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We’ll make sure your pension grows

Instead of broad-based indexes, we prefer to manage assets actively: we monitor the surrounding environment and invest in different asset classes.

Join
  • Best Pension Funds of 2022
    We have promised that our pension funds will endure crises. Last year, only the assets of LHV pension funds XL, L, and M clients grew at the expense of positive returns.
  • Wisely managed risks
    Decisions are made by a strong investment team, spreading risks between different asset classes such as real estate, the forest, and loans to local businesses and private equity funds. This gives you greater confidence that your assets are protected.
  • The number 1 pension grower in Estonia for 20 years
    When investing pension money, the most important thing is the result, i.e., the highest possible long-term return. By avoiding bigger losses and making investments with better returns, we preserve and grow your assets over the years.

Kristo Oidermaa

Fund Manager at LHV

„For me, it’s about results, not just low management fees. I am saving in the XL and L funds.“

Joel Kukemelk

Fund Manager at LHV

"‘It’s important for me to invest in future trends. I’m saving in the fund Roheline.“

Mikk Taras

Fund Manager at LHV

„It’s important for me that risks are diversified. I’m saving in fund L.“

LHV II pillar pension funds

At LHV, you can choose from seven II pillar pension funds, which can be divided into four larger groups.

Three easy steps to join the LHV II pillar free of charge

  • Log in to the self-service or use the app.

  • Remove the existing fund from your portfolio, choose a suitable LHV pension fund, and set its proportion to 100%. Then proceed.

  • Set up your monthly contributions, confirm them, and that’s it.

More than 125,000 clients are already growing their pensions wisely. Come and join them.

Meet our investment team

Is your money actively managed?

8. March 2023

Are the risks mitigated?

8. March 2023

Where do the results come from?

8. March 2023

Have you already thought about the III pillar?

Read more

Do you value different investments and risk spreading?

LHV Pensionifond XL is suitable if
  • you have more than 15 years left until retirement,
  • you are prepared to take above-average risks,
  • your aim is the long-term growth of your pension savings.

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Choose this fund

LHV Pensionifond L is suitable if
  • you have more than 10 years left until retirement,
  • you have average risk tolerance,
  • your aim is the long-term growth of your pension savings.

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Choose this fund

LHV Pensionifond M is suitable if
  • you have 3–10 years left until retirement age,
  • you have moderate risk tolerance,
  • your aim is the long-term stable growth of your pension savings.

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Choose this fund

Want to keep the money you have collected?

LHV Pensionifond S is suitable if
  • you have 2–5 years left until retirement age,
  • you have low risk tolerance,
  • your aim is the preservation and modest growth of your pension savings.

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Choose this fund

LHV Pensionifond XS is suitable if
  • you have less than 3 years left until retirement,
  • you have low risk tolerance,
  • your aim is to preserve your savings and avoid losses.

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Choose this fund

Do you prefer low management fees and take higher risk?

LHV Pensionifond Indeks is suitable if
  • you want to invest in financial markets on a continuous basis,
  • you wish to grow your pension pillar at the lowest possible costs,
  • you have prior personal investment experience.

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Choose this fund

Do you believe in a green transition?

LHV Pensionifond Roheline is suitable if
  • you have more than 15 years left until retirement,
  • you are partial to thinking green,
  • you would like to invest your pension funds in an environmentally friendly and sustainable manner.

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Choose this fund

II samba fondidViimase 5 kalendriaasta positiivse tootlusega aastate arvViimase 5 kalendriaasta suurim langusKeskmine aastane tootlus 20 kalendriaasta jooksulKogukulu, sellest fondivalitseja tasu
LHV Pensionifond L5-7,15%6,09%1,95%, sellest 0,62%
LHV Pensionifond M5-3,06%4,21%1,25%, sellest 0,62%
LHV Pensionifond XL4-10,51%5,61%1,73%, sellest 0,62%
LHV Pensionifond S3-3,64%3,30%0,68%, sellest 0,62%
LHV Pensionifond XS3-5,12%2,89%0,55%, sellest 0,51%
SEB Optimaalne Pensionifond3-12,07%-1,01%, sellest 0,70%
Swedbanki pensionifond 1960-69 sündinutele3-12,33%2,21%0,78%, sellest 0,53%
SEB Konservatiivne Pensionifond3-12,95%1,19%0,53%, sellest 0,39%
Swedbanki pensionifond 1970-79 sündinutele3-15,94%3,90%0,77%, sellest 0,53%
SEB Progressiivne Pensionifond3-17,21%3,00%0,99%, sellest 0,70%
Luminor B Pensionifond3-17,79%-1,27%, sellest 0,93%
Tuleva Maailma Võlakirjade Pensionifond3-17,98%-0,41%, sellest 0,29%
Swedbanki pensionifond 1980-89 sündinutele3-27,29%-0,76%, sellest 0,53%
Luminor A Pluss Pensionifond3-29,03%-1,30%, sellest 0,93%
Luminor A Pensionifond3-20,85%-1,33%, sellest 0,93%
SEB Energiline Pensionifond3-24,88%-0,95%, sellest 0,70%
Tuleva Maailma Aktsiate Pensionifond3-25,99%-0,37%, sellest 0,29%
SEB Pensionifond Indeks 1003-33,33%-0,32%, sellest 0,25%
Swedbanki pensionifond indeks 1990-99 sündinutele3-33,54%-0,31%, sellest 0,29%
Swedbanki pensionifond Konservatiivne2-11,90%0,86%0,48%, sellest 0,29%
Luminor C Pensionifond2-19,03%-0,95%, sellest 0,70%
LHV Pensionifond Indeks2-35,51%-0,32%, sellest 0,20%
Luminor Pensionifond Jätkusuutlik Tulevik, Indeks--19,26%-0,52%, sellest 0,25%
Swedbank Pensionifond Indeks--19,35%-0,31%, sellest 0,29%
LHV Pensionifond Roheline--27,03%-0,82%, sellest 0,41%
SEB Pensionifond 100--31,51%-0,91%, sellest 0,70%
Swedbanki pensionifond 2000-09 sündinutele---0,66%, sellest 0,53%

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