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You have more than 10 years until retirement
High risk level
The goal is to increase the pension assets
The fund invests up to 110% of its assets in stocks.

Investment strategy

Assets of SEB 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) 

 

 

 

 

Long term results

3 year comparison of actively managed high risk funds

Source: pensionikeskus.ee/en/

Investing involves risks. Before concluding an agreement, please read the terms and conditions.

Saving goal

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

Key information (EST)
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

Do you need advice regarding your pension?

  • Our professional team will help to find a suitable solution for you. In order to consult an expert, you can register for a video meeting, a phone consultation, or meet at an SEB branch office – whichever suits you best!

Pension disbursement

You can withdraw assets saved in the second pension pillar at a time convenient for you. The best option is to start using it only once you have reached retirement age; in this case, an income tax credit or income tax exemption apply to you.
The payout method depends on your age and how you want to use your savings. There are a number of disbursement methods. If you wish, you can combine various options.

You can check your second pension pillar balance in the Internet Bank or on your Pension Centre account.

  • All funds can be withdrawn as a one-time disbursement. Once you reach retirement age, you are liable to pay 10% of income tax.
  • Fixed-term disbursement from your pension fund while still investing the remaining amount in your pension account.
  • Lifetime pension – a contract with an insurance company that will start paying you a pension regularly and will do so for the rest of your life.

You can withdraw assets saved in the second pension pillar at a time convenient for you. The best option is to start using it only once you have reached retirement age; in this case, an income tax credit or income tax exemption apply to you.
The payout method depends on your age and how you want to use your savings. There are a number of disbursement methods. If you wish, you can combine various options.

You can check your second pension pillar balance in the Internet Bank or on your Pension Centre account.

Using a second-pillar fund for saving is wise.

Low ongoing charges
The Internet Bank provides the best overview of your savings
A wide selection of saving and disbursement options
Valuable advice

Price list

1. Choice application for the II pillar pension fund  
over the counter or in the SEB Internet Bank free of charge
under power-of-attorney EUR 3
2. Application for exchanging the II pillar pension fund units
over the counter or in the SEB Internet Bank free of charge
under power-of-attorney EUR 3
3. Succession application
resale of inherited fund units EUR 22
transfer of inherited fund units to the successor's pension account EUR 3
resale of inherited fund units and transfer to the successor's pension account EUR 22
4. Payout applications Bank office SEB Internet Bank
application for single payout EUR 3 EUR 3
statement of partial payment from pension funds free of charge free of charge
application for payment from pension investment account free of charge free of charge
funded pension application EUR 5 EUR 5
5. Application for exemption from payment of mandatory funded pension contributions EUR 5 free of charge
6. Application for withdrawal of money from the mandatory funded pension EUR 15 EUR 7
7. Application for payment of mandatory funded pension contributions free of charge free of charge
8. Application for cancellation of an application free of charge free of charge
9. Application for changing the contributions rate free of charge free of charge