{"id":850,"date":"2024-11-16T14:42:11","date_gmt":"2024-11-16T14:42:11","guid":{"rendered":"https:\/\/www.liv.fo\/?page_id=850"},"modified":"2025-07-04T13:08:13","modified_gmt":"2025-07-04T13:08:13","slug":"savings-and-risk-profile","status":"publish","type":"page","link":"https:\/\/www.liv.fo\/en\/pension\/savings-and-risk-profile\/","title":{"rendered":"Savings and risk profile"},"content":{"rendered":"\n
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Saving and <\/strong>risk profile<\/h2>\n\n\n\n

Now you can choose the level of risk you want to have.<\/mark><\/strong><\/p>\n\n\n\n

The higher the risk level, the higher the expected return, but correspondingly, the risk is greater.<\/mark><\/p>\n\n\n\n

If you do nothing, you will remain at ‘mi\u00f0al’. We have solid experience and can advise you on all pension-related questions<\/mark><\/p>\n<\/div>\n\n\n\n

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Choose your risk profile<\/h3>\n\n\n\n

Everyone needs to save for their pension, and now you can choose the level of risk you want to have<\/mark><\/strong>.<\/p>\n\n\n\n

You can choose from five different risk levels. They range from low risk to high risk, and you can always change the risk level at no cost. The default is that all customers start with a ‘Medium’ risk level.<\/p>\n\n\n\n

In general, the more riskier investments, such as shares, fluctuate the most in value, but over time, shares provide higher returns. Bonds fluctuate less because the risk is lower, offering more stability in the investment portfolio.<\/p>\n\n\n\n

Whether the risk is high or low is related to whether the money is invested in shares or bonds. If you mix both shares and bonds, the allocation between them determines the risk.<\/p>\n\n\n\n

Choose a risk level that suits you.<\/strong><\/p>\n<\/div>\n\n\n\n

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What do I need to do?<\/strong><\/h5>\n\n\n\n

Contact us if you want to change to a different risk level, or if you want to learn more about your options. You can also choose a risk level that suits you and submit the form to us.<\/p>\n\n\n\n

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Shall we check your risk level?<\/p>\n \n

Let's talk<\/h5>\n \n\n<\/svg>\n <\/a>\n <\/div><\/div>\n<\/div>\n\n\n\n
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Low<\/h3>\n\n\n\n

It will be based on the fact that the saved value will be allocated to investments in the following way<\/mark><\/p>\n\n\n\n

55% bonds <\/strong>
45% shares and alternative investments<\/strong><\/p>\n\n\n\n

The profile has a relatively large proportion of bonds. The profile has limited risk, but also expects lower returns. When there are 15 years left until the pension is paid out, the investment risk decreases annually.<\/p>\n<\/div>\n\n\n\n

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Medium<\/h3>\n\n\n\n

It will be based on the fact that the saved value will be allocated to investments in the following way<\/mark><\/p>\n\n\n\n

23% bonds
77% shares and alternative investments<\/strong><\/p>\n\n\n\n

The profile is between ‘Vari\u00f0’ and ‘H\u00f8gt’ risk levels. Therefore, the expected return and risk are also between those mentioned profiles. When there are 15 years left until the pension is paid out, the investment risk decreases annually.<\/p>\n<\/div>\n\n\n\n

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High<\/h3>\n\n\n\n

It will be based on the fact that the saved value will be allocated to investments in the following way<\/mark><\/p>\n\n\n\n

15% bonds
85% shares and alternative investments<\/strong><\/p>\n\n\n\n

The profile has the largest proportion of shares and other investments. The profile has a high expected return, but also a high level of risk. When there are 15 years left until the pension is paid out, the investment risk decreases annually.<\/p>\n<\/div>\n\n\n\n

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Shares<\/h3>\n\n\n\n

It will be based on the fact that the saved value will be allocated to investments in the following way<\/mark><\/p>\n\n\n\n

100% shares<\/strong>
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The profile only has shares and other investments. Therefore, the profile has the highest expected return, but correspondingly also the highest risk. The risk does not decrease, regardless of how many years are left until the payout<\/p>\n<\/div>\n\n\n\n

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ESG<\/h3>\n\n\n\n

It will be based on the fact that the saved value will be allocated to investments in the following way<\/mark><\/p>\n\n\n\n

40% bonds<\/strong>
60% shares<\/strong><\/p>\n\n\n\n


The investment strategy has a composition of bonds and shares, where all investments are based on an ESG (Environmental, Social, and Governance) approach. This means that the investments support environmental, social, and governance sustainability issues. When there are 15 years left until retirement age, the investment risk decreases annually.<\/p>\n<\/div>\n<\/div>\n\n\n\n

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The risk decreases as retirement age approaches.<\/h3>\n\n\n\n

The risk will decrease 15 years before retirement age. The proportion of shares decreases annually to reduce the risk as you approach retirement age, and the proportion of bonds increases accordingly.<\/p>\n\n\n\n

The risk with 100% shares does not decrease as you approach retirement age<\/p>\n<\/div>\n\n\n\n

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