Eign - 20/80
For greater stability and lower risk.
Eign - 20/80 is designed for those who prefer smaller fluctuations in the value of their savings. Because a larger share of the portfolio is invested in bonds, risk is lower, and returns are generally more stable over time. The trade-off is lower long-term return potential compared to investment options with a higher proportion of equities.
Best suited for: Individuals who expect to use their savings in the coming years or who prefer a more conservative approach to investing.
Please note that this investment option was previously named Framtíðarsýn 2 (Future Vision 2). The name was changed to Eign – 20/80 in mid-2026.
Returns
When investing in a Private Pension over many years or even decades, it is important to focus on long-term performance. It is also important to understand the difference between nominal returns and real returns.
Nominal returns show how much an investment has grown before accounting for inflation and costs. Real returns are adjusted for inflation and costs, providing a clearer picture of the actual growth in the value of your savings.
The difference between nominal and real returns (example):
You invest ISK 100,000 in a savings account earning 10% interest. After one year, your balance has grown to ISK 110,000. Your nominal return is therefore ISK 10,000.
If inflation during the same period is 5%, the real return is lower because inflation reduces the purchasing power of your money. Using the real return formula, the return is 4.76%, meaning the real value of your savings has increased by approximately ISK 4,760.
Unit price
A simple way to see how Eign – 20/80 has performed is to look at the development of its unit price over time. The unit price of the investment option (previously Framtíðarsýn 2) has developed as shown below since 1999.
Investment Policy
A detailed Investment Policy is prepared for Eign – 20/80 each year. As part of this process, Gildi’s investment specialists assess market opportunities and risks across different asset classes.
Gildi’s portfolio managers continuously buy and sell equities and bonds to achieve the best possible long-term returns for fund members. The framework for these investment decisions is set out in the Investment Policy below, which also shows the portfolio allocation at the end of 2025.
| Permitted range – maximum | ||
|---|---|---|
| 90.0% | ||
| 15.0% | ||
| 80.0% | ||
| 32.0% | ||
| 10.0% | ||
| 12.0% | ||
| 30.0% | ||
| 15.0% | ||
| 30.0% | ||
| 20.0% | ||
| 25.0% | ||
| 100% |
Key Information:
The following document contains key information about Eign – 20/80, an investment option offered by Gildi Pension Fund.
This information is required by law and is intended to help you understand the nature, risks, costs, and potential gains and losses of the investment option, and to compare it with other similar financial products.