Annuity certain

The annuity certain is an alternative savings scheme which is paid monthly for a minimum of 10 years. The payment is taxed as personal income.

The saved amount is paid to your next of kin if you die before the pension is paid. The payment is subject to a 40 % tax charge.

Regulations 4

On Regulations 4, you have the possibility of choosing between three investment profiles – Aktiemax, DIP Vælger and Obligationsmax respectively. Interest is payable at the rate of the pre-tax return of the chosen investment profile.

Optional savings scheme on Regulations 4

Investment profiles

Regulations 3

On Regulations 3, interest on the annuity certain is payable at the rate of DIP’s pre-tax return.

Optional savings scheme on Regulations 3

Payment

In 2016, the maximum tax deductible amount is DKK 52,400. If payment is made through your employer, you can increase the payment with the labour market contribution of 8 %.

Payment can be made to DIP's account in Danske Bank, sort code 3100, account no. 409 3666.

When can the annuity certain be paid?

You can have the annuity certain paid when you reach age 60 if the pension scheme is established before 1 May 2007.

If the pension scheme is established after 1 May 2007, the retirement pension can be paid five years before you are eligible for state pension.