There’s no surer way to increase your future capital than by saving more yourself. Last year, we – Tuleva investors – set aside nearly 30% more money for the future than the year before. In five years, our annual contributions have grown from 35 million euros to nearly 170 million euros.  A rising savings rate…

The Tuleva Additional Investment Fund invests 100% of its assets in global stock markets, just like our Pillar II and III equity funds. When you invest in the Additional Investment Fund, you aren’t just buying fund units – you are gaining a stake in the world’s largest companies. Which companies do you own through the fund?…

In the Tuleva Additional Investment Fund, you can grow your portfolio using the Estonian Investment Account system (investeerimiskonto). We’ll break down exactly who it’s for, why it’s beneficial, and how the technical side works. Who is the Investment Account for and why is it useful? When you earn a profit from investing, you must pay…

The more people save at Tuleva, the less we all pay in fees. The less we pay in fees, the more of the returns we keep for ourselves. This is the essence of Tuleva’s model. Our assets under management have grown by 300 million euros in a year and exceeded the 1.3 billion euro mark….

Tuleva members have a new opportunity to participate even more in Tuleva’s growth: we can transfer membership capital to each other. We don’t choose between low fees, growth and owners’ profit Tuleva was founded by people who wanted better pension funds for themselves and were ready to invest both money and time to achieve this….

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…

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 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…