Pensjonskonto Flex

How do I set up a Pensjonskonto Flex?

You can set up a Pensjonskonto Flex agreement under ‘My pension’ in The Spare app. The Spare app is only available on mobile and tablets. Remember to download the latest version of the app. It may take some time for the money to arrive.

When do I choose which mutual funds or pension profile I want in a Pensjonskonto Flex?

When you create a Pensjonskonto Flex in the Spare app, you can choose which mutual fund or pension profile you want.

Then you can choose what’s best for you from a wide selection of pension profiles and competitive mutual funds. When the money is in place, you can see details of the agreement and change your investment options.

• A larger investment universe provides the opportunity for better returns

• Your pension and savings collected in one place in the Spare app

What investment options do I have in my Pensjonskonto Flex?

You can choose what is best for you from a wide selection of pension profiles and competitive mutual funds.

See which funds you can choose from here

What amount is transferred to my Pensjonskonto Flex?

The employer will transfer a fixed savings amount to your pension account every month. The amount is determined by your salary and the employer’s agreement. In addition, compensation will be transferred for the management fee the employer would have paid for you.

How much is the compensation from the employer when choosing Pensjonskonto Flex?

The amount corresponds to the management fee the employer would pay for you in a start-up profile with their pension provider. If your employer has a defined-contribution pension agreement with DNB, you will find information about your compensation rate under ‘My pension’ in the online bank and in The Spare app. Log in with BankID from your bank.

You also get information about your compensation rate when setting up a Pensjonskonto Flex in the Spare app.

Who pays the cost of the Pensjonskonto Flex?

You are responsible for covering the management fees of your Pensjonskonto Flex. If you choose a more expensive level of management than the compensation from the employer covers, you will need to cover the additional cost. If you choose a less expensive management level, the difference will accrue to you in the form of increased pension savings. You are responsible for comparing costs before you set up Pensjonskonto Flex.

See the price list for the Pensjonskonto Flex

What if I have a Pensjonskonto Flex and my employer changes pension provider?

You will receive information about the employer’s new agreement, but the move will not affect you. You have made your choice, but you can move back to the employer’s agreement at any time.

What if I have a Pensjonskonto Flex and fall ill?

Irrespective of which choice you make for your pension savings, you are covered by your employer's agreement should you become ill.

When can I start receiving payments from my Pensjonskonto Flex?

You can choose when you want to start receiving disbursements, but the earliest you can start is when you reach the age of 62. The payout must last for a minimum of 10 years and until you are at least 77 years old.