The Second Pillar

Why should not be left for fortune to decide your pension fund?

  • The second pension pillar is mandatory. If you do not choose it yourself, it will be drawn for you. Only conservative funds participate in the drawing.
  • Changing the pension fund later is going to cost you. It is cheaper to choose a suitable fund right now.
  • Irrespective of the fund, 2% of your gross wage will be included in the pension fund and the state will add 4%. This amount should not be let for fortune to decide.
  • Swedbank pension funds invest also in Estonian forests.
Choose pension fund

K4 pension fund – Equity strategy

  • 75% of equities
  • 25% of bonds
  • 25% of the fund’s assets are invested in bonds, and up to 75% in equity risk.
  • The value of a fund share may fluctuate greatly over shorter periods.

K4 fund suitable if:

  • Your age is up to 34 years.
  • You are a pension saver with a risk tolerance and higher than average awareness.
  • Your objective is to increase assets saved for retirement as much as possible over a long savings period (at least 7-10 years).

Long term return till 01.12.2016

Annualized return Return
1 year +0.54% +0.54%
3 years +4.38% +13.77%
5 years +6.45% +36.72%

Performance chart

 Add for comparison

    Net asset values of the pension fund prior to 01.01.2011 have been translated into the euro at the official central rate of 15.6466.

    Calendar year total returns

    Year 2015 2014 2013 2012 2011
    Total return +3.35% +7.46% +4.19% +12.73% -7.56%

    Volatility measures

    • Standard deviation : 7.68 %
    • Sharpe ratio : 0.57

    All indicators are based on 3 year period

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    We can help you in issues relating to: funds, deposits, saving for children, pension, life insurance.