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Swedbank V-funds

Woman

A great opportunity for a long-term investment in the third pension pillar

  • You can get an income tax rebate on the contributions*.
  • The entry and transaction fees when purchasing V-funds are €0.
  • You can increase, decrease or suspend payments for a certain period.
Start saving

* You can get an income tax rebate on payments into the third pillar that comprise up to 15% of your gross annual income but no more than 6,000 euros during the calendar year. You must submit a tax return to get the tax rebate. You will only receive a rebate on third pillar pension payments if you have made the payments yourself.

NB! Join the III pillar before 28 December 2020 for more favourable tax rates

With the pension reform, the conditions for taxing money withdrawn from the III pillar will change as of next year. However, this change only applies to new applicants who sign up for the III pillar after 28 December 2020. If you join the III pillar and make your first deposit prior to 28 December 2020, the current, more favourable income tax will remain in force for you.

If you began saving before 28 December 2020

The current conditions will apply to you, and after the age of 55, you will be able to withdraw money at a cheaper income tax rate of 10% or even 0%.

If you start saving on 29 December 2020 or later

You may withdraw the money at a more favourable income tax rate only 5 years before reaching retirement age. Provided that you have been saving for at least 5 years.

Good to know! It is also worth signing your minor children up for the III pillar. By doing so, they will also be able to withdraw the money with a tax incentive at a younger age in the future. To make your child a III pillar account, make an appointment to visit a bank branch. When coming to the appointment, remember to bring along your child’s identity document.

Book an appointment

How to start saving?

  1. You need a pension account to accumulate funds in the 3rd pillar. Having never collected funds in the 3rd pillar before, you must first create a pension account. When opening an account, you can immediately choose the fund to which your payments will go in the future.

    Open pension account

  2. Deposits can be made both as monthly fixed payments and as one-time payments at a time and in an amount of your choosing. Monthly payments are recommended, because in this way you will be contributing to the funds regularly by buying fund shares at different prices.
  3. To find out whether V-funds are the right option for you and to determine which one to choose, fill in the suitability questionnaire.

Pension Fund V100

  • Up to 100% of the fund’s assets are invested in equity risk instruments.
  • The value of a fund share may fluctuate substantially.

V100 fund is suitable if:

  • you are with a high risk tolerance experienced investor;
  • your objective is to increase assets as much as possible over a long savings period (at least 10 years).
Swedbank Pension Fund V100 EE3600071049 EUR 03.09.2003 62 828 428.32 EUR 1.5987 EUR 1.5987 EUR 1.5987 EUR 0.0019 EUR (+0.12%); Equity funds
Lower Risk Typically lower rewards
Higher risk Typically higher rewards

Long term return till 26.11.2020

Annualized return Return
1 year +3.21% +3.22%
3 years +3.64% +11.37%
5 years +4.35% +23.77%

Performance chart

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    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 2019 2018 2017 2016 2015
    +20.21% -8.96% +9.02% +6.97% +2.93%

    Volatility measures

    • Standard deviation : 12.62 %
    • Sharpe ratio : 0.04

    All indicators are based on 3 year period

    Your pension assets will be managed by the best experts in Estonia and the Nordic countries

    We have a large team who works hard on a daily basis to increase pension assets: fund managers, analysts, risk managers and others. The expertise of our fund managers is highly regarded in Estonia and abroad.

    The team based in Tallinn determines the strategy of the pension funds, i.e. makes decisions regarding where and how much to invest, considering the long-term factors influencing financial markets.

    The team based in Stockholm makes daily investment decisions based on the strategy, depending on events in recent history or expectations in the near future on financial markets.

    Katrin Rahe

    Senior portfolio manager, Tallinn

    Chartered Financial Analyst (CFA). In Swedbank Investment Funds since 2011. Has experience in various investment area related positions at Bank of Estonia and Nordea since 1996. Responsible for setting pension funds' strategy based on financial markets long-term Outlook.

    Ene Õunmaa

    Senior portfolio manager, Tallinn

    In Swedbank Investment Funds since 2011. Has experience in various investment area related positions since 1997. ISMA certificate holder.

    Pertti Rahnel

    Portfolio manager, Stockholm

    Chartered Financial Analyst (CFA). In Swedbank Robur since 2011. Has experience in various investment area related positions at Swedbank Group since 2005. Responsible for global investments.

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    Swedbank