| Pension med Gennemsnitsrente | x | |
| HøjrentePension | x* |
*If you have both HøjrentePension and either VækstPension, LinkPension, or VækstOpsparing under the same agreement, you will receive VellivKroner.