Get started

At PENSIONS, we strive to offer you easy and transparent access to your pension planning. We aim to provide the most manageable pensions platform for our members, and to ensure independence and transparency in all workflows and recommendations. On this page, you find information on how to get the most out of our platform. If you want to go straight to savings and investments, you can do it here..





WELCOME TO PENSIONS

Welcome to PENSIONS. When your employer enters into an agreement with PENSIONS to administer the company's pension offer to the employees, the employer and PENSIONS formulate an insurance and savings plan, which the company's employees enter. This means that you, as a PENSION member, from the very first day, and without further involvement on your part, participate in a well-organized pension scheme with an insurance and savings plan tailored to your workplace.

From day one, you can log in to your My PENSIONS account and see how much you have saved and what types of savings your savings are divided into. You can also, under My PENSIONS menu item "My coverage overview", get a complete overview of the insurance coverage that you have chosen as part of your pension plan.



YOUR INDIVIDUAL PLANNING

When you are well under way contributing to your plan with PENSIONS, you will be contacted by a pension advisor from the advisor selected by your employer. The advisor will, together with you, review your pension plan, and at the same time talk to you about individual wishes for both insurance and savings allocations. The advisor subsequently sets up your personal pension plan in accordance with the wishes that you have agreed upon.

You can read all about the different types of savings here and more about insurances, which are usually included in a pension plan here



INVESTING YOUR SAVINGS

As a starting point, and if you do not do further, your savings will be invested in accordance with the savings plan agreed with your workplace. For those who want to get involved in planning the investment of their savings, PENSIONS offers a range of options from a large selection of the strongest Danish and international investment associations.

If you want to see how your savings are invested, or if you want to change your investment strategy, you can log in to My PENSIONS and go to the menu item "My investment departments".

You should be aware that if you want to add new investments to your investment strategy, you need to select the investment departments and add them to your portfolio BEFORE logging in. You can see the investment opportunities from PENSIONS selection of investment funds here. You can also search for funds across associations and investment types here. f you want to change your investment strategy, it should be done in close collaboration with your advisor.




About savings       About insurance       Search investment department

  GET STARTED FAQ

You can find answers to frequently asked questions about PENSIONS below



Can I become a PENSIONS member without an employer ?

PENSIONS pension plans are offered to companies and their employees. In the future, we plan to be able to offer our savings and investment universe also for free savings deposits.

How do I contact my advisor ?

When you log in to your My PENSIONS page, you find the name of your advisor on the front page. The HR manager at your workplace can also tell you about your retirement plans, and can also inform you about who your advisor is. You are of course also always welcome to call our customer service.

Can my spouse / cohabitant create a savings through my scheme ?

No, the scheme is offered to employees of your company. However, you have the opportunity to insure your spouse / cohabitant and children through various insurance coverages.

How am I positioned upon resignation ?

When you resign from your position, your scheme will be converted into a premium-free agreement (paid-up policy after resignation). Here you have the following options:

- No continued deposit. Your risk coverage will cease and your pension savings will continue to be located in the selected funds. The running costs will be taken from your savings.

- Continued payment from new employer. Risk coverage continues on new terms, but at solidarity prices. Savings continue unchanged in the selected divisions.

- If you join a new employer who has their pension plans with PENSIONS, your cover will continue on the new terms agreed with the new employer.

- You can transfer your savings with PENSIONS to another pension company at any time.

What happens if I take leave or go on unpaid maternity leave ?

Your scheme will be converted into a premium-free agreement / paid-up policy at the start of your leave. Administration costs will be deducted from your deposit. You choose whether you want to maintain your risk coverage by deducting the cost of this from your depository.

Can I assemble all my pension schemes with PENSIONS ?

Yes, and you only pay administration costs for relocation (§41) one place. Gathering your pensions with one pension fund provides fewer costs and a better overview.

Use the digital §41 transfer form under My Approvals in My PENSIONS, or consult with your advisor how to do this. Always feel free to call PENSIONS customer service for any assistance.

How much do I get paid when reporting a critical illness ?

If you log in to your My PENSIONS page and go to the menu item "My coverages", you will get an overview of the sum sizes in your current coverages.

Why do I get logged out of My PENSIONS when I want to search for general fund information ?

To protect your data, you will be automatically logged out of My PENSIONS as soon as you access the general and non-personal pages on our platform. We have chosen to prioritise the security of your data by establishing this principle, even though it may sometimes be perceived as a minor inconvenience.



  We hope this "Getting Started" guide gives you a good overview of your engagement with PENSIONS. You are of course always welcome to contact our customer service if you have further questions. The HR manager at your workplace can also tell you about your pension plans, and can also inform you about who your advisor is.