3rd Pillar Pensions | Luminor

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Pensiju 3. līmenis

3rd Pillar Pensions

After retirement the guaranteed support will compensate your usual income only partly. Luminor 3rd Pillar Pensions provide the possibility to ensure that your income after retirement does not decrease significantly. Moreover, contributions to a pension fund will qualify for essential tax reliefs already now.

Why is it beneficial to save using the 3rd Pillar Pension plans: 

To start saving in Pension Fund:

1

Apply

Apply for 3rd Pillar Pension scheme at any branch

2

Make a transfer

Make a transfer to the account specified in the agreement; indicate your individual membership agreement number.

3

Create a standing order

Create a standing order for not to forget to make the pension contributions.

Progressive Pension Plan:  

  • Up to 75% of the assets are invested into equities, namely – stocks and other similar means of investment. The remainder will be invested in fixed-income financial instruments: bonds, deposits of credit institutions. 
  • Such investment strategy is suitable for the individuals who expect potentially high return and can accept significant asset fluctuations. This is a pension plan with very dynamic investment strategy. 

Balanced Pension Plan:  

  • Up to 25% of the assets are invested into equities, namely – stocks and other similar means of investment. The remainder will be invested in fixed-income financial instruments: bonds, deposits of credit institutions. 
  • This investment strategy is suited to individuals, who are looking for relatively safe and stable, but modest return. 

Useful links

Managers reports
Luminor Latvijas Atklātais pensiju fonds AS gada pārskats par 2017
2017. Gada pārskats par Luminor Progresīvais pensiju plāns
2017. Gada pārskats par Luminor Sabalansētais pensiju plāns 
Ieguldījumu politika - Luminor Progresīvais pensiju plāns
Ieguldījumu politika - Luminor Sabalansētais pensiju plāns
Pensiju prospekts - Luminor Sabalansētais pensiju plāns
Pensiju prospekts - Luminor Progresīvais pensiju plāns
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The procedure for handling of customers’ complaints
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Luminor 3rd Pillar Pension Participation Agreement in Latvian

Luminor pensiju 3. līmeņa pensiju plānus administrē Luminor Latvijas atklātais pensiju fonds, reģ. Nr. 40103331798, Krišjāņa Valdemāra iela 62, Rīga, LV-1013, pārvalda Luminor Pensions Latvia IPAS, Krišjāņa  Valdemāra iela 62, Rīga, LV-1013. Līdzekļu turētājbanka ir Luminor Bank AS.