Henrik Ramlau-Hansen

Henrik Ramlau-Hansen is an Associate Professor in the Department of Finance at Copenhagen Business School (CBS). His research focuses on pension systems, investment policies, and financial economics, with a particular emphasis on optimizing public and private pension frameworks in Denmark. He has contributed to influential analyses of ATP (Danish Pensions), addressing challenges like asset allocation, savings models, and demographic impacts on retirement income.

He has held board roles at the Danish Financial Supervisory Authority (FSA) and NOW: Pensions Ltd until 2018, and has engaged in consultancy for pension companies (2021-2022). His teaching includes executive education programs at CBS. Key research themes include pension reform viability, investment return expectations, and policy adjustments to ensure sustainable retirement savings systems.

His publications emphasize practical policy recommendations, such as optimizing ATP models, evaluating savings behaviors, and addressing governance gaps in pension systems. He collaborates with institutions like the Pension Research Center, contributing to both academic and applied financial research.