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About 2nd pension pillar

1990+ is the most suitable plan for you

1980+ is the most suitable plan for you

1970+ is the most suitable plan for you

Dynamics is the most suitable plan for you

Stability is the most suitable plan for you

Funds that evolve together with you
1990+
1980+
1980+

Choose what suits you best!

Why choose Swedbank’s 2nd pillar pension plan?

At the moment, 97% of savings in life-cycle plans are invested in sustainable development
Investments in development of Latvia
Dynamic investments for bigger profit potential
Low fees

You can sign up for the 2nd pension pillar via latvija.lv portal.

By applying for the 2nd pension pillar, I agree to my personal data (given name(s), surname, identity number) being made available to the State Regional Development Agency (VRAA) for provision of the respective e-service. The asset manager is Swedbank Ieguldījumu Pārvaldes Sabiedrība AS and the asset custodian is Swedbank AS, having their seat at Balasta dambis 1a, Riga, LV-1048. The 2nd pension pillar investment plan prospectuses and historical performance are available here. The suitable pension plan is determined based on the customer’s age. The pension plan “1990+” has an active investment strategy for a potential to earn more in the long-term. Participation in this plan does not guarantee profit and the historical performance does not guarantee similar yield in the future.

Choose what suits you best!

Why choose Swedbank’s 2nd pillar pension plan?

At the moment, 97% of savings in life-cycle plans are invested in sustainable development
Investments in development of Latvia
Smart investments for bigger profit potential
Low fees

You can sign up for the 2nd pension pillar via latvija.lv portal.

By applying for the 2nd pension pillar, I agree to my personal data (given name(s), surname, identity number) being made available to the State Regional Development Agency (VRAA) for provision of the respective e-service. The asset manager is Swedbank Ieguldījumu Pārvaldes Sabiedrība AS and the asset custodian is Swedbank AS, having their seat at Balasta dambis 1a, Riga, LV-1048. The 2nd pension pillar investment plan prospectuses and historical performance are available here. The suitable pension plan is determined based on the customer’s age. The pension plan “1980+” has an active investment strategy for a potential to earn more in the long-term. Participation in this plan does not guarantee profit and the historical performance does not guarantee similar yield in the future.

Choose what suits you best!

Why choose Swedbank’s 2nd pillar pension plan?

At the moment, 97% of savings in life-cycle plans are invested in sustainable development
Investments in development of Latvia
Smart investments for bigger profit potential
Low fees

You can sign up for the 2nd pension pillar via latvija.lv portal.

By applying for the 2nd pension pillar, I agree to my personal data (given name(s), surname, identity number) being made available to the State Regional Development Agency (VRAA) for provision of the respective e-service. The asset manager is Swedbank Ieguldījumu Pārvaldes Sabiedrība AS and the asset custodian is Swedbank AS, having their seat at Balasta dambis 1a, Riga, LV-1048. The 2nd pension pillar investment plan prospectuses and historical performance are available here. The suitable pension plan is determined based on the customer’s age. The pension plan “1970+” has an active investment strategy for a potential to earn more in the long-term. Participation in this plan does not guarantee profit and the historical performance does not guarantee similar yield in the future.

Choose what suits you best!

Why choose Swedbank’s 2nd pillar pension plan?

At the moment, 97% of savings in life-cycle plans are invested in sustainable development
Investments in development of Latvia
Smart investments for bigger profit potential
Low fees

You can sign up for the 2nd pension pillar via latvija.lv portal.

By applying for the 2nd pension pillar, I agree to my personal data (given name(s), surname, identity number) being made available to the State Regional Development Agency (VRAA) for provision of the respective e-service. The asset manager is Swedbank Ieguldījumu Pārvaldes Sabiedrība AS and the asset custodian is Swedbank AS, having their seat at Balasta dambis 1a, Riga, LV-1048. The 2nd pension pillar investment plan prospectuses and historical performance are available here. The suitable pension plan is determined based on the customer’s age. The pension plan “Dynamics” has a moderately active investment strategy for a potential to earn more in the long-term. Participation in this plan does not guarantee profit and the historical performance does not guarantee similar yield in the future.

Choose what suits you best!

Why choose Swedbank’s 2nd pillar pension plan?

At the moment, 97% of savings in life-cycle plans are invested in sustainable development
Investments in development of Latvia
Vast experience and professionalism
Low fees

You can sign up for the 2nd pension pillar via latvija.lv portal.

By applying for the 2nd pension pillar, I agree to my personal data (given name(s), surname, identity number) being made available to the State Regional Development Agency (VRAA) for provision of the respective e-service. The asset manager is Swedbank Ieguldījumu Pārvaldes Sabiedrība AS and the asset custodian is Swedbank AS, having their seat at Balasta dambis 1a, Riga, LV-1048. The 2nd pension pillar investment plan prospectuses and historical performance are available here. The suitable pension plan is determined based on the customer’s age.

Choose what suits you best!

Why choose Swedbank’s 2nd pillar pension plan?

At the moment, 97% of savings in life-cycle plans are invested in sustainable development
Investments in development of Latvia
Vast experience and professionalism
Low fees

You can sign up for the 2nd pension pillar via latvija.lv portal.

Sign up via latvija.lv

By applying for the 2nd pension pillar, I agree to my personal data (given name(s), surname, identity number) being made available to the State Regional Development Agency (VRAA) for provision of the respective e-service. The asset manager is Swedbank Ieguldījumu Pārvaldes Sabiedrība AS and the asset custodian is Swedbank AS, having their seat at Balasta dambis 1a, Riga, LV-1048. The 2nd pension pillar investment plan prospectuses and historical performance are available here. The suitable pension plan is determined based on the customer’s age.

New! 100% equity investment plan - Dynamics Index that closely tracks the index of developed economies.

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The plan 1990+ suits you well because:

You’re born in 1995;
You have more than 40 year left until the retirement age;
There’s time to make dynamic investments for higher profit potential

If you’re not yet a participant of this plan - sign up!

You can check your currently selected 2nd pillar pension plan at the portal latvija.lv.

Reports and prospectuses

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The plan 1980+ suits you well because:

You’re born in 1985;
You have more than more than 30 year left until the retirement age;
There’s time to make dynamic investments for higher profit potential.

If you’re not yet a participant of this plan - sign up!

You can check your currently selected 2nd pillar pension plan at the portal latvija.lv.

Reports and prospectuses

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The plan 1970+ suits you well because:

You’re born in 1975;
You have more than 20 year left until the retirement age;
With the retirement age drawing closer, investments must be made prudently for higher profit potential.

Reports and prospectuses

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The plan Dynamics suits you well because:

You have more than 15 years left until the retirement age, hence now you can invest more actively with a possibility to accrue more.

If you’re not yet a participant of this plan - sign up!

You can check your currently selected 2nd pillar pension plan at the portal latvija.lv.

Reports and prospectuses

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The plan Stability suits you well because:

You have less than 5 years left until the retirement age, hence now you can invest more actively with a possibility to accrue more.

If you’re not yet a participant of this plan - sign up!

You can check your currently selected 2nd pillar pension plan at the portal latvija.lv.

Reports and prospectuses

The current accrual is specified according to the average amount of accrual at the particular age based on statistical data from VSAA as of 01.07.2021.

See your 2nd pension pillar accrual

Years until retirement
0
Recommended plan for you
0
Forecasted accrual
0€

Sing up for/change 2nd pension pillar plan

Assumptions of calculation

Assumptions of calculation

The calculations are for information only. The calculations are based on the assumption that:

the current 2nd pension pillar accrual is specified according to the average amount of accrual at the particular age based on statistical data from VSAA as of 01.07.2021. You can check your current 2nd pension pillar accrual on the portal www.latvija.lv at “An account statement of a participant of the State-funded pension scheme (2nd pension pillar)” under “Fondētās pensijas kapitāls perioda beigās” (Funded pension capital at the end of period) - “Uzkrātais kapitāls” (Capital accrued).
The amount of the expected accrual is specified considering the tax rates currently stipulated in the law and a 2% future annual inflation rate. Tax relief is not taken into account in the calculation. The amount of accrual has been calculated assuming that the person starts receiving the pension upon attaining the retirement age of 65 years.
The expected 2nd pension pillar savings are made with one of the pension plans offered by Swedbank - “Stabilitāte”, “Dinamika” or the life-cycle plans “1970+”, “1980+”, “1990+” with the average notional annual yield on investments in equities - 7% and in bonds - 2%, less any fees set forth in the prospectus. The suitable 2nd pension pillar plan has been determined based on the customer’s age. If the suitable plan is “Dinamika”, then it is assumed that it will be switched to the “Stabilitāte” plan 5 years before the retirement age.
The actual pension plan yield may differ from values used in these calculations and the historical yield does not guarantee an equivalent yield in the future.

We - Swedbank Ieguldījumu Pārvaldes Sabiedrība AS* - are the largest 2nd pillar pension manager in Latvia: as of end of June 2019, the number of participants of our managed 2nd pillar pension plans exceeded 538,000 and the amount of assets under management was over 1.68 billion euros. We offer to our clients the conservative Swedbank pension asset investment plan Stabilitāte (Stability), the active Swedbank pension asset investment plan Dinamika (Dynamics), as well as active life-cycle funds for broad range of age groups: Swedbank investment plans "1970+", "1980+" and "1990+". We also are managing assets of Swedbank 3rd pillar pension plans. We are the only 2nd pillar pension manager in Latvia who has so wide range of lifecycle plans.

We act as a responsible fund manager and consider the potential long-term impact of our investment decisions on environmental, social and corporate governance factors. We are actively involved in promoting sustainability, calling on companies and investment funds to respect and promote sustainable action. We refrain from direct invetsments in companies that do not comply significantly with the principles of sustainability in their activities.

Our managed pension plans have repeatedly been awarded as the best ones in several categories in Central and Eastern Europe by the Investment and Pensions Europe (IPE). Swedbank's 2nd pillar pension plan Dinamika was recognized by IPE as the best one in Central and Eastern Europe in 2013, 2016 and 2017, whereas in IPE's Real Estate Global Awards 2016 Swedbank's 3rd pillar pension plan Dinamika+60 received an award as the best investor in real estate among Eastern European and several big Western European countries.

We are a subsidiary of Swedbank Robur AB (Sweden), a Swedbank Group company. We manage assets in cooperation with one of the largest asset management companies in the Nordic region Swedbank Robur Fonder, which is active since 1967 and is also a Swedbank Group company. Hence, the 2nd and 3rd pillar pension assets are managed drawing on Swedbank Robur Fonder's vast experience in international markets, combining it with our local market expertise.

Useful information

* Swedbank Ieguldījumu Pārvaldes Sabiedrība AS, unified registration number in the Commercial Register: 40003337582; address: Balasta dambis 15, Riga, LV-1048.
3rd pension pillar – the pension plans offered by the private pension fund Swedbank Atklatais Pensiju Fonds AS, address: Balasta dambis 15, Riga, Latvia: Stability+25, Dynamics+60, Dynamics+100 and Dynamics+USD.
The asset manager for the 2nd and 3rd pension pillar - Swedbank Ieguldijumu Parvaldes Sabiedriba AS, the asset custodian - Swedbank AS, address: Balasta dambis 15, Riga, LV-1048.

Swedbank Investment Plan 1990+

Designed specially for those born in/over the year 1990, allows a more active investment strategy. The plan is suitable also for participants with appetite for higher investment risk.
The only plan in Latvia where investment risk gradually decreases depending on the savings time horizon. The plan strives to create as large savings as possible for the old age, while maintaining investment safety as the time of withdrawing the funds approaches.
At the start of the plan, the permitted weight of exposure to equities will range between 55% and 75% whereas closer to the date of exiting the plan will fluctuate between 0 and 15% in order to achieve optimum investment performance throughout the saving period.

"Swedbank Ieguldījumu Pārvaldes Sabiedrība" AS, the pension fund manager, offers different pension plans. Select a pension plan that suits you best!

It’s the money you’ll receive when you retire. Currently, 6% of your gross salary goes to 2nd pension pillar without any extra cost to you. When you retire, the 2nd pension pillar will be a significant source of your income.

Find out more about pension savings

In managing pension investments, we strive to grow your savings in the long-term, so we invest the assets in hand-picked companies, government securities and real estate funds.

Pension plan performance
Investment lists

Money under your 2nd pension pillar will accrue for many more years to come, so safety is key. Swedbank is a bank with history dating back nearly 200 years. For additional safety, 2nd pillar pension accrual is held sparely from the assets of the management company or the bank.

You can check your 2nd pension pillar accrual via the portal latvija.lv.

See 1st pension pillar accrual
See 2nd pension pillar accrual

If you’ve born after 1 July 1971, then you’re automatically a 2nd pension pillar participant. For those born between 2 July 1951 (inclusive) and 1 July 1971 (inclusive), participation in 2nd pension pillar is voluntary. The 2nd pension pillar manager may be changed once per calendar year and the pension plan - twice a calendar year.

Choose / change 2nd pillar pension plan

Money under your 2nd pension pillar will accrue for many more years to come, which makes it important to entrust their management to an experienced and professional management company. Our pension plan assets are managed in cooperation with Swedbank Robur which is an internationally acclaimed asset management company with over 50 years of experience.

Find out more about the management company

By choosing Swedbank you make sure your money is invested into companies that care about fair wages, gender equality, climate change mitigation, responsible consumption and production. Besides, sustainable pension funds tend to be more resilient to the shocks such as financial crisis or pandemic.

Follow your values by choosing a pension manager with sustainability ambitions. Did you know that more than 2.1 billion euros (84% of total savings in pension plans) of Swedbank’s 2nd and 3rd pension pillar plan assets are directed to sustainable investments as of the end of 2020?
Sustainable pension funds refrain from investing in harmful industries. Swedbank has a “blacklist” of companies if which we don’t invest. You can be sure that your money does not support arms industry, coal mining, human rights violations.
You can always check if your pension manager pays attention to sustainability of investments.
For example, Swedbank Ieguldījumu Pārvaldes Sabiedrība has its own responsible investment policy.

Investors are actively directing money to sustainable investments.

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Source: International Institute for Sustainable Developments

Support sustainable business with your pension savings

When money is invested in sustainable companies, it contributes to social and environmental well-being and responsible business. Click on different areas to find out the impact.

Society

Employee health & well-being
Human rights
Gender equality
Non-Discrimination
Fair pay

Environment

CO₂ Emissions
Energy usage
Natural resource usage
Waste and pollution
Climate change mitigation

Governance

Business ethics
Transparency
Anti-corruption
Reporting
Responsible suppliers

Documents and information which are published based on the requirements of Regulation (EU) 2019/2088 of the European Parliament and of the Council on sustainability‐related disclosures in the financial services sector, can be found here.

About inheriting 2^nd pillar pension capital

Starting from 1 January 2020, 2^nd pension pillar participant who has not yet claimed an old age pension will be able to choose one of the three options for using their accrued capital which will take effect in case the participant dies before the old age pension is granted.

The first option is to add their accrued 2^nd pillar pension capital to the 2^nd pillar pension capital of a person designated by the participant. Only one such person may be designated and they also must be a participant of the 2^nd pension pillar. If the person designated is not a participant of the 2^nd pension pillar on the day of death of the designating person, then the accrued capital will be inheritable according to the procedure laid down in the Civil Law.
The other option is to make the 2^nd pillar pension capital inheritable under the Civil Law. After completing the set procedure and submitting documents to notary public (and assessment of the documents), the inherited 2^nd pillar pension capital will, at the option of the heir, be either added to the 2^nd pillar pension capital of the heir or transferred to the heir’s current account (in euro). If the heir is not registered in Latvia or is a legal entity, the inherited amount will only be received in the heir’s current account. Heirs may lay their claim within 10 years of the day of death of the participant. If no heirs lay claim during that time period, the capital will be transferred to the state pension special budget.
The third option is to transfer the accrued 2^nd pillar pension capital to the state pension special budget. In such an event the capital will be taken into account in calculation of the breadwinner loss pension for persons who were in the care of the deceased participant.

Inheriting of the capital or adding it to the pension capital of the designated person will be subject to some limitations

Firstly, inheriting of the capital or adding it to the pension capital of the designated person in its entirety will only be possible for the capital accrued starting from 1 January 2020; the accrued funded pension capital registered as of 31 December 2019 will be possible to be inherited or added to the designated person’s capital only to the amount of 80%. 20% of that capital will be transferred to the state pension special budget.
Secondly, if a 2^nd pension pillar participant dies before reaching the pension age and none of the accrued capital inheritance options had been chosen or if the accrued capital does is below 35% of amount of the state social security benefit (currently, 38.15 EUR), the capital will be transferred to the state pension special budget.

Good to know

The 2^nd pension pillar participant will be allowed to change their choice an unlimited number of times.
The application on using the 2^nd pillar pension capital in case of their death may be submitted by the participant to the State Social Insurance Agency (VSAA) starting from 1 January 2020 via portal www.latvija.lv or by sending it to the VSAA electronically with e-signature and time stamp or in person at VSAA customer service centres.
One can find out the amount of their accrued 2^nd pillar pension capital at the portal www.latvija.lv using the e-service “Account statement of a participant of the state-funded pension scheme” or at VSAA customer service centres.
More detailed information is available on the website www.vsaa.gov.lv provided by VSAA.

Upon old-age retirement, the capital accrued under 2nd pension pillar may be accessed:

by adding the pension to the capital accrued under the 1st pillar and receiving pension payments under both pillars each month together, or
by taking out life pension insurance policy (‘life annuity contact') where the capital accumulated under the 2nd pension pillar is entrusted with an insurance company of your choice and the pension is paid from the 2nd pillar with set regularity (on a monthly, quarterly, annual basis).

In both cases payout of the requested pension continues in the agreed amount until the end of the participant's life.

A beneficiary, who may be any person, can be named in the life annuity contract. From the day of death of the insured person (‘the annuitant') until the end of the guaranteed annuity payout period, the beneficiary is paid the annuity that the annuitant was entitled to.

Further information on payout of 2nd pillar pension is available from the State Social Insurance Agency (VSAA).

Starting from 1 January 2020, 2nd pension pillar participant who has not yet claimed an old age pension will be able to choose one of the three options for using their accrued capital which will take effect in case the participant dies before the old age pension is granted. More detailed information is available in the section About inheritance.

Service	Price
Using
Fees from savings (per year):	Pension investment plan
Fees from savings (per year):	1990+	1980+	1970+	Dynamics	Stability	Dynamics Index
- Invariable remuneration	0.43% Including invariable remuneration: - to the asset manager 0.34% - to custodian bank 0.09%	0.43% Including invariable remuneration: - to the asset manager 0.34% - to custodian bank 0.09%	0.43% Including invariable remuneration: - to the asset manager 0.34% - to custodian bank 0.10%	0.43% Including invariable remuneration: - to the asset manager 0.355% - to custodian bank 0.075%	0.39% Including invariable remuneration: - to the asset manager 0.31% - to custodian bank 0.08%	0.30% Including invariable remuneration: - to the asset manager 0.21% - to custodian bank 0.09%	The fee is deducted automatically from the accrued amount.
- Variable remuneration to the asset manager	up to 0.05%	up to 0.05%	up to 0.05%	up to 0.05%	0%	0%	The amount of the variable remuneration depends on the pension plan management result and is calculated as set forth in the state-funded pension law.
Switching the plan	Free of charge
Closing
Switching the management company	Free of charge

Effective from 08.11.2021.

If you have any further questions, don’t hesitate to sign up for a remote consultation at a time convenient for you.

About pension plan

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years return*

0.00

If you were born in 1990 and later, or
If the goal is to create as big savings as possible while assuming high investment risk
If you wish the plan’s investment risk to gradually decrease depending on your age

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years return*

0.00

If you were born during between 1980 and 1989, or
If the goal is to create as big savings as possible while assuming high investment risk
If you wish the plan’s investment risk to gradually decrease depending on your age

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years return*

0.00

If you were born during between 1970 and 1979, or
If the goal is to create as big savings as possible while assuming high investment risk
If you wish the plan’s investment risk to gradually decrease depending on your age

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years return*

0.00

If you are younger than 60 years or
If you are ready to take an average risk of your investments

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years return*

0.00

If you are older than 60 years or
If you do not want to risk with your money

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If you’re up to 50 years of age or
If you are ready to take an high investment risk
If you wish to invest by closely following stock market indexes

*Source of return data is quarterly report of respective Investment Plan for 2nd quarter of 2021.
Funds designed specially for born in the certain decade, allow a more active investment strategy. Funds are suitable also for participants with appetite for higher investment risk.
The investment risk of funds gradually decreases depending on the savings time horizon. Funds strive to create as large savings as possible for the old age, while maintaining investment safety as the time of withdrawing the funds approaches.
At the start of funds, the permitted weight of exposure to equities will be up to 100% whereas closer to the date of exiting funds will fluctuate between 0 and 25% in order to achieve optimum investment performance throughout the saving period.

Funds manager "Swedbank Ieguldījumu Pārvaldes Sabiedrība" AS, funds holder "Swedbank" AS, address: Balasta dambis 15, Rīga, LV-1048. 2nd pension pillar plans' catalogues and operating results are available: www.swedbank.lv

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