Grow your wealth – achieve your financial goals

Achieve your financial goals

Take your finances to the next level. Learn to plan your budget to cover your needs, build savings for what matters the most, and invest with confidence.

What’s your financial goal?

The right financial plan will depend on the goals you have. Your goals will depend on the stage of life you’re at.

Izveido drošības spilvenu

Nodrošinot iekrājumus 3–6 mēnešu ikdienas izdevumu apmērā, tu vieglāk varēsi tikt galā ar neparedzētām finanšu grūtībām. Lai sāktu veidot drošības spilvenu, atver krājkontu.

Uzzināt vairāk

Uzkrāj naudu lielākam pirkumam

Uzkrāj naudu lielākiem izdevumiem, piemēram, hipotekārā kredīta pirmajai iemaksai vai jaunai automašīnai, izmantojot termiņnoguldījumu. Noguldi naudu atsevišķā kontā uz fiksētu termiņu un ar fiksētu garantēto procentu likmi.

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Parūpējies par savām vecumdienām

Iemaksas pensiju 2. un 3. līmeņa plānos palīdzēs nodrošināt sev papildu ienākumus nākotnē – uzkrāj turīgākām vecumdienām, izmantojot Luminor pensiju plānus! Vairāk par pensiju ieguldījumu ieguvumiem un riskiem uzzini šeit.

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Vairo savu labklājību

Ieguldi akcijās, obligācijās, biržā tirgotajos fondos (ETF) vai ieguldījumu fondos, lai vairotu savus līdzekļus un veicinātu finansiālo neatkarību. Uzzini vairāk par ieguldījumu veidiem Ieguldījumu ABC. Sāc ceļu ieguldījumu pasaulē ar platformu Luminor Investor!

Uzzināt vairāk

Portfolio diversification - 80/20 principle

Dividing your portfolio between 20% short-term and 80% long-term assets helps manage the risk. Short-term assets provide flexibility and lower risk, while long-term assets aim for more significant growth accepting higher risk over time. It’s a balanced approach for your long-term financial planning.

20% for your short-term savings

This part of your portfolio ensures that you have funds available for unexpected expenses or upcoming purchases without dipping into long-term savings.

Emergency fund: Save 3-6 months of living expenses in a savings account for unexpected events such as job loss, medical emergencies, or home repairs.
Short-term goals: Save for goals like a new gadget, a car, a vacation, or a down payment on a home with a savings account or term deposit.

80% for your long-term savings

This part of your portfolio helps to build a better financial future. Such allocation of your assets encourages financial discipline and prioritizes building long-term wealth over immediate spending.

Retirement savings: Invest in pension funds for added financial security in your retirement age and use the available tax benefits.* Read more about the investment benefits and risks here.
Investment portfolio: Turn your savings into long-term investments to meet your personal financial goals with the variety of choices available on the Luminor Investor platform.
Wealth accumulation goals: Save for goals like having your own home, establishing a business, or enjoying financial independence, considering the time horizon and your risk tolerance.

Short-term savings solutions

Savings account
Establish an emergency fund or save for your children’s future.

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Term deposit
Grow your money safely with a fixed interest rate.

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Long-term savings solutions

Pension
Accumulate for your golden years in Luminor pension funds. Be aware of the investment benefits and risks.

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ETF portfolios
Convert your savings into investments with ETF portfolios, managed by BlackRock**.

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Luminor Investor
An investment platform with more than 15,000 financial instruments, including stocks, bonds, ETFs and mutual funds.

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Learn more about asset classes

Investment ABC

Not sure how to get started?

Our experts are ready to provide you with information and solutions to help you achieve your savings and investment goals.

Book a consultation

*The legislation governing the tax system may change in the future. Taxation depends on individual circumstances, including your tax residence, etc.
**Funds are managed by BlackRock Asset Management Ireland Limited.

Before you make your investment decision, please examine carefully the product terms and conditions and other relevant information, as well as any risks related to investments here.
You are on the webpage of financial services' providers Luminor Bank AS, Luminor Liising AS and Luminor Pensions Estonia AS. Before concluding any agreements, please read the terms and conditions and if necessary, consult an expert.