• 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

    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?

    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…

  • Bonus chapter: Questions and hesitations

    Tõnu Pekk 16. November 2019

    In the first chapter of the Laura’s Journey to Wealth article series, I described how 25-year-old Laura can use the second and third pension pillars to save a million by her 67th birthday. I have received some thought-provoking feedback. A lot of feedback came from people who were happy to realise from Laura’s example that…

  • 1. Starting to invest is easier than you think

    Tõnu Pekk 12. November 2019

    It is said that you have to set aside at least one-fifth of your salary to have a sufficient income in the second half of your adult life, after retirement. The first good news is, it’s easier than you think. The second good news is that you’re pretty likely to make a million if you…

  • What return can we expect saving money in Tuleva?

    Tõnu Pekk 30. July 2017

    When saving money for retirement, the goal is clear: to grow the value of assets as much as possible by the time you retire and start living with the money set aside. The return of a few months or years is irrelevant. Summary: What counts is the long-term return over 10, 20, 30 and 40…

  • 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…

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