Eign - Verðtryggð
For short-term savings and minimal fluctuations.
Eign - Verðtryggð invests entirely in inflation-linked deposits. As a result, fluctuations are generally limited, and returns tend to be more stable over shorter periods. While the risk is relatively low, the expected long-term return is also lower than in options that invest in equities.
Best suited for: Individuals who may need access to their savings in the near future and want to prioritize stability over growth.
Please note that this investment option was previously named Framtíðarsýn 3 (Future Vision 3). The name was changed to Eign – Verðtryggð 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.
Net nominal and real returns
The chart shows the net nominal and net real returns of Eign – Verðtryggð for 2025, together with the average annual returns over the past 5 and 10 years.
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 – Verðtryggð has performed is to look at the development of its unit price over time. The unit price of the investment option (previously Framtíðarsýn 3) has developed as shown below since 1999.
Investment Policy
With Eign – Verðtryggð, all savings are invested in inflation-linked deposits. As a result, the Investment Policy is straightforward and easy to understand.
| Permitted range – maximum | ||
|---|---|---|
| 100% | ||
| 100% |
Key Information
The following document contains key information about Eign – Verðtryggð, 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.