3rd pension pillar

INDEXO 3rd pension pillar is a simple and effective way to increase your pension savings without unnecessary worries and mandatory obligations. In addition, the state pays you extra for saving.

The government pension will provide up to 50% of your last salary before retirement. Will that be enough for you?

Calculate your savingsJoin

Benefits of the 3rd pension pillar

This is your real savings, for which the state also compensates you, and the accumulated capital is inheritable.

Voluntary contributions

Contribute as much as you like. However, regular payments improve long-term earning potential by reducing market fluctuation risks and maintaining healthy discipline.

Tax refund

Get 20% back on the contributed amount up to 10% of your salary or 4000 EUR per year. You’ll receive the tax refund if you’re an income tax payer.
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Accessible from age 55

You can withdraw savings starting at age 55, all at once or in parts. You can also continue saving—it's up to you.

Capital is inheritable

The accumulated capital can be inherited by beneficiaries specified in the contract or according to civil law.

INDEXO 3rd pension pillar calculator

How much deposit is smart?

Different income percentages

background trinagle Suggested
5%

5%

good start

10%

10%

Good pension, good use of tax benefits

20%

20%

Western standard

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Get a 20% tax refund from the state

You can receive a 20% personal income tax refund (IIN) for part of the contributions, which do not exceed 10% of the annual gross salary or no more than EUR 4,000 per year, by submitting an annual income declaration. You will receive a tax refund if you are a VAT payer.

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The total savings at the indicated planned retirement age, based on the entered information and calculation assumptions.

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ABOUT YOU

55

75

CONTRIBUTIONS



Shares 50%

Bonds 50%

10

300

Enter a larger value here

0

300

Enter a larger value here

0

300

Enter a larger value here

Calculation assumptions

  • The savings are being accumulated in the pension plans INDEXO Akciju plāns and INDEXO Obligāciju plāns. Annual return scenarios for the INDEXO Akciju plāns: Favorable 0%, Optimistic 0%, Pessimistic 0% . Annual return scenarios for the INDEXO Obligāciju plāns: Optimistic 0%, Favorable 0%, Pessimistic 0% .
  • The projected return is calculated based on the average weighted return of the reference indices for the period from 2013 to 2023, subtracting the management, pension fund, and custodian bank fees. The return does not guarantee equivalent returns in the future. The actual return of the pension plans and the supplementary pension amount may differ from the forecast.
  • The forecasts do not take into account the legal regulations in the area of tax application, which may affect the actual amount of the supplementary pension received.
  • The latest economic and long-term budget projections for Latvia from the European Commission's Ageing Report were used for annual indexation.

Pension projection scenario

Favorable

Pessimistic

Optimistic

AccumulationQuestion?

0 EUR

Amount of pension per month

0 EUR

Recovered PITQuestion?

0 EUR

Detailed calculation

The savings include

Contributions

0 EUR

Private contributions

0 EUR

Employer contributions

0 EUR

Expenses

0 EUR

For the pension fund

0 EUR

For the asset manager

0 EUR

For the custodian bank

0 EUR

Why save with INDEXO?

A plan tailored to your needs

Entrust the allocation of capital between stock and bond markets to our algorithm—or set it yourself. We’ll take care of the rest.

Investment in low-cost index funds

This investment approach shows the best results in pension management and has been internationally recognized for over 50 years.

Easy savings management

Simple profile setup on the portal. Now with convenient contribution management and savings tracking in the INDEXO Bank mobile app.

How to join INDEXO 3rd pension pillar?

1
Create a profile in a few minutes
2
Make contributions as you wish
we recommend setting up regular payments
3
Track how your money works
now also in the INDEXO Bank mobile app

We offer,
and our clients appreciate

  • the index approach recognized worldwide for 50 years

  • an automated plan tailored to client needs

  • cost transparency and plan performance results

  • easy savings management in the INDEXO Bank mobile app

How does INDEXO 3rd pension pillar work?

We offer a unique robotic investment. Watch the video and learn more!
Join

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

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

INDEXO
3rd pension pillar

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

Choose the best plan for your age

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions

INDEXO Konservatīvais

62+
Best for 62+!
Stability in the years before retirement
Join
Documents and conditions

Forwarding to Latvija.lv
is in progress

1

Authorize on the Latvija.lv portal using one of the available methods.

2

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

3

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

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

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

INDEXO
3rd pension pillar

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

Choose the best plan for your age

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions

INDEXO Konservatīvais

62+
Best for 62+!
Stability in the years before retirement
Join
Documents and conditions

Forwarding to Latvija.lv
is in progress

1

Authorize on the Latvija.lv portal using one of the available methods.

2

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

3

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