Årsrapport 2022 godkendt 7. marts 2023 (eng) - Flipbook - Side 21
INDUSTRIENS PENSIONSFORSIKRING A/S ANNUAL REPORT 2022
OUTLOOK FOR 2023
Outlook for 2023
Members and contributions
In 2023, the number of members of Industriens
Pension paying via their employer is expected to
remain unchanged and the number of members
at the end of 2023 is expected to total around
438,000.
Total contributions, including contributions to
sickness and accident insurance, are expected
to amount to DKK 12.2 bn. in 2023.
target real rate of return has been set at 2.5% for
2023.
The Board of Directors sets the framework for
the composition of investments, and can leave
room for active management to increase returns.
Returns on the company's investment assets are
expected to amount to DKK 13.4 bn. before tax
on yields of certain pension-scheme assets.
Costs
Rate of interest on members' savings
Industriens Pension will continue its focus on
ensuring efficient administration of the pension
scheme in order to keep costs low. For 2023,
each member will pay DKK 24 per month to
cover administration costs.
The rate of interest on members' savings for
those who are still in the average-interest-rate
environment has initially been set at 2.5% per
annum after tax on yields of certain pensionscheme assets in 2023.
Investment costs vary with the investment
strategy selected and are expected to increase
in line with the increasing market value of
investments. The cost rate for 2023 relative to
investment assets is expected to remain at the
same level as in 2022.
Expected result for 2023
Profit for the year depends greatly on the return
achieved on the assets linked to equity. With the
assumptions applied regarding long-term
returns, a profit of around DKK 250 mill. is
expected for the financial year 2023.
Investment activities
Every year, the Board of Directors revisits the
investment strategy in order to secure the
highest possible long-term real rate of return for
members, after taking risk into account. The
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