DNB Spare-fond (Savings funds)
The DNB Spare mutual funds are a range of mutual fund packs for people who want an easy way to save over the long term but don’t want too many options.
Passively managed proportion of equities*
Invests in international and Norwegian shares
On your mobile phone, you buy the DNB Spare funds in The Spare app
* The fund’s equity investments are made in index funds. Index funds do not have managers who try to create better returns than the index.
The DNB Spare fund packages are different packages with mutual funds whose risk is kept stable over time. The proportion of equities of the fund package is automatically held at the level you choose, without you having to do anything.
The number in the name indicates the proportion of equities in the fund package. The higher the proportion of equities, the higher the risk but thereby also the better the chances of achieving higher expected returns over time.
The mutual funds invest in up to six sub-funds and have broad exposure to the global and Norwegian equity and fixed income markets.
The funds DNB Spare invests in:
The savings funds are explained in less than 60 seconds!
Savings expert Stian Revheim tells you about the DNB Spare funds
DNB Spare 100
Price example: For an amount of NOK 100,000 invested, the platform fee will amount to NOK 100 and the ongoing costs will amount to NOK 250 over the course of a year. A total of NOK 350 per year.
When you want a high return and are comfortable with major fluctuations in value during the savings period.
The time horizon for savings should be six years or more due to the high proportion of equities.
Minimum purchase amount is NOK 100. With a savings scheme in mutual funds, your savings happen automatically every month.
Costs:
Annual cost : 0.35 % Ongoing charge: 0.25% and Platform fee 0,10 %.
DNB Spare 80
Price example: For an amount of NOK 100,000 invested, the platform fee will amount to NOK 100 and the ongoing costs will amount to NOK 250 over the course of a year. A total of NOK 350 per year.
When you want a better return than from a bank account and are comfortable with moderate to high fluctuations during the savings period.
The time horizon for savings should be six years or more due to the high proportion of equities.
Minimum purchase amount is NOK 100. With a savings scheme in mutual funds, your savings happen automatically every month.
Costs:
Annual cost: 0.35 % Current cost: 0.25% and Platform fee: 0.10 %.
DNB Spare 50
Price example: For an amount of NOK 100,000 invested, the platform fee will amount to NOK 100 and the ongoing costs will amount to NOK 250 over the course of a year. A total of NOK 350 per year.
When you want a better return than from a bank account and are comfortable with moderate fluctuations during the savings period.
Your time horizon for savings should be three years or more.
Minimum purchase amount is NOK 100. With a savings scheme in mutual funds, your savings happen automatically every month.
Costs:
Annual cost: 0.35 % Current cost: 0.25% and Platform fee: 0.10 %.
DNB Spare 30
Price example: For an amount of NOK 100,000 invested, the platform fee will amount to NOK 100 and the ongoing costs will amount to NOK 250 over the course of a year. A total of NOK 350 per year.
When you want a slightly better return than from a bank account but want minimal fluctuations during the savings period.
Your time horizon for savings should be three years or more.
Minimum purchase amount is NOK 100. With a savings scheme in mutual funds, your savings happen automatically every month.
Costs:
Annual cost: 0.35 % Current cost: 0.25% and Platform fee: 0.10 %.
Historical returns are no guarantee of future returns. Future returns will depend, among other things, on market developments, the skill of the Portfolio Manager, the mutual fund’s risk, and the management costs. Returns may be negative as a result of mark-to-market losses.
Sustainability in mutual funds and in our advice
SFDR is the regulation in the EU action plan for sustainable finance. SFDR ensures that financial institutions publish their financial products’ investment strategy, investment objectives and actual investments.
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Normal breadth of exposure across regions and sectors
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Broad exposure to the digital companies in the world
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