III pillar

Luminor Aktsiad 100 Pensionifond
Active Management
10%
-10%
10%
10 year net yield
10%
-10%
10%
5 year net yield
10%
-10%
10%
3 year net yield
10%
-10%
10%
2 year net yield

Suitable if

  • your saving period is over 10 years long,
  • you tolerate potential short-term decrease,
  • your goal is to achieve potential above average return on assets in the long term despite short-term fluctuation in prices.

Details for making a payment in the fund

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Unit NAV
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Strategy
Fund may invest all funds in equity and assets with similar risk. If necessary, depending on the market situation, the fund may invest 100% of its assets in bonds or deposits to ensure retention of assets in turbulent times.

Performance
From beginning
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Current year
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The Fund's return is expressed as the net yield after deduction of all fees.

Entry fee: 1%

Exit fee: 1%

Management fee: 1.5%

Ongoing charges (inc management fee): 2.12%

Ongoing charges are based on expenses for the last calendar year, ie 2020. Ongoing charges may vary from year to year.

Disbursements

Pension agreement

The state does not tax payments from the 3rd pension pillar if you have concluded an insurance contract under which regular pension payments will be made to you for the rest of your life.

See more at Pensionikeskus.ee

Resale of shares

Fund shares can always be sold, in which case income tax applies. After turning 55, but not before five years have passed from the initial investment, disbursements are taxed a rate of 10%.

The third pillar savings can also be bequeathed

The heir can then decide what to do with the inherited assets—whether to transfer them to their pension account or to withdraw the amount in cash.
Income tax of 20% applies to cash withdrawals.