The majority (70 per cent) of Danes have admitted to not checking their pension returns this year, according to research from Sampension.

The survey showed that 28 per cent of respondents had checked their pension returns, while the remaining participants said they “didn’t know” whether they had done so.

It also revealed that one in two Danes has not reviewed their pension schemes this year, and one in four said they have never received pension advice.

Despite the majority having not checked their pension returns, 53 per cent believe their returns have been either negative or neither positive nor negative this year.

Meanwhile, 27 per cent thought their pension returns had been positive this year, and the remainder said they did not know.

Sampension chief advisor, Helle Dalsgaard, noted that 2025 has been something of a “rollercoaster ride” in terms of returns for pension savers in Denmark.

“In the first quarter of the year, returns went in the wrong direction, which continued into April in the wake of Trump's ‘Liberation Day’. But since then, the upturn in the stock markets, in particular, has meant that returns have generally been pointing upwards,” she said.

“Overall, this development means that Danes are seeing nice gains on their pension savings so far this year. This will apparently come as a positive surprise to many.”

Dalsgaard suggested that the fact that many people view recent returns more negatively than they actually were could be linked to the “considerable” turmoil that characterised the financial markets in the spring, which may still be “fresh in people’s minds”.

“At the same time, there are many pension savers who have not checked their returns this year, which of course also has an impact," she added.

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