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My pension assets

Swedbank – a good place to invest for your pension

  • Fees of all our funds are low. This means more will remain for your pension investments.
  • Good returns. The results of our funds have consistently been among the best in Estonia.
  • Wide and unique selection of funds. Everyone can find a suitable fund.

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.

Now 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 from your social tax The state’s contribution to your II pillar comes from your social tax. This means your state pension’s joint part will also be smaller. Nevertheless, you will receive this contribution to your personal pension account. 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

  • Now you can do even more for your future. Previously all pension investors could contribute 2% from their gross salary to II pillar. Now you can contribute 4% or 6% of your gross salay.
  • When you change your contribution, the state’s contribution will stay the same – 4% from your gross salary. State’s contribution will come from your social tax and will lessen your state pension’s joint part. Then again, you will receive that amount to your personal pension account. Read more about this from Pensionikeskus.
  • 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.
  • You can submit the application to change your contribution at all times in the Internet bank. If you submit the application before the end of November, larger contributions to the pension fund will start to be received from 1 January of next year (not immediately). When you submit an application in December, it will come into effect the year after next.
Increase payments

Need advice regarding pension?

Book a meeting to video consultation.

Or call +372 6 310 310.

II pillar

Find yourself a suitable fund with low fees. Read more

III pillar

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. Read more

Life insurance

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. Calculate payment

Investing

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. Read more
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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.