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.
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.
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!
We manage your savings and risk level.
You manage your own investments and risk.
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.
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.
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:
You can deduct up to DKK 65,500.00 (2025) per year in contributions.
You can deduct all your contributions to your pension, regardless of how much you contribute.
You do not receive tax deductions while saving. However, you will not have to pay taxes when the savings are disbursed.
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.
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