Investments and returns

Investments and risk

LÍV operates with a life-cycle system, which means that investments are made with consideration to how much time remains until your retirement age.

LÍV’s advice is that your investment risk should decrease as you approach retirement age, and this forms the basis for the company’s life-cycle system. The LÍV life-cycle system is composed of two investment categories, and the difference between the categories is the allocation between bonds and shares.

The chart on the right shows that if the age is 55 years, the retirement savings will be placed in the ‘higher risk’ investment category. However, if the age is 64 years, the customer will receive a weighted return between the ‘higher risk’ and ‘lower risk’ investment categories.

A life-cycle pension plan provides better opportunities to adjust the investment risk for each individual customer to achieve a better balance between age and investment risk.

The company’s investment policy is to diversify investments in such a way that the customer is not significantly affected if one investment or investment class does not provide satisfactory returns.

Ethical and socially responsible investments

We prioritize transparency and understand that it is important for you to understand how your pension is managed and how this affects your returns.

Every month, we publish market updates on our website, where you can read about the performance of our investments. Here, you can find insights into how the returns are performing and what trends characterize the financial markets.

As a customer, you also have access to our customer portal, where you can track your personal returns and TER (Total Expense Ratio).

We are always ready to provide you with the necessary information so that you can feel confident and informed about your pension savings