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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.

The Estonian pension system is made up of three pillars

1st pillar

The 1st pillar is the state pension, which is designed to cover the basic cost of living. Because the population is ageing, the number of pensioners is increasing and the share of the old age pension paid by the state is decreasing. As such, it’s becoming more and more important for people to contribute to their own future savings.

2nd pillar

The 2nd pillar is the mandatory funded pension, which your employer deducts from your salary, with the state making its own contribution. The first two pillars combined will make up around 40% of the income you’ll receive during your retirement.

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3rd pillar

The 3rd pillar is the voluntary funded pension, meaning you can choose to save for it. The 3rd pillar is the only option for long-term saving that the state supports with a tax rebate. The 3rd pillar represents a personal asset and is one you can use before you retire should you need to.

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Pension graafik

The total of three pillars is about 65% of pre-retirement income.

By making use of all three pillars you can guarantee yourself a retirement that allows you to carry on living to the standard you’re used to.


Your income during your retirement could depend greatly on the pension solution you choose.

To maintain the established standard of living the pension should amount to ca 65% of the income before retirement. It is possible if you start early with contributions to the 3rd pillar.

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