Information for participants

Your pension in the future depends directly on your chosen pension manager today.

Our investment plans

Luminor Progressive investment plan 

The objective of the Plan is to ensure the growth in value of the investment plan in the long run, by investing up to 75% of the Plan assets in capital securities (equities), alternative investment funds and investment funds, which are allowed to invest in capital securities or financial instruments of comparable risk. The investment plan follows a long-term strategy, which allows for significant short-term fluctuations in the value of the investment plan. The investment plan may be recommended to those participants who are at least 20 years before their retirement age, or those who are ready to accept significant volatility of the value of the investment plan. The performance of the plan is not guaranteed.

Luminor Active investment plan

This strategy is appropriate if you are willing to accept significant capital fluctuations and expect potentially higher returns in the long run. Up to 50% of assets can be invested in equities – companies’ stocks and similar types of investment. The remaining funds will be invested in fixed-income financial instruments: government and corporate bonds, bills, deposits with credit institutions and other similar types of investment. The plan assets are mostly placed in global investments. 

Luminor Balanced investment plan 

The investment plan strives to higher return on investment in the long run by using well-balanced investment strategy providing for investment of up to 25% of the investment plan assets in equities and other financial instruments that carry similar risks. The majority of assets are placed in the Baltics 

Luminor Conservative investment plan 

This investment strategy is appropriate if you are looking for a safe and stable, yet modest return. All assets are invested internationally in fixed-income instruments, namely, government and corporate bonds, bills, deposits with credit institutions and other similar types of investment. 

Luminor index investments plan Sustainable Future

Up to 100 % of the funds of the plan are invested into global equities, by investing into equity index funds, which are replicating equity market indexes compliant with ESG criteria. The investment plan follows a long-term strategy, which allows for significant short-term fluctuations in the value of the investment plan. This plan is suitable for you if you are at least 15 years before the retirement age, are willing to take a high investment risk with a higher return in the long run and want to support the sustainable future of our planet by helping companies that promote social welfare, care for the environment and responsible entrepreneurship.

All documents are in Latvian.

Current reports and statements of pension investment plans
Complaints and feedback handling