The ATP Group Annual Report 2012

M a n a g e m e n t 's R ev i ew B u s i n e s s M o d e l R i s k Pe n s i o n H e d g i n g a n d I nve s t m e n t H e d g i n gI nve s t m e n t A d m i n i s t r a t i o n S o c i a l R e s p o n s i b i l i t y T h e AT P G r o u p F i n a n c i a l S ta te m e n t sRiskYoung and in the labour marketA pension contribution is automatically deducted from thepay of most Danish wage earners as part of the pay andworking conditions negotiated through collective bargaining.If you are covered by a labour-market pension scheme, youhardly need to pay in more to your pension at this stage.»