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II pillar

The second pillar, i.e. the state pension, ensures that you receive a monthly minimum income. While you are working, you pay 2% of your gross income into the mandatory funded pension, to which the state adds another 4%. The pension that will be paid depends on the amount saved.

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III pillar

If you want to maintain your current lifestyle during your retirement, you should begin saving now in the third pension pillar. Signing up for the third pillar is voluntary; however, unlike real estate or equity funds, this investment is also supported by the state, which refunds the income tax on the sum accumulated therein.

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Find the right fund

As retirement approaches, you are better having a pension fund with lower risk. When opting for the 2nd pillar pension fund, you should consider: how much time you have left until retirement and what level of risk you are willing to take.

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XS or S pension fund

LHV’s S pension fund has a low risk level, since there is no share risk. The fund is suitable if you have only a few years left until retirement and wish to take low risks and be sure the value of your accumulated assets does not fall sharply. If you wish, you can also opt for the XS pension fund with an even lower risk level. Before you make a decision, make sure you review the prospectus outlining the risk level of the fund. Read more

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M pension fund

LHV’s M pension fund has a low to moderate risk level, since only up to 25% of the funds are invested in shares. A decline on the stock markets would also affect the value of a fund unit to an extent. If you have very low risk tolerance, it is a good idea to opt for the S pension fund. Before you make a decision, make sure you review the prospectus outlining the risk level of the fund. Read more

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l
L pension fund

LHV’s M pension fund has a low to moderate risk level, since only up to 25% of the funds are invested in shares. A decline on the stock markets would also affect the value of a fund unit to an extent. If you have very low risk tolerance, it is a good idea to opt for the S pension fund. Before you make a decision, make sure you review the prospectus outlining the risk level of the fund. Read more

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xl
XL pension fund

LHV’s XL pension fund has a high risk level, since 75% of the funds are invested in shares. If stock markets decline, it could lower the value of a fund unit significantly within a short time. If you have low risk tolerance, it is worth considering the L or M pension fund instead. Before you make a decision, make sure you review the prospectus outlining the risk level of the fund. Read more

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Compare performance of the funds


LHV Pensionifond Indeks
LHV Pensionifond XL
LHV Pensionifond L
LHV Pensionifond 50
LHV Pensionifond M
LHV Pensionifond 25
LHV Pensionifond S
LHV Pensionifond XS
LHV Pensionifond Intress
LHV Pensionifond 100 Pluss
LHV Pensionifond Intress Pluss
LHV Täiendav Pensionifond
LHV Pensionifond Indeks Pluss
Nordea Pensionifond A Pluss
Nordea Pensionifond A
Nordea Pensionifond B
Nordea Pensionifond C
SEB Energiline Pensionifond
SEB Progressiivne Pensionifond
SEB Optimaalne Pensionifond
SEB Konservatiivne Pensionifond
Swedbank Pensionifond K4
Swedbank Pensionifond K3
Swedbank Pensionifond K2
Swedbank Pensionifond K1

Graph shows a period starting from . The annual geometrical average rates of return for the last 2, 3 and 5 calendar years of the pension funds are available here.

Investment principles of LHV’s pension funds

viisemann

LHV has been the leader among 2nd pillar pension funds since the funded pension system was established in 2002. We want to allocate your pension savings so that your savings are preserved or grown with the largest long-term yield possible, whatever your chosen risk level.

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How to choose a pension fund

Do not hesitate to ask questions.

Together we will find the right solution.

Reet Roos

pension consultant

Mon–Fri 8–17

680 2743
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