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SEB growth plan 15–54

  • The most profitable 2nd pension pillar plan in Latvia amongst all actively managed pension plans*
  • Starting January 1st 2026, lower fixed fee – 0,33% per year
  • If more than 10 years left until pension, and you are ready to take a high risk

*Source: www.manapensija.lv. Period: 01.09.2021. – 01.09.2026.

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Investment strategy

A global investment plan without a particular regional emphasis. 
Stocks up to 100%. Data recorded in March 2026. The image shows the geographic allocation.

Regional allocation structure
North America
59%
Asia
17%
European Economic Area, excluding Latvia
11%
Europe, excluding the European Economic Area
5%
Latvia
3%

 

Asset manager – IPAS SEB Investment Management; 
Holder of the assets – AS SEB banka.
Address: Elizabetes iela 95, Rīga, LV-1050, Latvija.

Apply on latvia.lv

Results

The graph shows the annualized five-year return of the five best-performing pension plans in the age category up to 55 years (passively managed plans are not included). Source: www.manapensija.lv. Period: 01.09.2021. – 01.09.2026.

Annualized returns of pension plans over five years   
SEB growth plan 15–54
10,12%   
INVL Maksimālais plāns 16-46
9,33%   
Swedbank Lifecycle Plan 1990+
9,13%   
SSwedbank Lifecycle Plan 1980+
9,03%   
Swedbank Lifecycle Plan 1970+
8,26%

 

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 fee0,33%
Performance feeFrom 0% to 0,05%
If more than 10 years left until retirement
Investment in shares up to 100% of the total savings
If you expect higher profitability and are ready to assume a higher risk
The accrual is formed automatically as part of your and your employer's social insurance contributions

Other 2nd pension pillar investment plans, that are suitable for your age

 

Compare all 2nd pension pillar plans

SEB index plan 15–54

 

  • More than 10 years until retirement
  • High-risk plan with up to 100% investment in stocks
  • Passive management – the asset manager copies a selected equity market index and does not actively participate in market risk adjustment
  • The aim is to achieve the same return on investment as for the global equity market index

More about the plan

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.

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