Savings scheme in a mutual fund

Create a savings scheme in the mutual fund and let savings take place automatically

Probability of better returns than on account
Easy to create in online bank and the Spare app
Risk mitigation by ensuring against the wrong purchase date

Benefits of establishing a savings scheme in a fund

A savings scheme in a fund is great for you with a long-term savings goal. The advantage of saving long-term in mutual funds is the likelihood of a better return than in an account.

The values of a fund will fluctuate more along the way, but the return on returns on average will normally be higher in a fund than in an account after 6-7 years. There are several types of mutual funds to choose from, such as fixed-income fund, equity fund or balanced fund which contains both interest rates and share.

With a savings scheme, you don’t need to worry about when it’s right to invest. You buy both when the price is high and when it is low. As a result, you usually get a good average price.

How to create a savings scheme in a fund

You can create a savings scheme in the online bank as follows:

Log in to the online bank
Select "Save and invest" in the menu 
then “buy a fund” 
Select a fund you want to save in, for example DNB Global Index A
Click on the fund, select “fixed savings” and enter the amount 
Click “purchase” and then enter a deduction account and date

You can also create a savings scheme in the Spare app. If you’ve downloaded the app, you can easily set up savings scheme in mutual funds and get a good overview of the developments.

Find fund

Mutual funds that scored six out of six

See which DNB funds have got six of Your Moneys.

See funds with a net cast of six

The Spare app

The easiest way to buy a mutual fund is in the Spare app.

How much do women and men save on average in savings scheme in mutual funds per month in DNB?

Age	Women	Men
20-29 years	1475	2305
30-39 years	2190	2961
40-49 years	2243	3091
50-59 years	2147	3103

The figures show the average of the sum of savings scheme transfers in mutual funds per customer, grouped by gender for january 2024. On average, women have 2.1 savings contracts, men have 2.3 savings contracts.

Create and change savings scheme in the Spare app

Frequently asked questions and savings schemes in mutual funds

What is a mutual fund?

A mutual fund is a collection of securities that are put together as one package. You can buy shares in the mutual fund. The portfolio manager uses the money you and other mutual fund savers put into the fund to buy securities for the fund.

A mutual fund can own from 16 to several hundred different securities.
A mutual fund can buy shares, bonds and other fixed-income securities.
The higher the proportion of shares there are in a mutual fund, the higher the risk and return you can expect.
The risk and the possible returns are lower the more fixed-income securities there are in a mutual fund.
What is the risk associated with saving funds?

There are different types of mutual funds.

Equity fund

An equity fund is a mutual fund where a minimum of 80 per cent of the unit holder’s money is invested in the stock market.

Read more about balanced funds

How much do I need to save?

What affects the risk in different funds?

How high or low risk you have in a fund depends on the following: 

The types of securities the fund invests in: Interest rate securities normally have the lowest risk and share are normally the highest risk. 
How many securities the fund invests in: The more securities, the lower the risk. For example, a mutual fund that invests in 20 companies has a much higher risk, one that spreads the investments of 200 companies. 
The industries and type of companies that are invested in: For example, a new technology company that still does not earn money is much more risky as an investment than Apple, which already has customers and earns money today.

Can I have a savings scheme in different mutual funds?

What is the risk of saving in mutual funds?

Many people associate the word risk with something dangerous, but the word ‘risk’ in the share market is just a way of saying that the values can fluctuate.

High risk is a way of saying that the value of a share, or a market, can fluctuate a lot.

Low risk is a way of saying that the value is more stable in normal circumstances.

High risk means the possibility of both larger losses and larger gains.

How can I buy a mutual fund?

As a beginner, it’s a good idea to choose a index fund. An index fund is widely invested and thus has a good risk diversification for the investments.  

Before you choose a mutual fund, you should read a little about what you’re curious about, so you know what you’re buying. 

 Here you can read a little about our various index funds. Click on the fund name and see which market it is investing in, what kind of companies (under the “portfolio”), what the strategy is going forward and how it has gone so far. All funds have corresponding information pages. 

NB: The value of an investment in a mutual fund goes both up and down, you may have years with absolutely fantastic returns and years with really poor returns. Nevertheless, if you save over several years, the probability of a better return than in the bank account is very high. You should therefore have peace to sit through stock market falls. If you sell after a stock market fall, you can lose money on your investment. We recommend a savings horizon of at least six years. Historical returns are no guarantee of further positive development, and how a fund develops in the future depends on the manager’s expertise, markets, prices and other conditions.   