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Which is more beneficial: pillar I or pillar II?
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…
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Tuleva management report 2024
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,…
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[Updated 2025] Tuleva pension funds: where do we invest and which fund is right for you?
In spring 2016, 22 Estonian entrepreneurs and prominent public figures made a promise to one other to help make pension saving more cost-effective for people in Estonia. We established Tuleva. The birth of better pension funds was made possible by the 3,000 Tuleva members who teamed up with the founders right from the first months. Today, the dream is…
How do we use membership fees?
Membership fees are used to develop the Association and to represent the interests of members. The fees of our first members were used to raise the fund’s initial capital, introduce Tuleva to the general public, and make preparations to start the fund, including application for an activity license from the Financial Inspectorate. From this point forward, membership fees will be used for the following activities:
- Membership community management and communication
- Development of Tuleva’s web page, blog, and other informational channels
- The creation of proposals and influence analysis to improve the Estonian pension system, in cooperation with the Ministry of Finance and other state organizations
- Development of Tuleva’s IT systems
- Preparation and analysis of voluntary savings products and Third Pillar options