III pillar

SEB Kliimatuleviku Pensionifond Indeks

Passive Management
10%
-10%
10%
10 year net yield
10%
-10%
10%
5 year net yield
10%
-10%
10%
3 year net yield
10%
-10%
10%
2 year net yield

Suitable if

  • you have at least 5 years until retirement,
  • you prefer a high risk fund,
  • you would like to help reducing negative climate change,
  • your goal is to mirror securities markets.

Details for making a payment in the fund

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Strategy
Applying passive investment strategy, the fund's assets are invested 100% in other equity risk-based funds, which are mainly following financial indices related to the reduction of the carbon footprint and supporting positive climate change.

Performance
From beginning
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Current year
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The Fund's return is expressed as the net yield after deduction of all fees.

Entry fee: 0%

Exit fee: 0%

Management fee: 0.25%

Ongoing charges (inc management fee): 0.36%

Ongoing fees are given as estimates based on forecasted total fees.

Disbursements

Pension agreement

The state does not tax payments from the 3rd pension pillar if you have concluded an insurance contract under which regular pension payments will be made to you for the rest of your life.

See more at Pensionikeskus.ee

Resale of shares

After reaching the age of 55 (if you started making Pillar III contributions before 2021), but not before five years have elapsed from the initial investment, the income tax on disbursements is 10%. If you have joined the third pillar before 2021 and want to take out what you have collected before the age of 55, the income tax is 20%. Those who have joined the third pillar from 2021 can withdraw money from the third pillar at a more favorable income tax rate (10%) if there is less than 5 years until retirement age.

The third pillar savings can also be bequeathed

The heir can then decide what to do with the inherited assets—whether to transfer them to their pension account or to withdraw the amount in cash.
Income tax of 20% applies to cash withdrawals.