Home plan

Home plan is suitable for those who wish to utilise the special conditions offered by the government on private pension funds. A private pension can now be used to save towards a property. The plan invests in bonds, deposits and government guaranteed bonds.

Nominal return

Holding period

Fluctuation in returns

out of 7

Scale of risk and fluctuations in returns

Main benefits

  • Active investment and asset distribution between bonds and deposits

  • The funds can be used to save towards a home or as a down payment on a home

  • Tax efficient

  • 73.3% Domestic bonds
  • 26.7% Deposits

Last changed: 31.05.2024


The objective of the plan is to increase assets and to keep fluctuations to a minimum. The fund actively invests in indexed and non-indexed and structured covered bonds in financial institutions, non-indexed bonds and bills of exchange (government guaranteed) and deposits. The bond indexation ratio is 20-90%.

What does the fund invest in?

Home plan is suitable for those who wish to utilise the special conditions offered by the government on private pension funds. The fund is designed for those who want to secure low risk returns on their private pension. The average maturation period is 1-5 years and fluctuations can be frequent. Customers are advised to invest for one year or more.

Fact sheet

Price history

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Documents and data

Fact sheet
Key Information Document
Returns and holdings
Investment policy

Rules of Framtíðarauður
Tariff of Charges for Investment Services


General disclaimer regarding Private Pension Plans

Investments in financial instruments always entail financial risks, such as the risk of little or no return or total loss of capital. Past performance is neither an indication nor a guarantee of future returns. Risk increases if the investment is financed by credit and returns can increase or decrease due to exchange rate volatility if assets are in foreign currency. Taxation of Private Pension is assessed on an individual basis in accordance with current legislation and is subject to change.

Framtíðarauður is a Private Pension Fund in accordance with Act No. 129/1997 on Mandatory Pension Insurance and on the Activities of Pension Funds. Íslandsbanki is the custodian of Framtíðarauður. Investors are advised to familiarise themselves with the rules of Framtíðarauður and the different strategies of each investment plan.

Information on this site is intended for information purposes only and should not be considered as an offer or advice on the purchase, sale or other allocation of certain financial instruments. Íslandsbanki is not responsible for investment decisions made based on information on this site. The source of this information is considered reliable, but the accuracy or validity of the information cannot be guaranteed. The bank reserves the right to make changes to this information at any given time.

Exchange rate developments and returns

The annual administration fee is included in the daily calculation of each investment plan’s exchange rate. Return for 12-month periods or longer is calculated on an annual basis. Shorter periods are not calculated on an annual basis but show price change instead. Return is based on the latest price listed and portrayed in the base currency of each investment plan.