• If you're willing to take the risk, you can earn more – this is a modern, widely spread form of savings, offered by SEB Life and Pension Baltic SE since 2006.
• You'll be able to regularly track your savings through SEB online banking and, if necessary, make different changes, such as changing the selected funds where your existing savings are deployed, changing the fund for the future contributions, as well as the permissible risk limits.
• We will help to choose the right solution for needs and opportunities for both a professional and a beginner – Apply for a consultation by a SEB Life and Pension Baltic SE specialist.

If you do not have experience in the financial markets:

You can choose one of the investment strategies offered by SEB Life and Pension Baltic SE and accordingly the corresponding fund. Different investment strategies give you the option to choose the level of risk best for you depending on the attitude against potential losses.

If you have experience in the financial markets:

You can create your portfolio yourself, including 1, 2 or even more funds offered by SEB life insurance. The selected funds can be changed without restriction during the contract period. This will increase your profit opportunities; however, you will also take on more risk.

SEB Life and Pension Baltic SE investment funds and the values of their shares, see on the SEB investment fund values page.

• Life insurance with accumulation of assets in investment funds does not guarantee a specific profitability and/or retaining the paid amount.
• Financial markets are cyclical – this means that there will be both highs (the selected funds will increase their value in the short term) and lows (the selected funds will lose value in the short term) during the validity of your policy, which definitely will increase or decrease the amount of your savings. If a crisis broke out in the world, the value in the short term would fall very substantially.
• The yield of your chosen funds and consequently the amount of your savings will be affected not only by the results of the businesses chosen by the fund manager and the macroeconomic indicators of countries (GDP, inflation, unemployment, etc.), but also various world events – decisions of the national central banks, national elections, natural disasters, conflicts and hostilities, various national decisions, currency fluctuations.
• Choose the funds that are appropriate to your risk tolerance – before you choose a fund/funds you should familiarize yourself with its description, available here, paying special attention to the risk indicators.
• There are several solutions that will help you to reduce the risk:
  • Make regular contributions – you will significantly reduce your chance of losing money invested in the shares. Each time you make a payment, we will buy shares of funds selected by you, the value of which change regularly. In this way you will make purchase of shares of the funds for both a lower (more profitable) and a higher value of a share (disadvantageous).
  • Determine your risk tolerance limit – the opportunity to connect automatic risk control at any time or to set a specific limit of risk tolerance for each fund up to which you are willing to risk with your investments. Upon reaching it, your savings will be automatically transferred to another investment fund or to savings with guaranteed profitability. You can also choose to receive only an automatic notification from the insurer about the border and even to decide what to do with your savings.
  • Extension of the contract – if your contract expiration occurs when the financial markets drop, you can extend the contract and withdraw the savings at any other more appropriate time.
• Do not invest your money in investment funds when there is a high probability that you will need these means before the end of the contract.
• If you make contributions in other currencies, please note that the amount of savings can vary due to the currency fluctuations.

Apply for a consultation

Price list

Fund descriptions