Hi all,

I’m starting a new job, and my employer needs to select a pension fund on my behalf. I had been presented with the following options, and I need help choosing.

– Overføres ikke af Danløn (I guess this is the *no thanks, I’ll handle it myself* option)
– AP
– AkademikerPension
– Arkitekternes Pensionskasse
– Bankpension
– Børne- og Ungdomspædagoger
– Danica
– Dansk Erhverv
– Euro Accident Liv
– Funktionærpension 1
– Funktionærpension 2
– Grafisk Pension i Sampension
– Industriens Pension
– Jordbrugsakademikere og Dyrlæger
– Letpension
– Lærernes Pension
– PFA
– PKA
– Pen-Sam Liv
– PensionDanmark
– Pensions OFP
– Sampension
– Sampension – statsansatte
– Skandia Link
– Teknikum- og Diplomingeniør
– Topdanmark
– Velliv

I would imagine, the specific ones, such as *Akademiker* or *Arkitekternes Pension*, are available only to those employed in the corresponding fields. In case it makes a difference, my job is in IT (programmer).

Do you think there’s a comprehensive guide on this in English, similar to [what we have on buying property, by Mario Scian](https://marioscian.medium.com/buying-an-apartment-in-denmark-as-a-foreigner-all-you-need-to-know-b66a9876a13)?

Maybe there’s a tool that would let me chart the performance of these funds over the years? Or do these have some kind of an ISIN I could research? I found [this list which seems to have all/most of them](https://www.mastercardpaymentservices.com/denmark_/Documents/Informationsservice_/IN_Liste_modt_informationsmodtagere_DK.pdf), but it only has PBS numbers, which don’t seem to be universal.

Knowing how advanced Denmark is with the data and statistics sometimes, I would hope there’s something that helps here.

Please let me know. Thank you!

3 comments

  1. These aren’t funds but companies, so no they don’t have an ISIN.

    It’s kind of like asking if blackrock is better than Vanguard.

    They all offer different investment schemes depending on what risk you want. I’m afraid you’ll probably have to do a lot of research yourself. If there is any rule of thumb it’d be to pick whatever offers the lowest costs.

    There’s some stuff on this here but i’m sure you can google more.

    https://ib.dk/her-er-de-bedst-og-daarligst-drevne-pensionsselskaber/

    Eg. PFA which is a very big one used by many companies has costs of 0.9% which is not bad. Some are lower, some are higher.

  2. Sorry if this was a silly question. I’m new to all of this, and I need to make a decision quick. I’m not asking you guys to choose for me. Let me rephrase: I need some information on this in English. Anything that can serve as a starting point. Thank you.

  3. Personally I use AP and have been happy with them. They are also owned by their customers so they are not as keen to screw you over as others.

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