Self-selected pension account
A self-selected pension account is for you who want access to a broader investment universe.
Opportunity for better returns, you choose how your money is invested.
Wide range of pension profiles, with both active management and index-based management.
Large selection of competitive funds to choose from.
Annual cost from only 0.20 %
Choose a self-selected pension account with DNB
You will receive your own pension account for your defined contribution pension, and can choose how the funds are invested.
You pay the management costs yourself, but receive compensation from your employer. It is therefore important that you compare costs before choosing a self-selected pension account.
Do you already have a pension account with us?
A self-selected pension account is also suitable for you if you already have a pension account with DNB and wish to have more investment options than those offered by your employer.
Collect all your savings in one place!
Spare gives you an overview of all parts of your pension, that which your employer has saved for you and what you save yourself, all in one place. If you collect all the savings from us, you’ll get a better overview and can make good choices for your pension.
The Spare app is available to everyone, including people who are not DNB customers.
This is what pension account and self-selected pension account have in common:
- Both consolidate the defined-contribution pension from current and previous employers into one account
- You must be employed by a company with a defined-contribution pension scheme
- The funds are locked until retirement age
- You can make changes to unit-linked products
- You get an overview of your pension savings
Frequently asked questions about self-selected pension account
What does a self-selected pension account cost?
It costs nothing to establish a self-selected pension account. The management fee you pay will depend on how you wish to invest the money, and the current price list in DNB at any given time.
EU classification of mutual funds
The Sustainable Finance Disclosure Regulation (SFDR) came into effect in the EU on 10 March 2021. This has made it easier to compare financial products and services from a sustainability perspective, through uniform information and increased transparency.
The rules and legislation impose requirements on classifying mutual funds and pension profiles and include different categories depending on investment focus and how the fund is managed.
Pension Provider
The pension agreement is provided by DNB Livsforsikring AS (private limited company).
View terms and conditions for self-selected pension account (PDF)Open the file in a new tab
View fact sheet for self-selected pension account (PDF)Open the file in a new tab
Sustainability information in the pension profile
Historical returns are no guarantee of future returns. Future returns will depend, among other things, on market developments, the skill of the Portfolio Manager, the mutual fund’s risk, and the management costs. Returns may be negative as a result of mark-to-market losses.
Pensions
Saving for a pension
See how you can save for retirement
Pension profile
See the options and choose the pension profile that suits you
Move pension to DNB
Get a better overview and make good choices for your pension.
Own pension account
Everyone who has a defined-contribution pension gets their own pension account
Self-elected pension account
Self-selected solution for a pension account
Pensions calculator
Get an overview of what your pension disbursements will be
Individual pension savings (IPS),
Tied pension savings with deferred taxes
Pension capital certificate
Gather all your pension capital certificates in one place
paid-up policies
Read more about accrued pension benefits from former employers
Garanti Livrente
Tailor your own pension
Plan your pension
Read more about how you can plan your retirement
Survivor’s pension
Common name for payments made after a person is deceased
My pension
How to influence your pension - see our tips