Retirement insurance

On Regulations 3 and 4, you can establish a retirement insurance which is a savings scheme paid as a lump sum. If you die before the retirement sum has been paid to you, the sum is paid to your next of kin.

On Regulations 4, your 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.

Investment profiles

Payments to retirement insurance
In 2018, you can pay up to DKK 5,100 to the retirement insurance. Payment cannot be made through your employer - only as private contributions. Payments are not deductible in your personal income, on the other hand, the benefits are tax-exempt. 

Benefit payment 
The retirement insurance can be paid when you reach age 60 if the pension scheme is established before 1 May 2007.

Is the pension scheme established after 1 May 2007, the pension can be paid five years before the state pension age.

Is the pension scheme established after 1 January 2018, the pension can be paid three years before the state pension age. 

The retirement insurance can be paid at age 75 at the latest.