Dorthe Bach
Denmark
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Articles by Dorthe Bach
Centralt tema i valgkampen kan give hovedbrud i pensionssektoren efter folketingsvalget
Det kaster ekstra arbejde i pensionssektoren af sig, når og hvis politikerne i Folketinget vælger at skrue på pensionssystemet.
Minister står fast på regler om deling af pensioner ved skilsmisse
Der er ingen grund til at ændre grundlæggende på reglerne for, hvordan et ægtepar deler deres pensionsformuer ved en skilsmisse.
Overblik: Aktører ser behov for at få kigget på "urimelige" pensionsregler
Jeg ønsker at modtage tilpassede nyhedsbreve på e-mail fra Watch Medier A/S herunder information om vores brands og koncernforbundne selskaber , konferencer, kurser, netværk, konkurrencer og digitale tjenester. Med mit samtykke accepterer jeg også behandling af mine persondata, og at der indsamles information om min interaktion med markedsføringsmeddelelser (såsom åbning og læsning) ved hjælp af tracking pixels og lignende teknologier. Læs mere i vores privatlivspolitik og cookiepolitik .
Arbejdsmarkedets parter står med svær skilsmisse-nød: "Det er et mangehovedet uhyre"
Jeg ønsker at modtage tilpassede nyhedsbreve på e-mail fra Watch Medier A/S herunder information om vores brands og koncernforbundne selskaber , konferencer, kurser, netværk, konkurrencer og digitale tjenester. Med mit samtykke accepterer jeg også behandling af mine persondata, og at der indsamles information om min interaktion med markedsføringsmeddelelser (såsom åbning og læsning) ved hjælp af tracking pixels og lignende teknologier. Læs mere i vores privatlivspolitik og cookiepolitik .
Politisk flertal tegner sig for opgør med pensionsregler ved skilsmisse
Jeg ønsker at modtage tilpassede nyhedsbreve på e-mail fra Watch Medier A/S herunder information om vores brands og koncernforbundne selskaber , konferencer, kurser, netværk, konkurrencer og digitale tjenester. Med mit samtykke accepterer jeg også behandling af mine persondata, og at der indsamles information om min interaktion med markedsføringsmeddelelser (såsom åbning og læsning) ved hjælp af tracking pixels og lignende teknologier. Læs mere i vores privatlivspolitik og cookiepolitik .
Grundpension vil blive i førertrøjen i danskernes pensionsindkomst i årtier endnu
Både brancheorganisationen F&P og ATP spår dog større rolle til arbejdsmarkedspensioner i fremtidens pensionisters økonomi. Omkring tre ud af fire kroner, som ruller ind på kontiene hos landets pensionister, kommer fra grundpensionen i form af bl.a. folkepension og ATP. Og sådan vil virkeligheden se ud også i mange år fremover. * Fortsætter som løbende abonnement og faktureres årligt. Kan efter 5 måneders abonnement opsiges med 1 måneds varsel til udgangen af en måned.
Højere pensionsalder øger risiko for overopsparing - i teorien
Ifølge pensionsdirektør er et års ekstra opsparing som resultat af forhøjet folkepensionsalder ikke ”markant”, men giver dog grobund for større opsparinger. , Hvis du er født efter 1. januar 1971, skal du indstille dig på, at du tidligst kan modtage folkepension som 70-årig.
ATP posts decline in assets in Q1
Denmark’s largest pension fund, ATP, now manages assets worth DKK 689bn (EUR 105.28bn). The start of 2025 has been tough for one of Denmark’s statutory pension fund ATP, which manages pension savings on behalf of 5.7 million Danes.
AkademikerPension to join AP Pension's defense investments
Danish pension fund AkademikerPension is ready with ”a nice triple-digit sum in DKK millions” for the construction of barracks for the Danish defense. Danish pension company AP Pension is no longer alone in its ambitions to build barracks for the Danish defense. Compatriot pension fund AkademikerPension is now also entering the field.
ATP drops veil and reveals disputed bonus scheme
In March, Denmark’s statutory pension fund, ATP, justified dropping the disclosure of bonuses to employees in its private equity fund by saying that there is no requirement to disclose it. Denmark’s largest pension fund, ATP, is now revealing what a small group of employees have received in bonuses by managing the private equity fund ATP PEP, writes Danish business daily Børsen.
Sampension and Folksam criticize new fossil fuel strategy at Equinor
Norwegian energy group Equinor’s new fossil fuel growth strategy does not harmonize with the Paris Agreement, according to the Nordic pension funds. The Nordic pension funds Sampension and Folksam are far from satisfied with a fossil fuel growth strategy developed by Norwegian energy company Equinor.
Sampension wants Equinor to explain new fossil strategy to shareholders
Norwegian energy group Equinor’s new strategy for fossil fuel growth does not harmonize with the Paris Agreement, according to several pension investors. The Nordic pension companies Sampension and Folksam are far from satisfied with a fossil fuel growth strategy developed by Norwegian energy company Equinor.
Former senior executive at Danske Bank and Nykredit jumps across the Atlantic: "I hope it will be rewarding"
Five years ago, Sune Mortensen left work at Danish banks to instead join global finance. He will soon be living in New York to take on the job as global head of the London Stock Exchange Group. Right now, life is full of loose ends for Sune Worm Mortensen and his family. But hopefully, on the other side of the summer vacation, they will be together again.
ATP finalizes strategic review team, drawing on Norway Oil Fund experience
Two foreign profiles will help the former director of the Danish FSA, Jesper Berg, evaluate ATP’s investment strategy. They have previously evaluated the Norwegian Oil Fund. Danish statutory pension fund ATP has now designated all members tasked with evaluating the fund’s investment strategy.
Investor warns that ATP model could make things worse for Danish equities
The investment model of Denmark’s largest pension fund could mean a sellout of Danish equities and potentially worsen the current stock downturn. The construction of Denmark’s largest money bin, ATP, could potentially make the downturn in the Danish stock market worse than it already is as financial markets around the world react to US President Donald Trump’s decision to impose high tariffs.
Trump's tariff hammer hits amidst PFA's update: "We're moving slowly"
Three days ago, Denmark’s largest private pension company, PFA, announced a change in investment design behind the company’s market rate products. US President Donald Trump’s new tariffs, presented on Wednesday evening CEST, hit an already busy time at Denmark’s largest commercial pension company, PFA.
PFA to raise equities exposure for 810,000 customers amid stock market turmoil: "The decision is made"
On April 1, Denmark’s largest commercial pension company, PFA, launches an announced change of savings profiles. The execution of this change will be stretched throughout the year. Although financial markets are far from optimal right now as investment safe havens, such turmoil is no deterrent for Denmark’s largest commercial pension company, PFA.
Layoffs in Danish pension industry form part of a "cultural change"
Danish pension companies have become more business-driven rather than being ”protected workshops”, says Gert Nielsen, owner of the advisory company Bedstpension. PFA did it twice last year. AP Pension has done it twice within four months. And Velliv announced last week that it was time to lay off a total of 18 employees in its investment and IT departments.
Pension fund CEO has never seen a more complex investment world
For now, Sampension’s CEO, Hasse Jørgensen, expects to maintain the ability to generate returns for customers in 2025. But the situation is more complex than ever. Hasse Jørgensen has been professionally involved in investment throughout his working life. For the past 15 years, he has even held the title of CEO of the Danish pension company Sampension.
Business minister seeks to ease sustainability burdens in Denmark's EU presidency
The new rules on sustainability reporting are hampering the green transition, says Danish Minister of Industry, Business and Financial Affairs Morten Bødskov. It is too burdensome and difficult for businesses to comply with EU sustainability reporting rules, according to Danish Minister for Industry, Business and Financial Affairs Morten Bødskov.
Velliv and PFA have struggled with returns over the past five years
The Danish commercial pension firms Velliv and PFA have performed worse than their peers over the past five years, according to a comparison by the advisory company Bedstpension. While AP Pension performed poorly in terms of returns in 2024, the picture is less grim when measured over a five-year period.
Denmark's best pension firms delivered returns above expectations, while some destroyed value in 2024
Advisory company BEDSTpension analyzed the investment returns in 2024 from the Danish commercial pension companies. The heads of the investment departments at Nordea Pension and Danica can upgrade their Friday cava to champagne. On the other hand, Velliv and AP Pension may simply have to make do with plain water.
ATP's assets shrank in Q4
The Danish statutory pension fund delivers a result marked by interest rate fluctuations. Danish statutory pension fund ATP’s assets under management declined during the final three months of 2024 . At the end of the year, ATP managed assets of DKK 718bn (EUR 96bn), which is a decrease compared to the DKK 725.2bn (EUR 97.2bn) managed by the pension fund at the end of the third quarter of 2024.
Analysis: External review could decide decades-long struggle over ATP
Years of criticism of ATP’s investments have made the pension fund realize that external reviewers must be brought in. The goal must be to ensure the best possible outcome for Danish pension savers. The cheers that must have emanated from Copenhagen Business School (CBS) on Friday afternoon may have been heard all the way to Hillerød in northern Zealand, where the pension fund ATP is based.
PFA's CIO expects 2025 to be "more middle of the road"
Denmark’s largest commercial pension company, PFA, expects a year of both geopolitical unrest and risks tied to implementing a new pension design, its CIO says. PFA Chief Investment Officer Kasper A. Lorenzen expects that 2025 will in many ways resemble 2024 when it comes to investments – however, with a little more risk and less high expectations for returns.
Top performing 2024 pension return beats bottom by more than double
In the Danish pension market, barely 10 percentage points separate the top and bottom scorer in returns on medium-risk market rate products with 15 years to retirement. by DORTHE BACH, SIF BJØRK PEDERSEN With an average return of 11.9% for pension savers with moderate risk and 15 years to retirement, 2024 proved to be a well above average investment year.
Media: Northvolt is still waiting for financial rescue package
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Pension firm drops proposal for mining giant's AGM
The world’s largest mining company, BHP, will not be met by a shareholder proposal from Danish pension company PFA at the upcoming annual general meeting (AGM) on Oct. 30, writes Danish business daily Børsen. Already a subscriber?Log in here Get access for 14 days for free. No credit card is needed, and you will not be automatically signed up for a paid subscription after the free trial.
Danish pension sector to inspire and be inspired at climate week in New York
Denmark has something to offer and something to learn in New York during the UN Climate Week, says the Danish trade association for insurance companies and pension funds. Tom Vile, vice president of climate at the Danish trade association for insurance companies and pension funds, Insurance and Pension Denmark, is among the Danish pension professionals currently in the city of New York to participate in the UN’s annual Climate Week NYC.
PBU has completed the same equity increase that PFA is planning: “It is good business”
Denmark’s largest commercial pension company, PFA Pension, is far from alone in seeing sense in adding more shares to investment profiles, as the pension company announced it was doing last week.
PFA to reduce equities in customer portfolios earlier than before
PFA’s 800,000 customers with a market rate product will get a higher amount of equities in their investment portfolios, but the pension provider will start reducing the proportion of shares earlier than before.
ATP's H1 return fails to impress critics looking for oil fund model
Two things in particular stand out for Jesper Rangvid, professor at Copenhagen Business School, in the financial statements that Denmark’s statuary pension fund presented on Wednesday.
ATP delivers negative return on investment portfolio in Q2
At the end of the second quarter of the year, ATP managed assets totaling DKK 693.3bn (EUR 92.9bn). This is a decrease from the DKK 710bn (EUR 95bn) managed by the pension fund at the end of the first quarter of this year.
Different promises to customers result in vastly different returns in Danish pension sector
There is a big difference between what commercial pension funds such as PFA, Danica and Velliv have promised their average pension customers compared to what has been promised by occupational pension funds such as PKA and Akademikerpension. And this is reflected in the returns that have been generated for customers.
Flere syge danskere vanskeliggør pensionsselskabernes mål om økonomisk balance i sygeforsikringer
Pensionssektoren har en klar ordre fra Finanstilsynet om at få skabt balance i forretningsbenet for syge- og ulykkesforsikringer. Det er svært, når danskerne i stigende grad bliver ramt af sygdom. af THOMAS NYGAARD MADSEN, DORTHE BACH Siden indgangen til 2022 har særligt de kommercielle pensionsselskaber haft et klart mål at sigte efter. At kunne melde om balance i alle selskabernes forretningsben. Sådan lyder ordren fra Finanstilsynet. Allerede abonnent?Log ind her Få adgang i 14 dage for 0 kr.
De yngste og de ældste driver stigning i udbetalinger for tab af erhvervsevne
Det er hverken let at være ung eller gammel, når det gælder om at kunne håndtere arbejdslivet. Det viser tal fra brancheorganisationen Forsikring & Pension (F&P).
Appetite for equities has been crucial in battle for pension returns in H1
An equity share of 84% is the main reason why Danish teachers made a return of 11.1% in the year so far, if they were invested in a medium-risk market rate product with 15 years to retirement through the pension fund PBU.
Best H1 pension returns almost double the worst as liquid assets come through
The educators in Denmark can look forward to a great return on their pension savings in the first six months of the year, according to a report by pension researcher and analyst Nikolaj Holdt Mikkelsen.
Pensions broker expects to add DKK 3bn to assets under advisement
The bottom line at pension brokerage company APC, which focuses primarily on the private advisory market, performed slightly better in 2023 than in 2022, according to a recently published report.
Sampension calls for revival of public-private collaboration model
The once popular term PPP has become less popular in recent years. That’s a shame because the term, which is an abbreviation for public-private partnerships, is not so bad, says Hasse Jørgensen, CEO of Sampension.
Media: Alm. Brand initiates sale of energy business
When the insurance group Alm. Brand bought the insurance company Codan, a business unit with a specific focus on energy and wind was included in the acquisition. This unit is now up for sale, reports the industry media Insideforsikring.
ATP's bond-heavy strategy criticized, but long-term strategy is 64 times better than pure equities, says CIO
2022 was a bad year for ATP, Investment Director Mikkel Svenstrup readily admits.
ATP reports first quarter AUM drop
ATP, managed assets of DKK 710bn (EUR 95.2bn) at the end of Q1. This is a decrease of DKK 2bn (EUR 268m) from the DKK 712bn (EUR 95bn) that the pension fund managed at the end of 2023. “We’ve had a period characterized by significant capital gains on equities – and by rising interest rates. The former pulls up our results; the latter is something ATP is sensitive to, as we have a lot of bonds in the portfolio,” says ATP CEO Martin Præstegaard in a press release.
ATP CIO on huge AUM drop in 2022: "It's a cross I have to bear"
The fact that 2022 was an extremely bad year for ATP is well known by now. That 2023 wasn’t overwhelmingly positive is not news either.
Foreign holdings and security challenges in focus at Danish investment summit
Industry association Insurance and Pension Denmark (F&P) is hosting an investment summit in May in Copenhagen to raise awareness of the financial impact of having large parts of pension assets invested outside Denmark as well as of the dilemmas that come with it.
Lars Bo Bertram elected P+ chairman
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Storinvestor melder pas på kapitaltilførsel til Lunar
En ellers trofast støtte til fintech-banken Lunar har meldt hus forbi på at være med i den seneste kapitaltilførsel, skriver dagbladet Børsen. Allerede abonnent? Log ind. Få adgang i 14 dage for 0 kr. Det kræver intet kreditkort, og du vil ikke overgå til et betalt abonnement efterfølgende. Adgang til alle låste artikler Modtag vores daglige nyhedsbreve Fuld adgang til vores app Fornavn: Efternavn: Email: Password: Der skete en fejl. Prøv venligst igen senere Start et gratis virksomhedsprøveabonnement
Baglandet slår ring om ATP: "Ingen grund til at panikke"
Investeringsstrategien og ledelsen i landets største pengekasse ATP nyder fortsat støtte fra arbejdsmarkedets parter, der udgør fundamentet i pensionskassens bestyrelse og repræsentantskab. Allerede abonnent? Log ind. Få adgang i 14 dage for 0 kr. Det kræver intet kreditkort, og du vil ikke overgå til et betalt abonnement efterfølgende. Adgang til alle låste artikler Modtag vores daglige nyhedsbreve Fuld adgang til vores app Fornavn: Efternavn: Email: Password: Der skete en fejl.
ATP-direktør har vænnet sig til mandagstrænerne
Det kan være sin sag at stå i spidsen for landets største pengetank, når renterne stiger, aktierne falder, og sigtbarheden er grumset. Og pensionspengetanken ATP, der ved udgangen af 2023 forvaltede en formue på 712,2 mia. kr. på vegne af samtlige danske lønmodtagere, har da også været genstand for en del kritik de senere år. Allerede abonnent? Log ind. Få adgang i 14 dage for 0 kr. Det kræver intet kreditkort, og du vil ikke overgå til et betalt abonnement efterfølgende.
PFA melder om rekord i indbetalinger
Pensionsselskabet PFA kan melde om både tilgang af kunder og rekordhøje indbetalinger. Samlet lander pensionsselskabet et resultat før skat og overskudsdeling på 1,62 mia. kr. I 2022 lød resultatet på 200 mio. kr. Særligt når det gælder indbetalinger, kan PFA melde om tilfredshed. 52 mia. trillede i løbet af 2023 ind på fra kunderne. ”2023 var et godt økonomisk år for vores kunder og dermed også for PFA.
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