It is worth noting that the calculation of income tax refunds for the third pillar is based on the calendar year. It doesn’t matter when or how many contributions you make. Therefore, you can calculate your total income for this year now and make contributions to the third pillar for the entire year or in…

After Parliament lifted restrictions on the use of the second pillar, the assets you accumulated in the second and third pillars are really yours. You can use them as you wish; you can take them out all at once or pay yourself a pension supplement every month. You can also keep your assets growing in…

I have a good feeling as I’m writing this report. 2020 was a great year for us. It seems to me that all our previous years’ work has really borne fruit last year, thanks to some supportive external events. Most people save less than they would like. Tuleva connects with people who want to improve…

There are two types of investors. Those who buy stocks for a long term to take part in the companies’ growing profits. And others that buy and sell often, hoping to take advantage of temporary market deviations. Tuleva has chosen the first path – our joint pension fund is a passive, consistent investor with a…

You can build a very decent investment portfolio in a quarter of an hour if you make the second and third pension pillars work for you. With all the information noise around the pension pillars lately, we tend to forget the basics. Instead of pondering whether or not to take out the second pillar money,…

Once in a while a friend, relative or Tuleva member asks me for tips on how to start investing. I tell them what I have already described in the previous chapters: it is wise to start with the second and third pension pillars. I don’t know a more logical tool for saving money – the…

Dear Tuleva member, 2019 was a landmark year for Tuleva. We achieved the goals we set at the beginning almost three years ago. We have successfully launched our joint second pillar, and now also the third pillar, pension funds. In other words, while politicians are still arguing about pension savings, we Tuleva members have already…

Since you brought your money from the old bank pension fund to an index fund, the return has been much better. You can be satisfied! But what if one day you see a minus instead of growth in your account? Let’s take a closer look at the example of the already familiar Laura. In Chapter…

Do you tend to forget the simple truth that seemingly boring but actually highly leveraged pension funds are the basis of a smart investor’s portfolio? Why did thousands of active people – valued professionals in their fields – come together to form Tuleva Association and go into pensions, the most boring business in the world?!…