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At Grandhood, we have two different pension schemes: Mix'n'Match and All Inclusive. They are both completely digital and easy to set up, so you get the same good experience, regardless of which scheme you choose. But they have some fundamental differences and therefore each has its own advantages - depending on your company’s needs. This means that you can choose the scheme that best suits your needs.
Everything and everyone included.
Freedom of choice
Because every company has different needs, we developed two solutions, allowing your company to choose the scheme that best suits your situation and needs.You might already know that a pension consists of both savings and insurance.
The two schemes do not differ on savings, but they do with the insurance, as well as who and how many are included in the scheme. Below we explain why this makes sense.
“We wanted to avoid long arduous meetings with a pension adviser.”
Rasmus Mathias Holm
Creative Director
Read story →Everything and everyone included
All Inclusive is the scheme where everything is included - and everyone is included. With the All Inclusive scheme, all employees in the company are part of the scheme and all our insurances are also included.
Typically, it is an advantage for companies with many employees to choose All Inclusive, as it achieves economies of scale and thus significantly lower insurance prices. Therefore, there must be a minimum of five employees in the company to qualify for the scheme. Because it is an all-digital scheme, it is less administratively demanding for you as an employer and to make things even easier, you do not have to provide employee health information. We don’t think there can be an easier way to get insurance. This also enables the individual employee to get insurances they might not ordinarily qualify for if they were to provide health information.
Nord.investments, provide investment solutions, founder and CEO Anders Hartmann therefore knows the importance of pensions. For this reason, he makes a pension available to all his employees.
At the jewellery platform Finematter, Mie Ejdrup has chosen to give her employees a pension through our Mix'n'Match scheme.
Freedom to choose for yourself
Mix'n'Match is the freedom to choose for yourself. This means that the company itself chooses exactly who and how many employees should be included in the scheme. At the same time the employees themselves can choose which insurances they want. You therefore have the freedom to choose and adapt the scheme to your exact needs.
There is no requirement as to how many must be enrolled in the scheme, therefore it is suitable for self-employed people, or companies with fewer than five employees. And a minimum of only 3% must be contributed to the pension scheme.
For the individual employee it is an advantage to be able to choose only the insurance policies that the employee needs. In this way your employees are not forced to pay for insurance that they do not need.
We know that prices in the pension industry are generally opaque and difficult to understand. This is because prices consist of several elements bundled together, and several of them are percentage based, which mean that breaking down the actual price is almost impossible.
Typically, the prices consist of… wait for it:
Percentage of your deposits
+ APR (annual cost as a percentage)
+ a fixed monthly amount paid by the company
+ a fixed monthly amount paid by the employee
Pensions and insurance don’t need to be difficult to understand. At Grandhood, we only speak in a language you understand.
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At Grandhood, you're never in doubt about what you're paying and like you we also hate hidden fees.
At Grandhood, we want to do away with unclear pricing, with us it is easy for you to see what you are paying for. This is why you always pay a simple a fixed monthly amount and your investment costs… that is it! On top of that we do not take percentages of your deposits because we don't think you should be penalized for paying into your own pension.
At Grandhood, we never charge you a fee for any pension advice, it's completely free - and you can have as much as you need.
Because we have two different schemes at Grandhood, we also have two different prices. See them below.
It doesn't have to be difficult to know what you pay.
At least not with us.
Freedom of choice
/month per employee
Paid by the employee
APR
Grandhood salær
0,20%
Expected bonus*
0,15%
Everything and everyone included
/month per employee
Paid by the employee
APR
Grandhood salær
0,20%
Expected bonus*
0,15%
The above amount is the cost per employee to be included in a pension scheme with Grandhood, it is not related to the company’s and employee’s own pension contribution.
*Velliv is 100% customer-owned and every year they pay out a bonus to their customers. In recent years, it has been around 0,15%. You can therefore expect to subtract a figure of the magnitude from your APR. However, past bonuses are not a guarantee of future bonuses.
**The APR presented for the investment products Index and Aftryk is the maximum APR. The exact price depends on the investment profile you choose.
If your employees wish to live after retirement as they have done all their working lives, the state pension is not enough. If they get started well in advance, they can let compound interest work for them in order to enjoy the same standard of living after retirement.
Read more about savings→Through a company pension scheme, you as a business owner can offer insurance to your employees cheaper than they can get anywhere else. Giving your employees security and peace of mind.
Read more about insurance→We’ve built the pension of tomorrow with the support of Velliv. Velliv is Denmark’s third largest pension company and is 100% customer owned.
When you’ve got pension with Grandhood, you’ve got pension with Velliv.
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