• A new option to acquire Tuleva’s membership capital

    Annika Uudelepp 28. May 2025

    Starting on 28 April, Tuleva members could vote at the Tuleva association’s general meeting, where we also amended our articles of association. The most important change was the addition of a new option for members to acquire and transfer membership capital between each other. We’re not an ordinary pension fund. Tuleva is owned by the…

  • Which is more beneficial: pillar I or pillar II?

    Sten Andreas Ehrlich

    Is saving in pillar II really worth it? Some argue that the pillar I is more beneficial. Others even warn that contributing to pillar II could be harmful. So how do they actually compare? For most people, saving in pillar II is beneficial, because: pillar II belongs to you – you decide how and when to use it; it…

  • We made the terms of our pension funds more precise

    Tõnu Pekk 14. May 2025

    We updated the terms of our pillar II and pillar III funds. The goal of these changes is to bring the terms fully in line with our investment strategy and clarify some unclear wording. The portfolios themselves are not changing. Tuleva’s fund terms differ from most other Estonian pension funds in one important way: while…

  • Income tax return: invest your tax refund in pillar III

    Tuleva 11. March 2025

    Why is it wise to reinvest your income tax refund in your future right away? Because it’s just such a great way to take that first step without having to give up any of your regular income.  Whether you’ve been putting off getting started with investing or already have a plan, don’t forget the basics….

  • Fees drop again, and clearer recommendation to invest in an equity fund

    Tõnu Pekk 4. March 2025

    We implemented two positive changes in our funds. First, we lowered fees once again — now, the ongoing fees for all Tuleva funds are just 0.31%. Second, we clarified our recommendation to save in an equity fund regardless of age. The goal remains the same: to create the best conditions for growing our money as savers….

  • Tuleva management report 2024

    Tõnu Pekk 23. January 2025

    Dear Tuleva members and investors, The year 2024 was marked by three significant milestones. First and foremost, we, as savers, once again managed to increase our contributions: together, we set aside 130 million euros from our salaries over the year, and more than 14,000 people decided to raise their contributions to the second pillar. Second,…

  • The court significantly reduced Tuleva’s fine

    Tõnu Pekk 20. November 2024

    At the beginning of the year, we appealed the Financial Supervision Authority’s decision to fine Tuleva 100,000 euros for shortcomings in our advertising. The court acknowledged deficiencies in the advertisements but concluded that Tuleva’s fault was minor. As a result, the fine was reduced to 17,500 euros. Pension fund information must be understandable to everyone…

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