INDEXO 2nd pillar pension investment plans
We offer three investment plans that differ by expected return
and volatility. Which one to choose? It depends on your age.
Investment plans based on age
To make the choice easier, we have included the recommended age in the investment plan names
INDEXO investment plan comparison
| Plan name | Potential return | Volatility | Asset allocation Stocks : Bonds |
Return, % per year 5 years |
|---|---|---|---|---|
| Jauda 16-55 | High | High | 100:0 | +10.26% |
| Izaugsme 55-62 | Medium high | Medium | 50:50 | +4.12% |
| Konservatīvais 62+ | Low | Low | 0:100 | -1.28% |
| Plan name | Jauda 16-55 | Izaugsme 55-62 | Konservatīvais 62+ |
|---|---|---|---|
| Potential return | High | Medium high | Low |
| Volatility | High | Medium | Low |
| Asset allocation Stocks : Bonds |
100:0 | 50:50 | 0:100 |
| Return, % per year 5 years |
+10.26% | +4.12% | -1.28% |
What can we guarantee?
Low costs and a modern investment policy that meets global standards.
Transparency in both costs and results. Subscribe to updates and receive an easy-to-understand quarterly report on investment plan performance in your email.
The highest security standards.
What we don't promise
Fairy tales that investment value will always grow rapidly. No one can make such promises.
That there won't be downturns. Short-term fluctuations are expected, but remember – in the long term, the global economy grows.
Immediate results. We save for retirement over several decades, so investment results should be evaluated long-term.
Trust your pension management to INDEXO
Strict regulation
The pension system operates within a strict state regulatory framework – and it applies to all managers.
Transparent management
We don't hide pensions behind complex terminology. You can freely view plan results, investment approach, and costs.
Identical conditions
The 2nd and 3rd pension pillars are part of the state system – security conditions are the same for all managers. The choice of whom to trust your money to is yours.
Your pension belongs to you, not the state
We are proud that together with like-minded people we achieved 2nd pillar pension inheritability.
Now the choice is in your hands – leave your savings as an inheritance, add them to a family member's pension, or leave them in the state budget.
Now the choice is in your hands – leave your savings as an inheritance, add them to a family member's pension, or leave them in the state budget.
Need help with your pension?
We have already helped more than 161,000 Latvian residents sort out their pension-related questions.
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