Deloitte Pension Managements recommendations

Have you made the necessary reflections on how to be covered in the best possible way, given your lifesituation?
On this site, you can read about which insurance coverages Deloitte Pension Management recommends.

Disability Insurance

We recommend that you receive your salary, minus health contributions and the portion you contribute to your pension savings, in the event of reduced work capacity. This recommendation is made to ensure your financial security, allowing you to focus solely on regaining your health.

Life insurance

In the event of death, we recommend that your beneficiaries receive an amount equivalent to 4 times your annual salary. We make this recommendation to provide your loved ones with financial and mental relief during a difficult transitional period, where issues such as housing replacement, loan repayments, school changes, etc., need to be addressed.

We always recommend that you tailor your insurance to your specific life situation, considering factors such as marriage, children, homeownership, and the like.

Critical illness

We recommend that you receive a sum of at least DKK 200,000 to create a financial buffer during a challenging time.

Savings

The goal of savings is to achieve the equivalent of a lifelong pension payout of 70% of your current salary. This will ensure a comfortable retirement, considering our longer life expectancy, increased activity levels, and higher expectations for pensions than ever before.

Investment

The aim of an investment is, of course, to secure a high return, as this is crucial for a substantial pension fund. Therefore, it is recommended to choose a fund with a high proportion of stocks. Historically, high equity allocations have delivered higher returns despite periodic fluctuations.