Swedbank V-funds


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.
  • You can select the fund that is suitable for you.
  • We offer funds with three different risk levels.

* 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.

What should I know before investing in V-funds?

In order to work out whether V-funds are right for you and which one to choose, fill in this suitability questionnaire.

Fill in questionnaire

You need to have a pension account in order to invest in V-funds. It is the same account where the second pillar fund units are held.

We recommend making regular contributions. Investing regularly gives you the opportunity to buy fund units when the markets are up or down, which generally gives you a better average purchase price than one-off investments.

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).
Make contribution Start saving
Swedbank Pension Fund V100 EE3600071049 EUR 03.09.2003 57 382 265.03 EUR 1.4763 EUR 1.4763 EUR 1.4763 EUR 0.0058 EUR (+0.39%); Equity funds
Lower Risk Typically lower rewards
Higher risk Typically higher rewards

Long term return till 22.09.2020

Annualized return Return
1 year -1.77% -1.78%
3 years +1.88% +5.76%
5 years +4.43% +24.22%

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 : 12.66 %
    • Sharpe ratio : 0.23

    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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