INDEXO 3rd pension pillar plans

We have a pension plan for every age group. How do they differ from each other? With investment risk and possible profit return.

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Akciju plāns

Earn together with the largest companies in developed countries

The INDEXO Akciju plāns invests up to 100% of its assets in the equity market of developed countries in index-linked investment funds.
The allocation is indicative and may change over time
100 % investment in the equity market of developed countries
Up to 25 % of pension plan assets can be invested in one investment fund
Up to 5 % of pension plan assets can be invested in money market instruments
Participation in the pension plan through automatic or manual allocation of capital

Obligāciju plāns

Qualitative European investment grade bonds

INDEXO Obligāciju plāns invests up to 100 % of its assets in EU debt securities investment funds.
The allocation is indicative and may change over time
100 % investment in EU debt securities investment funds
Up to 25 % of pension plan assets can be invested in one investment fund
Up to 5 % of pension plan assets can be invested in money market instruments
Participation in the pension plan through automatic or manual allocation of capital

Choose the most suitable
capital allocation for you!

With Automatic
capital allocation

The proportion of stocks and bonds in your portfolio is set automatically - according to your age

When choosing Automatic distribution:

  • If more than 15 years remain until retirement age, 100 % investment goes in the Akciju plāns.

  • Over time, the investment weight automatically adjusts according to your age

  • In retirement years, 40 % is invested in the Akciju plāns and 60 % in the Obligāciju plāns

  • Will please those who are not afraid of short-term market fluctuations and want to save for an optimal retirement

With Manual
capital allocation

You control how much to invest in the Akciju plāns or Obligāciju plāns

When choosing Manual distribution:

  • You control how much to invest in the Akciju plāns or Obligāciju plāns

  • Over time, you can change the proportion of the portfolio yourself

  • You can make an unlimited number of choices

  • Will please those who feel confident enough to manage their investments themselves

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.

How to join INDEXO 3rd pension pillar?

Create a profile in a couple of minutes

Make the contributions you want

we recommend setting up regular payment

Follow how your money works

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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

Costs

Date of commencement: 25.03.2021

Total management costs: 0.62 %

They consist of:

  • Asset manager fixed commission: 0.21 %
  • Pension fund fixed commission: 0. 30%
  • Custodian bank commission: 0. 11%
  • Variable commission: 0.00 %.

Commission of the Bank of Latvia for financing: 0.00 %
(covered from the funds of the pension fund).

Average annual cost of index funds in the portfolio: 0.08 %
These costs affect the profitability of the investment plan, but are not
included in management costs.

Date of commencement of operation: 25/03/2021

Total management costs: 0.62 %

They consist of:

  • Asset manager fixed commission: 0.21 %
  • Pension fund fixed commission: 0.30 %
  • Custodian bank commission: 0.11 %
  • Variable commission: 0.00 %.

Commission of the Bank of Latvia for financing: 0.00 %
(covered from the funds of the pension fund).

Average annual cost of index funds in the portfolio: 0.14 %
These costs affect the profitability of the investment plan, but are not
included in management costs.

 

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

Costs

Date of commencement: 25.03.2021

Total management costs: 0.62 %

They consist of:

  • Asset manager fixed commission: 0.21 %
  • Pension fund fixed commission: 0. 30%
  • Custodian bank commission: 0. 11%
  • Variable commission: 0.00 %.

Commission of the Bank of Latvia for financing: 0.00 %
(covered from the funds of the pension fund).

Average annual cost of index funds in the portfolio: 0.08 %
These costs affect the profitability of the investment plan, but are not
included in management costs.

Date of commencement of operation: 25/03/2021

Total management costs: 0.62 %

They consist of:

  • Asset manager fixed commission: 0.21 %
  • Pension fund fixed commission: 0.30 %
  • Custodian bank commission: 0.11 %
  • Variable commission: 0.00 %.

Commission of the Bank of Latvia for financing: 0.00 %
(covered from the funds of the pension fund).

Average annual cost of index funds in the portfolio: 0.14 %
These costs affect the profitability of the investment plan, but are not
included in management costs.