The easiest way to save
Your contribution goes into the II pillar automatically, straight from your salary. You don't have to do a thing.
Save in the II pillar again and win on taxes
See how much of your taxes you can direct into your own II pillar account. Apply by 30 November.
- You pick 2, 4 or 6% as your part
- 4% of your pay comes from social tax
- Your part is free of income tax
Your contribution
From your net salary
94 €
From your taxes
106 €
Into your II pillar each month
200 €
Start saving again
Social tax paid into the II pillar slightly reduces your I pillar.
Take it home as pay or let it grow in the II pillar?
For a gross salary of 2000 € and a 6% contribution.
Why start saving again?
You get more from taxes
More than twice as much goes into your II pillar as comes off your pay.
The money is yours
Your II pillar assets are truly yours and can be inherited. You can take the money out from the age of 60.
Read more on the blog about who can rejoin and why it pays to start saving again →
How do I start saving in the II pillar again?
-
Log in to Tuleva
You don't need to be a Tuleva saver.
-
Review
Your contribution size and fund choice.
-
Sign
All the applications with one signature.
Keep saving in the II pillar
If you took money out of your II pillar in 2021, you can apply now.
Do it by 30 November and you'll be saving in your II pillar again from May.
- Over 86,000 people save with Tuleva
- Tuleva belongs to its savers
Frequently asked questions
I took money out of the II pillar after 2021. When can I rejoin?
You can start saving again five years after you submitted your withdrawal application. You can apply before then. If you apply by the end of November, contributions start in May; by the end of March, in September; and by the end of July, in January.
If I don't want to apply now, can I do it later?
Yes. You can apply at any time and there is no final deadline. Contributions start three times a year, depending on when you apply:
- applied by 31 March: in September
- applied by 31 July: in January
- applied by 30 November: in May
The sooner you start, the longer you gain from the tax win.
I don't remember when I took money out of the II pillar. Where can I check?
Log in to Tuleva and look at the Your choices box. The II pillar row shows whether you can already rejoin or from which date you can. You can also check it in the Pensionikeskus self-service.
How can I take money out of the II pillar later?
From the age of 60 you can take the money out all at once or in monthly payments free of income tax. If something happens to you, your II pillar assets go to your heirs.
You cannot take the money out a second time before then. The only exception is a loss of capacity for work. After rejoining you also can't stop contributions again. Most people are better off saving at least until they stop working, so these restrictions do not affect most of them.
How does the II pillar affect my I pillar pension?
The state's 4% comes from your social tax, which would otherwise go to the I pillar. That's why your I pillar pension will later be slightly smaller. Overall, saving in the II pillar leaves you ahead. See the calculation →
Do I need to be a Tuleva saver?
No. Log in to Tuleva and submit the application. If you choose a Tuleva fund, you will be one of us. There are already over 86,000 of us Tuleva savers.
Which II pillar fund should I choose?
Look at two things: where the fund invests and how much it charges. An index fund that invests in global equities spreads your money across thousands of companies around the world.
Today you can save with an annual fee below 0.3%. If a fund's ongoing charges are above 0.5% a year, you are paying too much.
When you rejoin, you can use the money from the age of 60, so you have time to ride out market swings. That's why a low-fee index fund is worth considering. Compare all II pillar funds →
Where do my contributions go if I don't choose a fund?
To the fund where you saved before you took your money out. Banks have renamed many funds over the past five years, so you may not recognise your old fund by its name.
That's why it's worth reviewing your fund along with your application. At Tuleva you can choose your fund at the same time as you apply to rejoin the II pillar.
