Your pension in the future depends directly on your chosen pension manager today.
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.
Luminor Progresīvais ieguldījumu plāns
Key information document
Luminor Aktīvais ieguldījumu plāns
Key information document
Luminor Sabalansētais ieguldījumu plāns
Key information document
Luminor Konservatīvais ieguldījumu plāns
Key information document
Luminor index pension plan Sustainable Future
Key information document
In Latvian
Luminor Asset Management IPAS Financial Statement 2020
Luminor Asset Management IPAS Financial Statement 2019
Luminor Asset Management IPAS Financial Statement 2018
IPAS DNB Asset Management Financial Statement 2017
IPAS DNB Asset Management Financial Statement 2016
IPAS DNB Asset Management Financial Statement 2015
IPAS DNB Asset Management Financial Statement 2014
IPAS DNB Asset Management Financial Statement 2013
IPAS DNB Asset Management Financial Statement 2012
IPAS DNB Asset Management Financial Statement 2011
DNB Fondi Financial Statement 2010
DNB Fondi Financial Statement 2009
DNB Fondi Financial Statement 2008
DNB Fondi Financial Statement 2007
DNB Fondi Financial Statement 2006
DNB Fondi Financial Statement 2005
Luminor Asset Management IPAS
Registration No. 40003699053
Skanstes iela 12, Rīga, LV-1013, Latvija
Account No. LV13RIKO0002013024575
Luminor Bank AS, code RIKO LV 2X
Tel. 1880
E-mail: fondi@luminor.lv
Information related to all pension and investment plans:
Statement on integration of sustainability risks into investment process
Transparency of investments underlying pension plans
Principal Adverse Impacts Statement (PAIS) from 26.05.2021.
Principal Adverse Impacts Statement (PAIS) from 29.12.2021.
Information related to Luminor Index Pension Plan Sustainable Future:
Information, that shall be provided on the web page (Article 10, Sustainable Finance Disclosure Regulations, SFDR)
Information on remuneration policy is consolidated at the group level and is available in Chapter 3 of the Luminor Group Risk Management and Capital Adequacy Disclosure (Pillar 3) report.