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My pension assets

Low-fee funds help your pension grow faster

  • Fees of all our pension funds are favourable.
  • New index funds in II and III pillars have the lowest fees in Estonia.
  • Our funds include both actively and passively managed funds, in both pillars.
  • New! Now you can increase your II pillar yourself.

Pension assets summary

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Save II pillar in a fund with low fees

If less is spent on fees, more money is left for investments. Compare how much you could win on fees.

Win from the tax relief with III pillar

By investing in III pillar, you secure your retirement and get income tax relief on your contributions.

From January 2024 you can increase your II pillar payments. Calculate, how much bigger payments help your pension money to grow.
Recommended

Your payment 6% from gross salary

The most useful way to save

Your payment 4% from gross salary

Your payment 2% from gross salary
Your monthly payment 0€ 0€ 0€
State adds 0€ 0€ 0€
II pillar size at the end of saving period 0€ 0€ 0€

The returns displayed in the calculator are not guaranteed and are not based on actual market returns. The long-term historical annual return on equities used internationally is 7%, but this does not necessarily mean similar return for II pillar fund. In addition, pension funds have different risk levels and investment profiles, which also affect returns. Fees and associated risks must also be taken into account when investing. The value of an investment can increase or decrease over time, and past performance is not indicative of similar performance in the future.

II pillar is now better

  • From the beginning of 2025, you will be able to save more money for your pension, as you can contribute 4% or 6% of your gross salary. In both cases, the state will add 4%.
  • Previously, the II pillar functioned according to a 2 + 4 scheme: You contributed 2% of your gross monthly salary and the state added 4%.
  • Small cost now, big win in the future. Contributions to pension fund are a rather unnoticeable part of your salary, but if you save consistently over the years, it will eventually add up to a much larger amount.
  • Tax win. II pillar contribution is tax-free as it is made from the gross salary. This way, the entire amount immediately goes to pension fund and the compound interest can start working.
  • Bigger payments = bigger pension.
  • Contributions can be conveniently increased via the Internet bank, and the process only takes a few minutes.
  • On the basis of an application submitted before the end of November, larger contributions to the pension fund will start to be received from 1 January of next year.
  • You can change the amount of your contribution once a year.
Increase payments

Need advice regarding pension?

Book a meeting to video consultation.

Or call +372 6 310 310.
Find yourself a suitable fund with low fees. One of the most useful ways to save, as you can use the income tax incentive and make contributions in the amount and at the pace that suits you. Life insurance supports your family when you are unable to do so. Calculate the monthly payment and life insurance sum that would meet your family's needs. Swedbank Robur funds – invest as little as 1€ at a time. Buying, selling, and holding fund units in your portfolio is always free of charge.
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SWEDBANK AS
Liivalaia 8, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

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This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.