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SEB III Pillar Pension Fund 18+

You can save in a third-pillar fund by making regular contributions or just transferring money when possible.

Confirm your choice in the Internet Bank

The saving period is longer than 10 years
You prefer high-risk funds
The fund mainly invests in stocks which might cause big fluctuations in the value of assets
Investments in shares up to 110%
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Investment strategy

Assets of SEB III Pillar Pension Fund 18+ may be invested up to 110% of the fund's net asset value in instruments with equity risk using leverage (for example, borrowing at the fund's expense or using derivative instruments).

Saving goal

Increasing the value of pension assets. This means that the long-term rate of return of the money invested in the pension fund should exceed the rate of inflation.

Key information
Rate of return of the fund
Information about sustainability (EST)

SEB’s pension funds are managed by SEB Varahaldus. The Estonian branch of SEB Life and Pension Baltic SE and SEB Pank act as intermediaries of the pension funds of SEB Varahaldus.

Receive 20% tax refund from your annual contributions

For a tailored calculation for you, please enter your details. The presented tax information is based on currently valid normative acts; however, tax legislation may change over time. The amount of income tax refund may vary. The calculated values are preliminary and are based on the numbers entered in the calculator. The final amount is calculated when submitting the income tax return. To receive an income tax refund, you must file an income tax return.

Pension disbursements

The funds accumulated in the third pension pillar can be withdrawn at any time by redeeming all or the desired amount of pension fund units.
Income tax is applied to the entire disbursement amount, the tax rate is dependent on the age and length of the investment period.

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  1. upon the expiry or termination of a fixed-term agreement

  2. upon the termination or during the term of an agreement with an unspecified term

Why should I save for retirement?

The current pension system means that an ordinary pensioner will receive a pension that is only 40% of their salary before the retirement. By saving into the second and third pillars, you can expect to receive 60–70% of your pre-retirement income.
Now, we are going to receive less from the state in retirement than previous generations. In addition, life expectancy is increasing, which means that retirement lasts longer and having your own savings is more essential than ever.
Through being proactive, you can influence how your savings grow over time so you can plan your pension better.
The sooner you start to save for the retirement, the less you need to save every month.