• Have a look: how much can you invest tax-free in the third pillar this year?
    Have a look: how much can you invest tax-free in the third pillar this year?
    Kristi Saare 3. December 2021

    As taxes are calculated per calendar year, December is a good time to look at this year’s income and make a possible additional contribution to the third pillar to make the most of the tax incentive. Important! For your contribution to be credited for this year, the money must reach your third pillar account at…

  • Retirement age is approaching: How should you use the assets accumulated in your pension pillars?
    Retirement age is approaching: How should you use the assets accumulated in your pension pillars?
    Tõnu Pekk 19. April 2021

    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…

  • 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…

  • Summary: Become a millionaire in 15 minutes
    Summary: Become a millionaire in 15 minutes
    Tõnu Pekk 3. February 2021

    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,…

  • 5. How can you accumulate more money?
    5. How can you accumulate more money?
    Tõnu Pekk 9. June 2020

    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…

  • 3. Use the tax incentive to leverage your investment portfolio
    3. Use the tax incentive to leverage your investment portfolio
    Tõnu Pekk 26. November 2019

    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?!…

  • 2. Which fund is the best to save in?
    2. Which fund is the best to save in?
    Tõnu Pekk 19. November 2019

    Warren Buffett has said that it doesn’t really take much to succeed in investing. You only have to do a very few things right, so long as you don’t do too many things wrong. The 15-minute recipe In the first chapter about Laura, age 25, I gave you a few ideas about what you can…

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