Transferring your pension fund takes just 5 minutes
It’s easiest to transfer your second pillar right here by logging in to your pension account. Click the button below and complete your application. After logging in, you will see where your second pillar is today and can make changes to the application before signing.
If you have any other questions we’re here for you! Write to us [email protected] or call us 644 5100.
Read the terms and conditions of Tuleva World Stocks Pension Fund or Tuleva World Bonds Pension Fund. Have a look at fund manager Tõnu’s article on our investment strategy and if necessary, consult an expert.
Frequently asked questions
If you are a client of LHV bank, this is how you can change funds to Tuleva:
- Log in by using the button below
- Click on “Manage II pillar pension funds”
- Pick from the right your preferred Tuleva fund
- Move under the column “My portfolio” Tuleva fund`s share to 100% and others to 0%
- Click “Forward”
- Choose Tuleva fund where to direct your future contributions and click “Forward”
- Use the checkbox to verify that you’ve had the chance to read the Terms and Conditions and sign
If you are a client of SEB bank, this is how you can change funds to Tuleva:
- Log in by using the button below
- Tick the option “I wish to direct future payments into another fund”
- Tick the option “I wish to exchange pension fund units”
- Pick your preferred Tuleva fund for your future payments
- Pick your preferred Tuleva tund to transfer current units (*if you wish to transfer all units, write “100” into the box, *the exchange is carried out based on monetary value of units)
- Click on the black button “Accept”
- Check to see that all the selections are correct and sign digitally – you’re done!
If you are a client of Swedbank, this is how you can change funds to Tuleva:
- Log in by using the button below
- Select from upper panel “Pension” and “My pension assets”
- Select from the section II Pillar “Choose the fund”
- Pick your preferred Tuleva fund for your future payments
- Pick your fund from which to transfer current units
- Pick your preferred Tuleva fund to transfer current units* (if you wish to transfer all units, write “100” into the box, *the exchange is carried out based on monetary value of units)
- Make sure you’ve ticked the boxes in front of your selections
- Click on the orange button “Choose”
- Tick the box to accept the Terms and Conditions
- Click on the orange button “Sign”, sign digitally and you’re done!
This is how you can change funds to Tuleva in Pensionikeskus:
- Log in by using the button below
- In the left hand menu pick “My applications”
- Pick “Selection application”
- Choose, which Tuleva fund you wish to direct your payments into
- Check all necessary information, and pay for the application using a bank link (0,65 euros)
- Pick “Fund transfer application”
- Pick which Tuleva fund you wish to transfer your units into (*the exchange is carried out based on monetary value of units)
- Check all necessary information, and pay for the application using a bank link (1,5 euros)
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.