Investment plan:

INDEXO Konservatīvais 55+

Low-volatility or risk pension plan for the age over 55 –
when you feel it's time to slow down and start practicing
a more cautious approach.


Plan profile

INDEXO Konservatīvais 55+
"INDEXO Konservatīvais 55+" – contribution to premium bond index-linked funds only
Compared to other INDEXO investment plans, this plan is characterized by lower volatility (risk), and therefore lower potential returns.
Investment category government bonds, EUR
Investment category corporate bonds, EUR
Investing in diversified, high-quality, low-cost index funds
Investment profile – stable, premium EUR-nominated investment grade bonds
Low management costs of 0,42% per year including custodian commission
Suitable for investors aged 55+

What can we provide?

Modern, world-standard investment policy and low costs.
Transparency in both costs and results. Sign up for news and receive an understandable report on the performance of investment plans in your e-mail every quarter.
The highest safety standards.

What are we not promising?

The fairy tale that the value of investments will always skyrocket is a promise that no one can make.
That there will be no falls. Fluctuations are expected in the short term, but remember - in the long term, the world economy is developing.
Immediate results. We save for retirement over several decades, so investment results should be evaluated in the long term.

Main features and documents of the plan

Date of commencement: 23.04.2018

Total management costs

0.42 %
Fund manager's fixed commission: 0.34 %
Custodian bank commission: 0.08 %
Variable commission: 0.00 %
Average annual cost of index funds included in the portfolio: 0.09%. These costs affect the profitability of the investment plan, but are not included in the management costs.
Investment in equity funds: not made

Citi INDEXO ieguldījumu plāni

To make your choice easier, we have included the recommended age in the names of our investment plans
Learn more
INDEXO Izaugsme
Learn more

INDEXO investment committee

Marija Černoštana

A professional with more than 20 years of experience in the financial sector. For many years she led the legal arm of the Financial market in one of Latvia's largest banks. Member of the Management board of IPAS INDEXO.

Artūrs Roze

Financial professional with more than five years of experience in the financial industry. Worked in both large and small companies in Latvia. Member of the Management board of IPAS INDEXO.

Choose which
product to join

2nd pension pillar

6% of your salary is already being saved in 2nd pension pillar. Invest it more effectively with INDEXO.

3rd pension pillar

Make contributions to 3rd pension pillar and save using automated investment system.

Choose the best
plan for your age


Best for 16-50
year olds!
Volatile, with high profit potential
Documents and conditions

INDEXO Izaugsme

Best for 47-57
years olds!
Moderately volatile, with moderately high profit potential
Documents and conditions

INDEXO Konservatīvais

Best for 55+!
Stability in the years before retirement
Documents and conditions

Forwarding to
is in progress


Authorize on the portal using one of the available methods.


Submit e-application for selection or change the investment plan of 2nd pension pillar


Choose an investment plan best for your age
Skip instructions - switch to
Skip instructions - switch to Latvija.lvSkip instructions - switch to Latvija.lvSkip instructions - switch to