• Tuleva 2020 management report
    Tuleva 2020 management report
    Tõnu Pekk 1. March 2021

    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…

  • Why doesn’t Tuleva speculate on market sentiment?
    Why doesn’t Tuleva speculate on market sentiment?
    Tõnu Pekk 19. February 2021

    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…

  • 2019 Management report
    2019 Management report
    Tõnu Pekk 27. February 2020

    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…

  • Third annual summary: What have Tuleva members already achieved?
    Third annual summary: What have Tuleva members already achieved?
    Tõnu Pekk 27. March 2019

    Each of the 4,050 owners of Tuleva, which will soon be three years old, has contributed 100 euros to help build a financial company unique in Estonia, born of people’s own initiative. What have we achieved with this money? Estonia’s first fintech owned by the users themselves Imagine a world in which Amazon is owned…

  • 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,…

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