Become a member

“Tuleva is 2-in-1: Estonia’s most exciting social startup and a high impact civil initiative that defends people’s interests.”

Taavet Hinrikus, co-founder of Tuleva and Wise

What do you gain by becoming a member of Tuleva?

  • Help create a smarter pension strategy for Estonia
  • As a co-owner, earn a bonus from Tuleva’s growth
  • Have a say in decision-making

Help make life better, for yourself and for Estonia

We all need pension one day. The earlier you start thinking about it, the better is your life in the future.

But pensions are dead borning and investments complicated.

Boredom and complexity have made up a shield under which Estonian banks’ pension funds have charged high fees but our money has grown very little. In 2016, Estonian banks’ pension funds were the worst among OECD countries.

Tuleva was started as a civic initiative and is of the most exciting social enterprises in Estonia today.

Jordan Valdma

Jordan Valdma

Developer, Member of Tuleva

Tuleva is not a typical service provider. Tuleva is co-owned by the investors themselves who decided to skip banks’ middlemen and start pension funds where they personally would like to put their money.

We deserve better

Tuleva was started as an initiative by 22 founders who decided that we deserve better. They started an association where every member has an equal decision right.

Krista Teearu

Krista Teearu

Entrepreneur, Member of Tuleva

We are stronger together

Over 8900 people have already joined the founders. We invite you to become a member as well. Together we create better possibilities to save money for our future.

Tanel Padar

Tanel Padar

Musician, Member of Tuleva

We earn money for ourselves, not for the banks

Alone it would not be possible for anybody. But together with the help of smarter technologies we can rid ourselves from costly middlemen and grow our, not banks’, money.

Kristi Saare

Kristi Saare

Teacher, investor, Member of Tuleva

A beginning has been made

As a first step, we started modern, low cost pillar II and pillar III pension funds. All Estonian people can now save for pension together with Tuleva founders and members.

Indrek Seppo

Indrek Seppo

Economist, Member of Tuleva

We have many more good ideas

We’ve started working on an additional savings product outside the pension system, allowing us to grow our capital on fair terms and do even more for our future.

Lili Milani

Lili Milani

Genealogist, Member of Tuleva

This is not all

As an association of pension investors, Tuleva helps improve Estonian laws to ensure that the pension system benefits people first – not banks and insurance companies.

Done
Low-fee index funds in the pillar II and III, enabling savers to earn their fair share from global economic growth. Now even banks have started to follow suit.
Done
View the actual performance of your pension assets in your Tuleva account, compared with global markets, Estonian inflation, and other funds.
Done
We help improve legislation – for example, exit fees can no longer be charged when a saver switches funds, and the usage of the pillar II has become more flexible.
Partially done
We put pressure on banks to stop selling pension funds in shopping centers. Sales practices must also become clearer in other channels.
Partially done
We help investors at retirement age to use their accumulated assets profitably by making regular tax-free withdrawals the preferred choice.
In progress
We are creating a new, simple way to invest outside the pension system, enabling more Estonians to efficiently grow capital for their future.

Founding members

Founding members

To become a member please log in to your pension account.

Become a member

Frequently asked questions

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