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This material provides general information on financial instruments available to AS "SEB banka" and/or recommended by AS "SEB banka". All recommendations and information provided are based upon sources considered reliable by AS "SEB banka", yet are not intended for particular investment decisions. If you are considering any actions on the basis of the content of this material, we invite you to contact an investment consultant at AS "SEB banka".
The information provided in the material concerning taxes is based upon the current law, but tax legislation is subject to change over the course of time. The result of tax legislation changes is individual in each case. The information provided in the material concerning the historical wage increase, retirement age, etc., is based upon the currently available information and is subject to change over the course of time. The historical information is not a reliable indicator for estimation of future results and/or profitability and does not guarantee an equal result and/or profitability in the future.
As regards pension funds and other financial instruments referred to in this document, the historical results and/or profitability are not a reliable indicator for estimation of future results and/or profitability and do not guarantee an equal result and/or profitability in the future. Your pension funds are subject to financial market risks, the profitability of pension funds may increase or decrease in different periods and your invested capital is not guaranteed. As pension funds can invest in foreign markets, they are also subject to currency exchange rate fluctuations, which can affect the profitability of the pension fund. For additional information, please see the short prospectus and information brochure.

