Why trust INDEXO with your pension?

More than 161,000 people in Latvia already do.

Transparent fees, confident choices, straightforward communication — that’s who we are.

Before INDEXO, we had some of Europe’s highest pension fees

In 2017, €42 million of Latvian's money went toward pension management fees.
Pension fund management costs in OECD countries, % of assets
Sources: fktk.lv (Latvia, 2011–2016); oecd.org (other OECD countries; latest study available: 2013 data)

Trust INDEXO with your pension

Strict regulation

The entire pension system operates under strict state regulations – and that applies to every manager.

Transparent management

We don't hide behind complex jargon. You can easily track your plan's performance, strategy, and costs.

Identical rules

Pillars 2 and 3 are part of the state system, meaning safety rules are identical for all managers. Who you trust is up to you.
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INDEXO: chosen by the savvy and driven

161
thousand clients
trust INDEXO with their pensions
€1,7
billion
under INDEXO management
2nd and 3rd pension pillars combined. Data as of 31.12.2025.

Choose your savings partner

Average savings per client
Data as of 31.12.2025.

We’re proud that...

INDEXO active plan members have seen higher average pension growth than the industry overall*

The average Pension Pillar 2 savings of an INDEXO client are among the highest in the industry**

We’re the first bank in Latvia to let you easily track your Pension Pillar 2 savings in a mobile app

INDEXO Blog

Divas INDEXO Banka Visa kartes – dzeltena un tumši zaļa

Need help with your pension?

We have already helped more than 161,000 Latvian residents sort out their pension-related questions.
Your personal data will be processed by INDEXO Group. If you only check the first box, you’ll receive emails regarding the consultation. Checking the second box signs you up for other updates as well. You can withdraw your consent at any time by emailing [email protected]. Find more info in our Privacy Policy.

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

Jauns cilvēks ar cirtainiem matiem melnā cepurē un pelēkā kreklā smaida kamerai uz vienkārša fona.

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions
Sieviete ar gariem blondiem matiem un tumšu lūpu krāsu skatās kamerā uz gaiša fona.

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions
Vīrietis ar īsiem brūniem matiem un brillēm, tērpies uzvalka žaketē, stāv spilgti apgaismotā telpā.

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
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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
Register
3
Use
INDEXO Bank

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

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

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