20 % repayment for the contributions you made*
Receive your savings from the age of 55
The accrued capital can be inherited
Stable long-term performance**
Determine the frequency and amount of contributions yourself
Choose the amount to achieve your goals
Examples for estimates of the accrued pension capital at the age of 65 if you begin your savings at the age of 18, 24, 29, 32, 38, 44, 46, 52 or 60, €
|29 years||38 years||46 years||52 years|
|€ 30||30 325||18 043||8 329||5 343|
|€ 50||50 541||30 072||13 883||8 906|
|€ 100||101 083||60 145||27 766||17 812|
Recommended, if you are 18-44 years old
Potentially high income yield and possible significant fluctuations of capital.
Luminor 3rd pillar pension plans are administered by Latvijas atklātais pensiju fonds, reg. No. 40103331798, Skanstes iela 12, Rīga, LV-1013, and is managed by Luminor Asset Management IPAS, Skanstes iela 12, Rīga, LV-1013. The custodian bank is Luminor Bank AS Latvian branch.
Before choosing the specific pension plan you should consider the following risks:
• the more investments thereunder are being made into stocks and other instruments comparable to them the more risk of income fluctuation this entails (both to positive and negative direction);
• historical income results generated by specific pension plans do not guarantee the same results in the future;
• choose the pension plan with active investment strategy only if you understand the risks it entails and can financially bear them;
• the closer you are to the retirement age the more conservative pension plan would be the best option for you.
Luminor Latvijas atklātais pensiju fonds AS (hereafter - Pension Fund), informs that pursuant to the Clause 29 sub-clause (7) of the Law on Private Pension Funds, the engagement policy and voting rights on behalf of Pension Fund implements manager of funds - Luminor Asset Management IPAS, which engagement policy is available here.