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INDEXO now manages your pension

Since 2025, VAIRO has joined INDEXO to continue building more accessible financial services for people in Latvia.

You don't need to do anything

Your 2nd pension pillar plan continues to operate as before. You remain in your chosen plan, and no action on your part is required.

Information is now on indexo.lv

Going forward, you can find all up-to-date information about your pension plan on indexo.lv.
View life cycle plans

View your savings

You can still view your savings on latvija.lv or in the INDEXO Bank app.
View savings in the app

Life cycle plans

Below you will find the plans now managed by INDEXO Asset Management IPAS.

Questions and answers

You can find all information about your 2nd pension pillar plan on indexo.lv. You can still view your savings and plan details on latvija.lv or in the INDEXO Bank app.

No. Your life cycle plan continues to operate with the same investment strategy as before. Only the name has changed:  

VAIRO 1990+ → INDEXO 1990+
VAIRO 1980–1989 → INDEXO 1980–1989
VAIRO 1970–1979 → INDEXO 1970–1979
VAIRO 1960–1969 → INDEXO 1960–1969

Currently, the same fee of 0,52 % applies to all plans, but over time, as the INDEXO Group expands, we hope to offer even more attractive fees.

No. The investment strategy, asset allocation and approach remain unchanged. The life cycle plan principle – gradual risk reduction as retirement approaches – continues to work the same as before.

In the long term, your savings will be managed more efficiently and cost-effectively than before. This should result in larger pension savings in your future wallet!

INDEXO BANK
INDEXO
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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

5% 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

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55-62

INDEXO Izaugsme

Join
Documents and conditions
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62+

INDEXO Konservatīvais

Join
Documents and conditions
A woman with long blonde hair and dark lipstick looks into the camera against a light background.
55-62

INDEXO Izaugsme

JoinDocuments and conditions
A man with short brown hair and glasses, dressed in a suit jacket, stands in a brightly lit room.
62+

INDEXO Konservatīvais

JoinDocuments and conditions

Forwarding to Latvija.lv
is in progress

Identificējies

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

Izvēlies e-iesniegumu

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

Izvēlies e-iesniegumu

Choose an investment plan best for your age
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To use INDEXO Bank, download the app.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
1
Download
the app
2
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3
Use
INDEXO Bank

To use INDEXO Bank, download the app.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
1
Download
the app
2
Register
3
Use
INDEXO Bank
INDEXO now manages your pension
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Deposit term and interest rate
We use compound interest.
Interest is compounded monthly, so the effective annual interest rate is higher than the nominal interest rate and can be compared with offers from other banks.
Annual interest rate (nominal)
3 months
3.290967%
6 months
3.474747%
1 year
3.588641%
2 years
3.709622%
3 years
3.911461%
5 years
4.014693%
Get an offer yourself
In just 5 minutes on the INDEXO Bank app
Continue in the app
or
Do you have any questions?
Leave your number, and we'll call you.
By providing your phone number, you agree that INDEXO may contact you to provide consumer credit advice. For more information on the processing of personal data, please read our Privacy Policy. You have the right to withdraw your consent at any time by emailing [email protected].

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

5% 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

Leave feedback

We will be happy to receive both positive feedback
and suggestions for improvement.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application