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SEB conservative plan

  • The SEB conservative plan is among the most profitable plans in its category over the last 10 years*
  • Already for more than 20 years, SEB is taking care of the pension savings of our customers
  • Nearly every fifth participant of the 2nd pension pillar trusts his/her savings to SEB

*Source: manapensija.lv. Period: 18.06.2015. – 18.06.2025.

Investment strategy

A global investment plan without a particular regional emphasis.
The investments are made in fixed income securities.
Data recorded in September 2024.

Globālie ieguldījumi 34%, Latvija 20%, Eiropa 16%, Jaunattīstības valstis 16%, Baltija (izņemot Latviju) 11%.

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

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Results

The graph shows one-, 10- and 15-year profitability (per year) for 
the SEB conservative plan.
Source: www.manapensija.lv. Accessed 18.06.2025.

SEB konservatīvā plāna ienesīgums 1 gadā ir 5,26%, 10 gados ir 1,14%, 15 ir gados 3,23%.

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 fee0,34%
Performance feeNot applicable

SEB conservative plan

If less than 5 years left until retirement
The investments are made in fixed income securities
Retaining of the pension capital with minimum fluctuations is important for you
The accrual is formed automatically as part of your and your employer's social insurance contributions
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You may find out the amount of your 2nd pension pillar savings at any SSIA branch office or in the portal www.latvija.lv (selecting the report "Account statement of participant of 2nd pension pillar" or "SSIA information and services").

Account statement of participant of 2nd pension pillar SSIA information and 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

Do you have any questions about the 2nd pension pillar savings?

Complete our simple form and one of our pension advisors will be in touch with you soon.

Apply for a conversation