Swedbank pension funds

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.

Is it worth to increase II pillar payments?

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

Age

Gross salary

Saved pension money

Return

0 %

-15 %

15 %

Average yield on equities 7%

	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
Your monthly payment	98€	66€	33€
State adds
State adds	66€	66€	66€
II pillar size at the end of saving period
II pillar size at the end of saving period	66 721€	54 906€	43 091€

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

What has changed?

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%.

Why increase your payments?

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.

How to increase you contribution?

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.

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My pension assets

Low-fee funds help your pension grow faster

Pension assets summary

Chart

Save II pillar in a fund with low fees

Win from the tax relief with III pillar

Is it worth to increase II pillar payments?

Your payment 6% from gross salary

Your payment 4% from gross salary

Your payment 2% from gross salary

II pillar is now better

What has changed?

Why increase your payments?

How to increase you contribution?

Need advice regarding pension?

You might be also interested in these products

II pillar

III pillar

Life insurance

Investing

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