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My pension assets

Fees of Swedbank pension funds are favourable

Pension fund Current fees
K10 0,37%
K30 0,65%
K60 0,67%
K100 0,70%
K1990–1999 0,47%

Fees as of 30 June 2020. You can view the current fees of all funds provided in Estonia on the website at

Low-fee funds help your pension grow faster

  • Fees of all our pension funds are favourable.
  • We make sure you save in a fund matching your age. With the right fund, your pension can grow sufficiently, and as the retirement age gets closer, the risks will be lower.
  • Most Estonians save for their pension with us.
  • New! See the benefits that pension reform brings to the collector.

The Estonian pension system is made up of three pillars

1st pillar

The I pillar is the state old-age pension, which is paid from taxes collected on a continuous basis in the state budget. Due to the aging of the population, the number of pensioners is increasing, therefore the pensioners’ own contribution to their future savings is becoming increasingly important.

2nd pillar

The II pillar is your personal fund pension, which is accrued applying an efficient 2 + 4 scheme: the state adds two euros to each of your euros. It is estimated that the I and II pillars will together account for 40% of your pre-retirement income.

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3rd pillar

The III pillar is designed to allow the further increase of your future pension. This is the only method of long-term collection that the state supports with a tax incentive. Deposits to the third pillar will help increase the refund on income tax while also helping with your future savings.

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Pension graafik

The I and II pillars provide about 40% of your pre-retirement income

Collect in the III pillar as well and take advantage of the accompanying state tax incentive.


Together, the three pillars provide you with about 65% of your pre-retirement income.

This way you will be able to secure a retirement age where you can continue with your usual lifestyle.

Useful links

Investment Helpline

613 1606 (Mon-Fri 9.00–17.00)

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