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You can find the most crisis-resilient funds from our selection

Instead of using broad-based indexes, we prefer to actively manage assets. This means that our pension asset investment decisions are made by our strong team who constantly monitors the surrounding environment, looks for the best investment opportunities, and spreads risk across different asset classes. This makes LHV’s investment portfolios unique in the market.

When choosing a II pillar pension fund, you should take into account:

  • How long you have left until retirement and how much you want to risk?
  • How have the funds fared in the long term?

Need help finding a fund?
Compare II pillar funds

Is cheap always the best? No. How effective the fund you choose is at growing your retirement savings depends most on its ability to generate new money. If the rate of return is negative, a low service fee is of little help. Index funds attract with their low management fees because they take less time to manage, but they are no guarantee that your pension fund will be successful.

Do low service fees guarantee the success of a pension fund?

No. In our view, those born in the same decade do not have the same risk tolerance and risk appetite. Perhaps when you reach the age of 55, you would like to continue saving up in a fund with a higher proportion of equity than the default below 50%? We believe that the best choices are well thought out and must change over time, just as you will change over time.

Is a life-cycle fund suitable for everyone?

Yes. Different times create different opportunities, and with active management, decisions are made by experts according to the economic situation – following careful analysis, risks are spread across asset classes such as forest, real estate, raw materials. However, index funds invest all assets in equity indices, and the fund’s performance depends on the performance of equity markets.

Are actively managed funds more efficient than index funds?

Choose the fund that’s right for you

If you want a higher rate of return, you also have to consider a higher risk. As a rule, the more a fund invests in stock markets, the higher the risk level of the fund. As people tolerate risk differently, the choice of fund should be well thought out and meaningful; for example, with a life-cycle fund, you cannot decide how much risk you are willing to take at any given time. You can also split your portfolio between several funds – you decide what works best for you.

Fund XLFund indeksFund roheline

High risk level

If you have a high risk tolerance, pension funds with the highest proportion of equities or equity funds may be suitable. Examples include LHV funds XL, Indeks, and Roheline.

Fund LFund M

Medium risk level

If you feel you would like a slightly lower proportion of equity, take a closer look at the L or M fund.

Fund SFund XS

Low risk level

If your aim is to preserve money, go for the S or XS.

Compare II pillar funds

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An error occurred. For further information contact our customer support on 6 800 400 or info@lhv.ee.
There is a transaction associated with the fund taking effect on
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In my portfolio
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Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
222
Fund investors
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Number of units
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Unit NAV
Profit/loss %
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2
1
7
Risk level
20.61%
0%
100%
Invests into Estonia
2562
Fund investors
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2
1
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Risk level
28.24%
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Invests into Estonia
4205
Fund investors
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2
1
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Risk level
37.29%
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Invests into Estonia
6472
Fund investors
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3
1
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Risk level
25.89%
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Invests into Estonia
51616
Fund investors
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4
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Risk level
18.37%
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Invests into Estonia
25562
Fund investors
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6
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Risk level
0.00%
0%
100%
Invests into Estonia
23002
Fund investors
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4
1
7
Risk level
7.09%
0%
100%
Invests into Estonia
10929
Fund investors
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5
1
7
Risk level
1.93%
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100%
Invests into Estonia
11902
Fund investors
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4
1
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Risk level
4.44%
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100%
Invests into Estonia
1070
Fund investors
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4
1
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Risk level
3.69%
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100%
Invests into Estonia
2871
Fund investors
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6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
30980
Fund investors
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3
1
7
Risk level
22.72%
0%
100%
Invests into Estonia
5566
Fund investors
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4
1
7
Risk level
17.97%
0%
100%
Invests into Estonia
23284
Fund investors
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Unit NAV
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5
1
7
Risk level
12.89%
0%
100%
Invests into Estonia
67486
Fund investors
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In my portfolio
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Number of units
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Unit NAV
Profit/loss %
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5
1
7
Risk level
9.07%
0%
100%
Invests into Estonia
56082
Fund investors
There is a transaction associated with the fund taking effect on
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In my portfolio
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Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
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6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
57877
Fund investors
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In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
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3
1
7
Risk level
16.04%
0%
100%
Invests into Estonia
5712
Fund investors
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In my portfolio
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Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
22.80%
0%
100%
Invests into Estonia
2600
Fund investors
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In my portfolio
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Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
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5
1
7
Risk level
11.65%
0%
100%
Invests into Estonia
39517
Fund investors
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In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
5
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
30656
Fund investors
There is a transaction associated with the fund taking effect on
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In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
1632
Fund investors
There is a transaction associated with the fund taking effect on
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In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
9.04%
0%
100%
Invests into Estonia
23299
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
3.06%
0%
100%
Invests into Estonia
5394
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
14784
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
3.44%
0%
100%
Invests into Estonia
4854
Fund investors

Fund performance in previous periods does not constitute a promise or indication of the yield of subsequent periods.

Market overview of pension funds

In a complex environment, it pays to spread risks
Andres Viisemann, Head of LHV Pension Funds

Stock prices continued to rise in March. The S&P 500 index, which tracks the value of large US companies, rose 3.1%, and its European equivalent, the Stoxx50 index, rose 4.3%. Markets expect both the US and European central banks to cut interest rates this year – the only question is when and by how much.

Every fourth euro invested helps the Estonian economy grow

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Reet Roos
Pension Consultant
Mon–Fri 8–17
680 2743
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