Active plan - 2nd pension pillar

SEB active plan

The SEB active plan is among the most profitable plans in its category over the last 5 years*
From August 2025, SEB offers even lower contract fees for actively managed plans: 0,36% per year
If more than 10 years left until pension, and you are ready to assume medium risk
Already for more than 20 years, SEB is taking care of the pension savings of our customers

*Source: www.manapensija.lv. Period: 18.06.2020. – 18.06.2025.

Investment strategy

A global investment plan without a particular regional emphasis.
50% – fixed-income securities, up to 50% – stocks.
Data recorded in September 2024.

Globālie ieguldījumi 45%, ASV 19%, Eiropa 11%, Baltija (izņemot Latviju) 9%, Latvija 8%, Jaunattīstības valstis 6%.

Asset manager – IPAS SEB Investment Management;
Holder of the assets – AS SEB banka.

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Results

The graph shows one-, five- and 15-year profitability (per year) for the SEB active plan. Source: www.manapensija.lv. Accessed 18.06.2025.

SEB aktīvā plāna ienesīgums 1 gadā ir 4,77%, 5 gados ir 4,78%, 15 ir gados3,23%.

Past profitability does not guarantee similar results in the future.
Profitability needs to be measured over the long term.

Investment plan results and prospectus

Commission fee per year

Fixed management fee	0,36%
Performance fee	From 0% to 0,05%

SEB active plan

Basic information intended for participants (PDF, LAT)
Reports of 2nd pension pillar investment plans (LAT)

Sustainability-related information disclosure

Sustainability related pre-contractual disclosure (PDF, LAT)
Sustainability information (LAT)
Periodic report 2023 (PDF, LAT)
Information about sustainability principles IPAS SEB Investment Management (PDF, LAT)
Statement on principal adverse impacts of investment decisions on sustainability factors in 2024 (published 27.06.2025., PDF, LAT)

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More than 10 years left until retirement

If you expect higher profitability and are ready to assume a higher risk

A global investment plan without a particular regional emphasis

The accrual is formed automatically as part of your and your employer's social insurance contributions

Apply on latvija.lv

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