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III pillar

Have you thought you would like to invest but don’t know where to start? There are many possibilities, but if you keep your money in your current account, you will lose the potential returns and the value of your money will decrease over time due to inflation. If you want to make your money earn for the future, the third pillar is one of the easiest and best ways to do that.

Why start collecting in the third pillar?

Income tax refund

Next year, the state will refund income tax on the amount you invested this year. The refund will be made for an amount not exceeding 15% of your gross annual income or 6,000 euros per year.

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Flexible payments

You can transfer money to your third pillar account in both lump sums and monthly contributions. If necessary, you can suspend payments.

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Disbursements at the appropriate time

You can use the collected money at a time that suits you as soon as you need it. However, taxes may apply to withdrawals. In addition, you can also take advantage of a funded pension with income tax relief at pension age.

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Updated LHV III pillar pension funds

At LHV, you can choose between three different III pillar pension funds, now with no entry and exit fees as well as low management fees. Whether you prefer an index fund with the lowest costs, support the green transition or prioritise diversified investments, you will find a suitable option in our range of funds.

3 easy steps to join the LHV III pillar

It will take a few minutes to join the third pillar. You can just as easily switch funds later.

  • Enter LHV self-service. If you are not a customer of LHV Bank, you can subscribe through your home bank.

  • Submit a third pillar selection application. In your selection application, you can choose multiple funds and indicate how your contributions will be split.

  • Add payment. The easiest way to do this is to use a pre-filled payment form.

Let us know if you have any questions

Together we will find the right solution.

Reet Roos
pension consultant
Mon–Fri 8–17
680 2743
Sign up for a consultation

Do you prioritise low management costs?

Indeks III

LHV Pensionifond Indeks III is suitable if
  • you are prepared to tolerate the risks arising from potentially significant fluctuations in equity markets,
  • you have previous investment experience.

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Do you support the green transition?

Roheline III

LHV Pensionifond Roheline III is suitable if
  • 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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Do you prefer risk diversification?

Aktiivne III

LHV Pensionifond Aktiivne III is suitable if
  • you have medium risk tolerance,
  • you are aware of investment risks and wish to make long-term investments in a supplementary funded pension, with the aim of using the accumulated money tax-effectively after reaching retirement age.

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