• How to transfer your second pillar to Tuleva?
    How to transfer your second pillar to Tuleva?
    Kristi Saare 31. May 2017

    On average, you will pay three times less in fees with Tuleva than in other pension funds – this means more money is left for you. Our investment rules are based on best practices, which have helped people grow their savings the most. Our fund manager is owned by Tuleva members – they are pension…

  • Tuleva pension funds: where do we invest and which pension fund is the best choice for you?
    Tuleva pension funds: where do we invest and which pension fund is the best choice for you?
    Tõnu Pekk

    About a year ago, 22 people gave each other a promise to help make pension contributions more favourable to Estonian people. These people paid the membership fee and became the founding members of the commercial association Tuleva. The founding members on their own could not have possibly built up the kind of pension funds we…

  • Bonus chapter: Are index funds threatening the health of the world’s securities markets?
    Bonus chapter: Are index funds threatening the health of the world’s securities markets?
    Tõnu Pekk 17. May 2017

    * This article is for those people with a deeper appreciation for securities market theory. If you would simply like to decide which pension fund is suitable for you, you can jump directly to the end. Suitable background music for reading is available here. Today’s Luddites are not textile workers, but rather white-collar investment bankers,…

  • Tõnu’s journal for the first year
    Tõnu’s journal for the first year
    Tõnu Pekk 26. April 2017

    A little more than a year ago, on the 12 April 2016, 22 people each contributed EUR 150 and, in the presence of a notary, signed memorandums of association for Tuleva Tulundusühistu. One month ago, we started up Estonia’s most affordable second pillar pension funds. The time has come to write down the most important…

  • Chapter Four: Are index funds riskier than managed funds? Part II
    Chapter Four: Are index funds riskier than managed funds? Part II
    Tõnu Pekk 5. March 2017

    Part II: What is a risk and why market fluctuations are not the pension savers’ enemy? In Part I of the Chapter, we discussed real-life scenarios which show that, in one way or another, investment is risky, as is life. Even the most brilliant analyst can only hope that his predictions will come true. This…

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