2nd pillar pension

Take care of your savings right now, although when you retire you can continue to enjoy life. Savings at Luminor 2nd pillar pension can increase your pension by investing part of the social contributions in the financial and capital market.

Why to choose the Luminor 2nd pension pillar

Choose the most suitable investment for you

Customer's age Maximum proportion of stocks** Investment plan
up to the age of 50 Up to 100%
Up to 75%
Luminor index investments plan Sustainable Future or
Luminor Progressive investment plan
from 50 up to age of 55 Up to 50% Luminor Active investment plan
over age of 55 Up to 25% Luminor Balanced investment plan or
Luminor Conservative investment plan

*​According to manapensija.lv data
**Proportion of stock - the maximum limit for investing pension plan assets in equity securities - company stock and other similar types of investments

Start preparing for old age now!

Applying to 2nd pillar pension is easy!



Apply for your 2nd Pillar Pension at latvija.lv


Fill application

When filling application, choose most suitable pension plan


Submit application

Submit application

Necessary documents

  • Passport or eID card

Choose us as your pension manager!

See also: Alternative pension, Programs for customers, Become a customer, Banking packages

Important! State-funded pension plan participants can change their pension fund manager once a year, and change the pension plan with the same fund manager twice a year.

Pension plan prospectuses, as well as other information about pension plans and asset managers may be obtained:
- in the State Social Insurance Agency
- at the fund manager's Luminor Asset Management IPAS, Skanstes St. 12, Riga
- in the custodian bank Luminor Bank AS Latvian branch and its Customer Service Centers, phone +371 6717 1880

Pension plans` performance