07 Aug Sustainability and growth in personal pension accounts
In the dynamic financial environment of recent years, insured persons are seeking not only security but also sustainable growth for their retirement savings. The latest data from the Financial Supervision Commission for the period 28 June 2024 – 30 June 2026 show that the supplementary mandatory pension funds managed by „PAC DallBogg: Life and Health“, provide predictability and added value for future pensioners.
The „DallBogg: Life and Health“ Occupational Pension Fund (OPF) has demonstrated high efficiency, achieving an annualized return of 6.72%. This result is particularly significant, as it not only exceeds the weighted average return for the entire market (6.14%) by 0.58 percentage points, but is also more than twice as high as the required minimum return for the period (3.14%). With a margin of 3.58 percentage points above the mandatory minimum threshold, the fund has delivered a positive return for workers in the first and second categories of labour, which is a convincing indicator of professional investment and risk management.
The „DallBogg: Life and Health“ Universal Pension Fund (UPF), which covers those born after 1959, demonstrates a stable strategy, achieving a return of 5.40% on an annual basis. Although the market environment is challenging, the fund maintains a comfortable margin of 2.02 percentage points above the sector’s minimum return (3.38%). This balanced approach aims to achieve sustainable growth in individual accounts, preserving the real value of money in the long term and providing peace of mind and financial confidence for future pensioners.
The results of the two funds reflect a flexible investment policy aimed at maintaining an optimal balance between regulatory requirements and generating returns for policyholders.
* These results are not indicative of future performance, and positive returns are not guaranteed. For the „DallBogg: Life and Health“ Occupational Pension Fund, there is no guarantee that the full amount of funds contributed to individual accounts will be preserved./ The Standard deviation and Sharpe ratio, calculated for the same period, are as follows: for the UPF 5.76% and 0.51, and for the OPF 5.95% and 0.72./ Nominal return – the return achieved through the management of the fund’s assets. It is calculated as the difference between the value of one unit of the fund, valid on the last working day of the relevant year, and the value of one unit of the fund, valid on the last working day of the previous year, divided by the value of one unit, valid on the last working day of the previous year./ Standard deviation – a statistical measure of the dispersion of the values of a random variable around its mean. Standard deviation is regarded as one of the key indicators for measuring the risk of an investment portfolio./ Sharpe ratio – a measure that compares the return achieved from managing an investment portfolio with the risk taken to achieve that return./ The methodology used to calculate returns and investment risk is in accordance with Annex No. 15 of Regulation No. 61 of 27 September 2018 of the Financial Supervision Commission./ You can find details of the fund’s return indicators, investment risk, calculation methodology and investment policies at www.dallbogg.bg under Investments/Returns and Risk./ A comparison with the data set out above can be made on the Financial Supervision Commission’s website at https://www.fsc.bg/, under the section Social Insurance Activities/ Statistics/ 2026.