Third pillar contributions info
In contrast to the second pillar, money is not automatically deposited into the third pillar. After selecting the third pillar fund, you will have to transfer the money to your pension account to purchase units.
You can make contributions one by one or set up a standing order. You can make contributions in our web app. Log in by clicking here:
Fund units appear on your pension account by the end of the next working day. If you transferred money over the weekend, you will see new units on your pension account by Tuesday evening.
If you want to make a one time contribution to someone else’s Tuleva III pillar fund, use these payment details in your internet bank:
- Payee: AS Pensionikeskus
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- Account number (choose one):
- Luminor Bank: EE961700017004379157
- SEB: EE141010220263146225
- LHV: EE547700771002908125
- Reference (Viitenumber): Pension account number (You find the number here)
- Payment details (Makse selgitus): 30101119828, EE3600001707
- Account number (choose one):
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How does the calculator work?
The world's leading analysts have determined that fees are the surest predictor of returns: the lower the fees, the better prospects for growth. (And higher fees correlate with poorer results.)
Expected returns depend greatly on the evolving rate of return, and neither we nor anyone else are able to guarantee a 5% annual return.
In a low-cost index fund your assets grow hand-in-hand with the average returns of world markets. Low-cost index funds have outperformed Estonian pension funds every year to date, but past performance is no guarantee of future performance.
Assumptions
Funds' average annual return before management fees
5%
Average annual salary growth
3%
Minimum eligible age
21yrs
Is our money in Tuleva as protected as in bank’s pension fund?
YES!
Financial Inspection
issued a licence to Tuleva fund manager and controls that our everyday operations comply with regulations.
Swedbank
is Tuleva pension funds’ depositary bank. Depositary bank approves every transaction with fund’s assets. Exactly like with bank’s own funds.
State guarantee fund
protects all pension fund investors against the worst in case fund manager causes harm to investors.