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My pension assets

Your pension savings will be safe with us

  • Your pension assets are looked after by world-class investment specialists.
  • You’ll find the best options for you for both the 2nd and 3rd pillar pensions from our wide selection.
  • We’re the biggest provider of pension solutions in Latvia – more than 500,000 clients have entrusted their savings to us.

Think about today, but don’t forget about tomorrow

Don't put off investing under the 3rd pension pillar for a better future. Start saving and make use of the benefits:

  • Low fees – from 0.57% which allows saving more
  • Flexible contributions – choose the amount and frequency of contributions yourself
  • 20% tax refund – get back a portion of your contributions on an annual basis
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Let’s have a talk about what’s important for you

Book a consultation with our specialist.

In order to transfer your accrued 3rd pillar pension capital from Swedbank Atklātais Pensiju Fonds to other pension fund in Latvia, conclude a 3rd pension pillar individual participation agreement with the pension fund to which you wish to transfer the capital.

Fill out the "Application for transfer of supplementary pension capital". Submit the application via Swedbank Internet Banking site’s section Payments, accounts > Document signing > “Document upload”.

If you use e-signature, upload the electronically signed application.

documentFill out the application

Pension savings overview

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Choose a 2nd pillar pension plan that suits you the best

6% of your monthly salary goes to the 2nd pension pillar. Choose a pension plan that suits you the best for bigger savings in the long-term and to preserve the accrual as old age draws closer.

Start savings under 3rd pension pillar and enjoy the advantages already now

Build financial means for a wholesome life in the old age, as well as getting a 20% tax refund for the contributions on an annual basis.

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.

More about Latvian pension system

The 2nd pillar is the mandatory funded pension, in which contributions are made from social tax paid from your salary. The first two pillars combined will make up around 50% of the income you’ll receive before your retirement.

Read more

The 3rd pillar is the voluntary savings for greater financial independence. The 3rd pillar allows you get back 20% of your contributions, access the accrued capital before you retire - from already 55 years of age and these savings are also heritable.

Read more

By using all three pillars you will be able to have a retirement that allows you to carry on living standard you’re used to.

To maintain the established standard of living the pension should amount to 70% of the income before retirement. It is possible if you start early with contributions to the 3rd pillar.
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  • Retirement will come.
    Choose how you’ll greet it.
  • Choose the most pension plan suitable to you

Retirement will come. Choose how you’ll greet it.

Start the year with a prudent choice!

Invest your 2nd pillar pension accrual with Swedbank - the largest management company in Latvia, chosen by more than 550,000 people.*

  1. Wide range of pension plans – choose the one that suits you best
  2. Low fees from 0.30% to 0.47% per year depending on the plan
  3. Pension plans contributing to sustainability

* The largest pension manager by the number of participants and by assets (data source:, 30.12.2022).