Eign – Aldurstengd is ideal if you want to be sure your savings are always invested in the option best suited to your stage of life.

Your investments are automatically adjusted as you get older, based on the recommendations of Gildi’s investment specialists. This helps ensure your savings are always invested in the option that best suits your needs.

How Eign – Aldurstengd works

With Eign – Aldurstengd, your investments are automatically adjusted as you get older. Until the age of 48, your savings are invested in Eign – 70/30, with 70% invested in equities and 30% in bonds.

As you get older, the balance gradually shifts from equities to bonds. By the age of 58, your savings are invested with 20% in equities and 80% in bonds.

Equities are generally recommended for long-term investing because, while their value can fluctuate more, they have historically delivered higher long-term returns than other asset classes.

As you get closer to retirement and to using your savings, it is generally recommended to reduce exposure to equities and increase the share invested in bonds. Bonds tend to fluctuate less while still offering attractive long-term return potential.