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New tax benefit for pension savings. What is the 2-4-6 reform?
From January 2024, you can apply to increase your second-pillar contributions from 2% to 4% or 6% of your salary. Contributions based on your application will be made starting from 2025. This change is to your benefit, as it allows you to take better advantage of tax reliefs when saving. I am definitely going to…
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Lower fees for Tuleva funds!
Tuleva investors will benefit from reduced fees once again! At Tuleva, we believe that the more investors join our ranks, the less everyone should pay in fees. This core principle drives our operations. Thanks to the remarkable growth in our assets, which have increased by 160 million euros since the beginning of the year, we…
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Tuleva management report for first half of 2023
If you have just a 1 minute to read: Since the beginning of the year, world stock markets and the prices of Tuleva’s World Stocks Pension Fund and Tuleva’s Third Pillar Pension Fund units have increased by 15%. Over the past five years, the price of a unit in Tuleva’s World Stocks Pension Fund has…
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How to talk about pension fund performance?
Performance is the buzzword of pension fund marketing. Swedbank writes: “The bar is high. And fees low.” LHV claims to be the only one to increase the value of funds since early 2022. And Tuleva says its “performance will never lag far behind the average of the world securities markets”. How do you know who…
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[Updated in 2024] How to make the most of your third pillar pension?
The third pillar is an excellent way to save for your future. It offers a simple and automatic investment option where you can invest your money in broad-based index funds. In addition, the Estonian state provides support through an income tax rebate on the amount you save. Thanks to the tax rebate, the third pillar…
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Wise added to Tuleva’s portfolio
In May, MSCI, the world’s largest compiler of stock market indexes, included the first Estonian company, Wise plc, in its global equity market indexes. As a result, Wise shares were added to our pension fund portfolio. Interestingly, just a few months earlier, MSCI had removed Western Union, a company operating in a similar sector but…
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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