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2nd pension pillar investment plans for clients aged 15 to 50


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SEB dynamic plan

  • If more than 15 years left until retirement
  • Investment in shares up to 100%
  • If you expect higher profitability
  • You are ready to assume a higher risk

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SEB Index plan

  • If more than 15 years left until retirement
  • If you want to take advantage of passive management, including the lowest commission fees in Latvia.*
  • You expect higher profitability in the long term
  • You are willing to take a higher risk


Which plan is the most suitable for you?

As you have more than 15 years left until retirement age, you have the opportunity to choose one of our two 2nd pension pillar investment plans. They have different management methods:

  1. Active management approach – pension managers regularly analyse the market, make data-based assumptions, review the portfolio and make changes, if they believe that the changes can help to achieve a better result in the long term. The choice of SEB investment funds is based on the principles of responsible investment, with the aim to not only ensure high returns in the long term, but also to create a positive impact on the environment and society.

  2. Passive management method, represented by the index plans. These plans invest in financial solutions that replicate global financial market indices. Due to the different management approach, the plans have a lower commission fee. The profitability of the plan is expected to correspond to the situation in the financial markets.

Before choosing a specific pension plan, it is important to evaluate not only the method of management, but also the willingness to take risks. Both offered pension plans are suitable for clients of your age.

Pay-out options

You may find out the amount of your 2nd pension pillar savings at any SSIA branch office or in the portal (selecting the report "Account Statement of the Member of State Funded Pension Scheme (2nd Pension Pillar)" under "E-services").

When you reach the state retirement age or retire early, you have to choose how to receive the accumulated 2nd pension pillar capital.

  1. To add the accrued 2nd pension pillar capital to your 1st pension plan and receive it together with the state retirement pension.

  2. Choose Lifetime pension insurance from one of the insurance service providers. By choosing Lifetime pension insurance, you will be able to adjust the amount of accumulated capital payments and receive money in your account. Lifetime pension insurance allows you to leave the accumulated capital as inheritance.

Why choose SEB 2nd pension pillar investment plans?

Responsible and stable savings management
Our goal is to increase accumulated capital in the long term
In our offer, everyone will find the most suitable plan
We have been taking care of our customers’ pension savings for more than 20 years. Each fifth participant of the 2nd pension pillar trusts his/her savings to SEB

Need advice about pension savings?

  • Our consultants will find the most suitable solution for you and provide advice in the most convenient way for you – online, by phone or in person.