INDEXO 3rd pillar pension plans
We have a pension plan for every stage of life. What makes them different? The investment risk and potential return.
Plan Akcijas
Earn alongside the largest companies in developed countries
INDEXO pension plan AKCIJAS invests up to 100% of assets in index-linked investment funds in developed country equity markets.
The allocation is indicative and may change over time
100% investment in developed country equity markets
Up to 25% of pension plan assets may be invested in a single investment fund
Up to 5% of pension plan assets may be invested in money market instruments
Participation in the pension plan through automatic or manual capital allocation
Plan Obligācijas
In high-quality European investment grade bonds
INDEXO pension plan OBLIGĀCIJAS invests up to 100% of 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 may be invested in a single investment fund
Up to 5% of pension plan assets may be invested in money market instruments
Participation in the pension plan through automatic or manual capital allocation
Choose the capital allocation that suits you best!
With Automatic
capital allocation
The proportion of equities and bonds in your portfolio is determined automatically – based on your age
By choosing Automatic allocation:
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100% investment in plan AKCIJAS if more than 15 years remain until retirement age
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Over time, the investment weight automatically adjusts according to your age
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In retirement years, 40% is invested in plan AKCIJAS and 60% in plan OBLIGĀCIJAS
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Ideal for those who are not afraid of short-term market fluctuations and want to save for an optimal pension
With Manual
capital allocation
You decide what portion of your portfolio to allocate to the equity market and what portion to the bond market
By choosing Manual allocation:
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You control how much to invest in plan AKCIJAS or OBLIGĀCIJAS
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You can change the portfolio allocation over time
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You can make changes an unlimited number of times
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Ideal for those who feel confident enough to manage their investments themselves
INDEXO Investment Committee
Marija Černoštana
Member of the Board of IPAS "Indexo"
A professional with more than 20 years of experience in the financial sector. Led the Financial Market Legal Department at one of Latvia’s largest banks for many years.
Artūrs Roze
Member of the Board of IPAS "Indexo"
A financial professional with more than five years of experience in the financial sector. Has worked in both large and small companies in Latvia.
