Your pension savings are important. The day you stop working is the day you start living full time. And as you are no longer working you need another source of income in order to afford it. Pension savings can give you that. Because to continue living to the standard that you are accustomed to, a state pension is not enough. But if you get started well in advance, you can sit back and let compound interest work for you and ensure that you can afford to live comfortably for the rest of your life.
By making pension savings available to your employees, you are offering them financial security to live the life they want on the day they leave to go on pension. You can ensure that all your employees can afford to live comfortably for the rest of their lives and give them the confidence to look forward to growing old.
Okay. What you are about to read now seems rather dry, especially compared to some of our earlier comments, but it is also rather important. So do yourself a favour and hang on a little longer. We promise to keep it short and speak in a language you understand.
At Grandhood, we have three investment products for you to choose from. They are called Index, Aftryk and Aktiv. They have their similarities, but also some significant differences. One of their similarities is that they are all responsibly invested. This means that you do not invest in companies that produce illegal weapons, offer tax evasion, or extract coal and oil sands. We outline their differences briefly below. If you need to know more, you can of course ask us.
Traditional investment
Aktiv is an investment product that is actively managed, and thus builds on the traditional way of investing pension savings. The fact that the investments are actively managed means that the market is constantly being monitored, so should new opportunities arise that can give a higher return, your pension savings can quickly be invested in them.
The sustainable choice
Aftryk is our sustainable investment product. It is for those who would like to help sustainable development. Here, all the investments are ESG-screened, which means that we opt out of investing in fossil fuels, tobacco, alcohol, weapons, gambling, and pornography. This also means that you achieve a significant CO2 reduction compared to other investment products.
Low costs
Index is an investment product with a focus on keeping costs down and at the same time ensures you as high a return as possible. If you choose Index, your pension savings will be invested in an index. In short, an index is a way of grouping stocks or bonds. Investments in Index ensure a good spread of risk, which reduces the chance of large fluctuations. Investments are made in five stock indices and five bond indices.
"Women’s pension assets are less than men’s. We will do our part to close that gap."
Mie Ejdrup
Co-Founder & CCO
Læs historie →So far so good. Once you know how your pension savings are to be invested, you must choose an investment profile. It indicates the balance between return and risk.
This means that you must choose how risky the investments will be. The risk you choose also has an influence on the return you can expect. And don't worry, we'll give you a personal recommendation on what to choose. We do this based on a series of questions we ask you when you register. But regardless of which investment profile you choose, your pension savings will of course be responsibly invested.
It is important to point out that whatever investment profile you choose, it will be automatically adjusted down, so that your pension savings will be more safely invested as you approach your retirement age. In this way, you will not experience large fluctuations immediately before you retire and go on pension. With this peace of mind, it is easier to sleep well at night.
The safe choice
If you choose Lower, your pension savings will be more securely invested, but you will also have a lower expected return. However, if the very thought of risk keeps you awake at night, Lower is the investment profile that gives you both peace of mind and a good night’s sleep.
Risk diversification
45% shares / 55% bonds
Solid returns and moderate fluctuations
If you choose Balanced, you choose an investment profile with a carefully balanced ratio between a good, expected return and a balanced risk. This means that you will have a good mix between safer investments that give a lower expected return and other riskier investments that conversely give a higher expected return.
Risk diversification
70% shares / 30% bonds
The largest expected return.
If you choose Higher, you will have the highest expected return, but also the highest risk. Of course, this does not mean that all your retirement savings are invested in Bitcoins and Tesla. Your pension is still responsibly invested with good risk diversification. But you will be able to experience greater fluctuations - both up and down.
Risk diversification
100% shares
*The investment of your pension follows the development of the market, and therefore it can go up and down, but typically in the long run it will go up.
*Historic returns are not a guarantee of future returns.
We’ve built the pension of tomorrow with the support of Velliv. Velliv is Denmark’s third largest pension company and is 100% customer owned.
When you’ve got pension with Grandhood, you’ve got pension with Velliv.
Copenhagen FinTech Lab
Applebys Plads 7
1411 Copenhagen K
support@grandhood.dk
+45 71 74 74 77
Monday - Thursday 9.00 am - 4.00 pm
Friday 9.00 am - 4.00 pm
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Your pension savings are important. The day you stop working is the day you start living full time. And as you are no longer working you need another source of income in order to afford it. Pension savings can give you that. Because to continue living to the standard that you are accustomed to, a state pension is not enough. But if you get started well in advance, you can sit back and let compound interest work for you and ensure that you can afford to live comfortably for the rest of your life.
By making pension savings available to your employees, you are offering them financial security to live the life they want on the day they leave to go on pension. You can ensure that all your employees can afford to live comfortably for the rest of their lives and give them the confidence to look forward to growing old.
Okay. What you are about to read now seems rather dry, especially compared to some of our earlier comments, but it is also rather important. So do yourself a favour and hang on a little longer. We promise to keep it short and speak in a language you understand.
At Grandhood, we have three investment products for you to choose from. They are called Index, Aftryk and Aktiv. They have their similarities, but also some significant differences. One of their similarities is that they are all responsibly invested. This means that you do not invest in companies that produce illegal weapons, offer tax evasion, or extract coal and oil sands. We outline their differences briefly below. If you need to know more, you can of course ask us.
Traditionel investering
Aktiv er et investeringsprodukt, der bliver aktivt forvaltet, og dermed bygger det på den traditionelle måde at investere pensionsopsparinger på. At investeringerne er aktivt forvaltet betyder, at der hele tiden bliver holdt øje med markedet, så skulle der opstå nye muligheder, som kan give et højere afkast, vil din pensionsopsparing hurtigt kunne blive investeret heri.
Det bæredygtige valg
Aftryk er vores bæredygtige investeringsprodukt. Det er for dig, der gerne vil hjælpe den bæredygtige udvikling. Her er alle investeringerne ESG-screenet, og det betyder, at vi fravælger investering i fossile brændsler, tobak, alkohol, våben, spil og pornografi. Det betyder også, at du opnår en markant CO2 reduktion sammenlignet med andre investeringsprodukter.
Lave omkostninger
Index er et investeringsprodukt med fokus på at holde omkostningerne nede og samtidig sikrer dig så højt et afkast som muligt. Vælger du Index, bliver din pensionsopsparing investeret i indeks. Et indeks er kort sagt en måde at gruppere aktier eller obligationer på. Investeringer i indeks sikrer en god risikospredning, der mindsker chancen for store udsving. Der bliver investeret i fem aktieindeks og fem indeks for obligationer.
"Kvinders pensionsformue er mindre end mænds. Det gap vil vi gøre vores for at lukke."
Mie Ejdrup
Co-Founder og CCO
Læs historie →Så langt, så godt. Når du ved, hvordan din pensionsopsparing skal investeres, skal du vælge investeringsprofil. Den angiver balancen mellem afkast og risiko.
Det betyder, at du skal vælge, hvor risikobetonet investeringerne må være. Den risiko, du vælger, har samtidig indflydelse på, hvilket afkast du kan forvente. Og bare rolig, vi skal nok give dig en personlig anbefaling om, hvad du skal vælge. Det gør vi på baggrund af en række spørgsmål, vi stiller dig, når du tilmelder dig. Men uanset hvilken investeringsprofil du vælger, er din pensionsopsparing selvfølgelig ansvarligt investeret.
Det er vigtigt at påpege, at uanset hvilken investeringsprofil du vælger, bliver den automatisk nedjusteret, så din pensionsopsparing vil være mere sikkert investeret, når du nærmer dig din pensionsalder. På den måde vil du ikke opleve store udsving umiddelbart før din pension. Så kan du have ro i maven, og sove godt om natten.
Det sikre valg
Vælger du Lavere, vil din pensionsopsparing være investeret mere sikkert, men du vil samtidig også have et lavere forventet afkast. Dog kan man ikke sætte pris på, hvad det koster at sove godt om natten, så får du ondt i maven bare ved tanken om risiko, er Lavere måske investeringsprofilen for dig.
Risikospredning
45% aktier / 55% obligationer
Solide afkast og moderate udsving
Vælger du Balanceret, vælger du en investeringsprofil med et nøje afstemt forhold mellem et godt forventet afkast og en afvejet risiko. Det betyder, du vil have en god blanding mellem mere sikre investeringer, der giver et lavere forventet afkast og andre mere risikobetonede investeringer, der omvendt giver et højere forventet afkast.
Risikospredning
70% aktier / 30% obligationer
Det største forventede afkast
Vælger du Højere, vil du have det størst forventede afkast, men også den største risiko. Det betyder selvfølgelig ikke, at hele din pensionsopsparing er investeret i Bitcoins og Tesla. Din pension er stadig ansvarligt investeret med god risikospredning. Men du vil kunne opleve større udsving - både op og ned.
Risikospredning
100% aktier
*Investeringen af din pension følger markedets udvikling, og derfor kan det gå op og ned, men typisk vil det i det lange løb gå op.
*Historiske afkast er ikke en garanti for fremtidige afkast
Vi har bygget morgendagens pensionsløsning med Velliv i ryggen. Velliv er Danmarks tredjestørste pensionsselskab og 100% kundeejet.
Når du har pension hos Grandhood, har du pension hos Velliv.
Copenhagen FinTech Lab
Applebys Plads 7
1411 København K
CVR-nr. 38300660
support@grandhood.dk
+45 71 74 74 77
Mandag - torsdag kl. 09.00 - 16.00
Fredag kl. 09.00 - 15.00
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