SparDanmark Invest

What SparDanmark Invest does

SparDanmark Invest (legal name Investeringsforeningen SparDanmark Invest) is a Danish investment fund association founded on November 30, 2020, and headquartered in Randers C, Denmark. The association issues and manages four mixed-asset funds spanning the risk spectrum: Konservativ (~20% equities, risk class 2), Balance (~40% equities, risk class 3), Offensiv (~60% equities, risk class 3), and Vækst (~85% equities, risk class 4). Each fund invests across global equities, bonds, and up to 15% in alternative investments such as real estate and infrastructure, with active allocation and rebalancing by Sparekassen Danmark's Markets team. All four funds have been listed on Nasdaq Copenhagen since June 15, 2023, providing secondary-market liquidity, and all four funds are classified under Article 8 of the EU's Sustainable Finance Disclosure Regulation.

The business operates with no minimum investment threshold and earns revenue primarily through an ongoing management and administration fee of approximately 1.15% per year on assets under management, augmented by 0.15% transaction costs and 0.30% entry and exit charges; there is no performance fee and no distribution commission paid to the distributing bank. As of June 2026, AUM stood at 9.8 billion DKK across more than 18,000 investor accounts, up from 8.4 billion DKK at end-2025 and 6,000 investors in May 2024. Distribution is conducted exclusively through Sparekassen Danmark via its branch advisory network, netbank and mobile banking platforms, with market-making provided by Sydbank and depository services by JP Morgan. Administration is handled by ID-Sparinvest and Nykredit Portefølje Administration, VP Securities A/S registers investor ownership, and EY serves as external auditor.

The target customer base is concentrated in Danish retail investors seeking professionally managed diversified portfolios, including free-fund, pension, and children's savings vehicles, alongside a smaller cohort of corporate treasury investors. Service features such as dividend reinvestment, periodic automated investing, and pension withdrawal cash coverage are embedded at the fund level. Governance is exercised by a four-member board elected annually, chaired by Ulla Skov, with Ulla Skov, Jakob Goul Rømsgaard, Hans-Jørgen Borup Kastberg re-elected and former Sparekassen Danmark CEO Vagn Hansen newly elected at the April 2026 general meeting.

Name

SparDanmark Invest

Legal name

Investeringsforeningen SparDanmark Invest

Website

https://spardanmarkinvest.dk

Company type

Public

Founded year

2020

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

SparDanmark Invest is a Danish investment fund association offering four mixed-asset funds (Konservativ, Balance, Offensiv, Vækst) of equities, bonds, and alternatives, distributed exclusively through Sparekassen Danmark to retail and corporate investors in Denmark.

Ownership category

akta.pro rank

Product category

Investment Fund Management

NAICS

Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)

SIC

Investment Advice (6282)

akta.pro primary industry

Multi-Asset & Allocation ETFs (Balanced, Target Risk) (FSAAAFAF)

Keywords

• Mixed asset funds
• Investment association
• Mutual fund management
• Portfolio diversification
• Alternative investments

Headquarters

HQ city

Vrå

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Management fees: Revenue generated through ongoing management fees embedded in the ongoing costs charged to investors (approximately 1.15% annually), which cover portfolio management, administration, depository services, and other operational expenses.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

SparDanmark Invest is a Danish investment association offering four mixed-asset mutual funds (Konservativ, Balance, Offensiv, and Vækst) that invest in combinations of equities, bonds, and alternative investments including real estate and infrastructure. The funds provide professionally managed, diversified portfolios with no minimum investment requirement, and are distributed exclusively through Sparekassen Danmark with listings on Nasdaq Copenhagen.

Product overview

SparDanmark Invest is an investment association (investeringsforening) offering four mixed funds - Konservativ, Balance, Offensiv, and Vækst - that invest in combinations of equities, bonds, and alternative investments such as real estate and infrastructure. The funds are distributed exclusively through Sparekassen Danbank and listed on Nasdaq Copenhagen. The portfolio management is handled by Sparekassen Danmark, with administration by ID-Sparinvest and custody by JP Morgan. The four funds range from conservative (20% equity, risk class 2) to growth-oriented (85% equity, risk class 4), providing investors with options based on their risk tolerance and investment horizon. The association also offers service features including dividend reinvestment and periodic investment plans.

Differentiator

Problem solved

Functional benefit

Brands

• SparDanmark Invest Konservativ: A conservative fund targeting cautious investors with low risk tolerance and/or short investment horizon. Has approximately 20% equity allocation (10-30% range), up to 15% in alternatives, and the remainder in bonds. Aims for risk class 2.
• SparDanmark Invest Balance
• SparDanmark Invest Offensiv
• SparDanmark Invest Vækst

Products and services

• SparDanmark Invest Konservativ A conservative mixed fund targeting cautious investors with low risk tolerance and/or short investment horizon. It has a base equity allocation of 20% (range 10-30%), up to 15% in alternative investments such as real estate and infrastructure, and the remainder in bonds. Aims for risk class 2.
• SparDanmark Invest Balance A balanced mixed fund for investors wanting a slight overrepresentation of bonds for stability while seeking better return opportunities. It has a base equity allocation of 40% (range 30-50%), up to 15% in alternative investments. Aims for risk class 3.
• SparDanmark Invest Offensiv An offensive mixed fund for investors seeking equity overrepresentation to improve returns while maintaining some stability. It has a base equity allocation of 60% (range 50-75%), up to 15% in alternative investments. Aims for risk class 3.
• SparDanmark Invest Vækst A growth-oriented mixed fund targeting investors seeking high returns who can accept larger negative fluctuations. It has a base equity allocation of 85% (range 75-100%), up to 15% in alternative investments such as real estate and infrastructure. Aims for risk class 4.

Quantifiable outcome

• 2026 year-to-date returns between 4% and 10.1% across the four funds
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• Sparekassen DanmarkcoreChannel Partner/ Reseller/ DistributorExclusive distribution partner for SparDanmark Invest funds. Provides investment advisory services through branch network and manages portfolio management of the funds. Also provides free custody of securities in investor depots.
• JP MorgancoreOthersServes as depotbank/custodian responsible for safekeeping of securities held by the investment funds.
• ID-Sparinvest / Nykredit Portefølje AdministrationcoreImplementation/ SI/ Consulting PartnerAdministration company responsible for daily administration and management of the investment association. Handles investor services, dividend payments, and regulatory compliance.
• SydbankcoreTechnology or IntegrationMarket maker for SparDanmark Invest funds listed on Nasdaq Copenhagen, ensuring liquidity for trading.
• EY Godkendt RevisionspartnerselskabcoreOthersIndependent auditor providing annual audit services for the investment association's financial statements.
• VP Securities A/ScoreTechnology or IntegrationDanish securities depository that registers investor ownership of fund units and processes transactions.

Scale indicators5 records

Recent moves10 records

Expansion highlights4 records

Broad incumbents

• BlackRock iShares: Global passive ETF provider with broad Danish retail availability. Not a direct mutual fund peer but a structural competitor applying fee and convenience pressure on active Danish balanced funds like SparDanmark Invest.
• PFA Pension: Large Danish pension and insurance provider with substantial in-house investment products. Competes for the same Danish household savings pool but via pension wrappers rather than pure mutual funds.
• Industriens Pension: Major Danish labour-market pension fund with internally managed multi-asset portfolios. Competes indirectly for the same Danish retail long-term savings wallet.

Direct peers

• Sparinvest: Danish/Nordic fund brand administered by ID-Sparinvest — the same administrator that services SparDanmark Invest. Direct structural and operational analogue with similar multi-asset fund products.
• BankInvest: Danish investment fund association distributed through multiple partner banks. Comparable mixed-asset fund range and Danish retail/wholesale distribution approach.
• Nykredit Invest: Investment fund association affiliated with Nykredit (which also handles SparDanmark Invest's administration via Nykredit Portefølje Administration). Same multi-asset balanced fund structure and Danish retail distribution model.
• Jyske Invest: Investment fund association distributed through Jyske Bank. Highly comparable as a regional Danish bank-tied multi-asset fund range covering the conservative-to-growth risk spectrum.
• Nordea Invest: Investment fund offering from Nordea Denmark. Same bank-distributed multi-asset fund concept and Danish retail customer base overlap.
• Danske Invest: Largest Danish investment fund association, distributed through Danske Bank branches and digital channels. Closest large-scale analogue to SparDanmark Invest's bank-tied multi-asset fund model.
• SEB Invest: SEB Denmark's investment fund range. Comparable bank-tied fund association model serving Danish retail and private banking clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCrwfr9LhPI1bdbfMOLaR5Wg
• Facebookfacebook.com/sparekassen
• LinkedInlinkedin.com/company/sparekassen-danmark
• Instagraminstagram.com/sparekassen_danmark

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SparDanmark Invest