{"id":4216,"date":"2026-03-10T14:54:04","date_gmt":"2026-03-10T14:54:04","guid":{"rendered":"https:\/\/www.liv.fo\/?p=4216"},"modified":"2026-03-10T14:54:06","modified_gmt":"2026-03-10T14:54:06","slug":"information-about-2025","status":"publish","type":"post","link":"https:\/\/www.liv.fo\/en\/information-about-2025\/","title":{"rendered":"Information about 2025"},"content":{"rendered":"\n<h6 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-orange-color\">2025 Was a Challenging Year in the Financial Markets<\/mark><\/h6>\n\n\n\n<p>In 2025, the performance of almost all investment groups was satisfactory.<\/p>\n\n\n\n<p>However, global equities performed worse, and since this part makes up the largest share, it negatively affected the return in 2025.<\/p>\n\n\n\n<p>L\u00cdV is compared with Danish pension funds. A prerequisite for this comparison is that the investment composition of L\u00cdV and the Danish pension companies is similar. Therefore, three years ago L\u00cdV began updating its investment strategy, where the benchmark for comparison was based on a customer with medium risk and more than 15 years remaining until retirement age.<\/p>\n\n\n\n<p>Looking at the overall picture, these changes moved the results in the right direction\u2014especially in 2024, when the return for a customer with medium risk was above 10%. But in 2025, the performance of global equities was worse\u2014partly because the U.S. dollar weakened relatively significantly. This affected last year\u2019s return, which ended at 1.77% for a customer with medium risk. That is not satisfactory.<\/p>\n\n\n\n<p>L\u00cdV evaluates returns monthly, so the 2025 result did not come as a surprise to the company. This knowledge has led L\u00cdV to make changes to the investment composition. For example, the composition of the High Yield (corporate bond) investment group has been adjusted, and in 2025 L\u00cdV also began purchasing passive investment funds (index funds) that follow the market and partly hedge against U.S. currency risk.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-orange-color\">Investments in Real Estate<\/mark><\/h6>\n\n\n\n<p>In recent years, L\u00cdV has also invested in so-called \u201calternative investments\u201d, such as real estate or private equity. As the only pension fund in the Faroe Islands, L\u00cdV builds rental apartments, but it takes a long time to get this type of investment underway, and therefore they initially affect returns negatively.<\/p>\n\n\n\n<p>The company has a goal of building about 100 rental apartments by summer 2027. It is expected that 64 will be rented out by September 2026, while 22 apartments, built together with B\u00fasta\u00f0ir, have been on the market for about a year.<\/p>\n\n\n\n<p>However, these investments ensure value growth in pension savings over the long term and benefit Faroese society. Therefore, L\u00cdV is pleased to be an active participant in the Faroese housing market.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-orange-color\">Fundamental Differences<\/mark><\/h6>\n\n\n\n<p>The performance of selected global equity investment funds has not been as good as L\u00cdV had expected. As a result, in 2025 L\u00cdV also began purchasing passive investment funds that follow the market.<\/p>\n\n\n\n<p>However, there are some differences between L\u00cdV and its Danish competitors. This is shown in the 2025 evaluation and in the years before.<\/p>\n\n\n\n<p>One difference is that Danish companies hedge against currency risk in the U.S. dollar. L\u00cdV has not used this approach because it has a built-in cost. In the first half of 2025, this created a difference in returns of 2.9% compared with a company that hedged against currency risk.<\/p>\n\n\n\n<p>Another difference is that L\u00cdV\u2019s investments have not been as strongly tied to the M7 technology stocks.<br>M7 stands for the \u201cMagnificent 7\u201d and refers to shares in the American technology companies Alphabet, Amazon, Apple, Meta, Microsoft, Nvidia, and Tesla, which had unusually high returns in 2025.<\/p>\n\n\n\n<p>These stocks carry high risk because investments are concentrated in only a few companies. They make up more than one third of the S&amp;P 500 index, and if their value falls, the impact can be significant.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025 Was a Challenging Year in the Financial Markets In 2025, the performance of almost all investment groups was satisfactory. However, global equities performed worse, and since this part makes up the largest share, it negatively affected the return in 2025. L\u00cdV is compared with Danish pension funds. A prerequisite for this comparison is that [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4212,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-4216","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Information about 2025 - Tryggingarfelagi\u00f0 L\u00cdV<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.liv.fo\/en\/information-about-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Information about 2025 - Tryggingarfelagi\u00f0 L\u00cdV\" \/>\n<meta property=\"og:description\" content=\"2025 Was a Challenging Year in the Financial Markets In 2025, the performance of almost all investment groups was satisfactory. 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