Skip to main content

LHV no longer supports Internet Explorer on our website to better protect you against viruses, scams and other threats. You can still use our website using Internet Explorer, but keep in mind that not everything might work as expected. To log in, please use one of these free browsers: Chrome, Firefox or Edge.

You can find the most crisis-resilient funds from our selection

Instead of using broad-based indexes, we prefer to actively manage assets. This means that our pension asset investment decisions are made by our strong team who constantly monitors the surrounding environment, looks for the best investment opportunities, and spreads risk across different asset classes. This makes LHV’s investment portfolios unique in the market.

When choosing a II pillar pension fund, you should take into account:

  • How long you have left until retirement and how much you want to risk?
  • How have the funds fared in the long term?

Need help finding a fund?
Compare II pillar funds

Is cheap always the best? No. How effective the fund you choose is at growing your retirement savings depends most on its ability to generate new money. If the rate of return is negative, a low service fee is of little help. Index funds attract with their low management fees because they take less time to manage, but they are no guarantee that your pension fund will be successful.

Do low service fees guarantee the success of a pension fund?

No. In our view, those born in the same decade do not have the same risk tolerance and risk appetite. Perhaps when you reach the age of 55, you would like to continue saving up in a fund with a higher proportion of equity than the default below 50%? We believe that the best choices are well thought out and must change over time, just as you will change over time.

Is a life-cycle fund suitable for everyone?

Yes. Different times create different opportunities, and with active management, decisions are made by experts according to the economic situation – following careful analysis, risks are spread across asset classes such as forest, real estate, raw materials. However, index funds invest all assets in equity indices, and the fund’s performance depends on the performance of equity markets.

Are actively managed funds more efficient than index funds?

Choose the fund that’s right for you

If you want a higher rate of return, you also have to consider a higher risk. As a rule, the more a fund invests in stock markets, the higher the risk level of the fund. As people tolerate risk differently, the choice of fund should be well thought out and meaningful; for example, with a life-cycle fund, you cannot decide how much risk you are willing to take at any given time. You can also split your portfolio between several funds – you decide what works best for you.

Fund XLFund indeksFund roheline

High risk level

If you have a high risk tolerance, pension funds with the highest proportion of equities or equity funds may be suitable. Examples include LHV funds XL, Indeks, and Roheline.

Fund LFund M

Medium risk level

If you feel you would like a slightly lower proportion of equity, take a closer look at the L or M fund.

Fund SFund XS

Low risk level

If your aim is to preserve money, go for the S or XS.

Compare II pillar funds

Log in to see your pension funds.

Log in

You don't have II pillar

Subscribe to the II pillar

You don't have any II pillar funds

An error occurred. For further information contact our customer support on 6 800 400 or info@lhv.ee.
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
222
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
2
1
7
Risk level
25.98%
0%
100%
Invests into Estonia
2652
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
2
1
7
Risk level
32.76%
0%
100%
Invests into Estonia
4409
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
2
1
7
Risk level
37.68%
0%
100%
Invests into Estonia
6820
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
3
1
7
Risk level
26.52%
0%
100%
Invests into Estonia
54873
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
19.94%
0%
100%
Invests into Estonia
24708
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
21937
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
8.29%
0%
100%
Invests into Estonia
11720
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
5
1
7
Risk level
2.32%
0%
100%
Invests into Estonia
9953
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
4.00%
0%
100%
Invests into Estonia
1191
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
7.73%
0%
100%
Invests into Estonia
3025
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
28996
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
3
1
7
Risk level
21.86%
0%
100%
Invests into Estonia
5804
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
18.53%
0%
100%
Invests into Estonia
23981
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
5
1
7
Risk level
13.90%
0%
100%
Invests into Estonia
69368
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
5
1
7
Risk level
9.28%
0%
100%
Invests into Estonia
58028
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
55305
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
3
1
7
Risk level
15.88%
0%
100%
Invests into Estonia
5971
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
23.56%
0%
100%
Invests into Estonia
2701
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
5
1
7
Risk level
14.36%
0%
100%
Invests into Estonia
41277
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
5
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
29353
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
4
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
1652
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
5.39%
0%
100%
Invests into Estonia
3938
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
5
1
7
Risk level
2.63%
0%
100%
Invests into Estonia
6339
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
0.00%
0%
100%
Invests into Estonia
12519
Fund investors
There is a transaction associated with the fund taking effect on
See pending transactions
In my portfolio
~
Payments deposited here
Number of units
Acquisition price
Unit NAV
Profit/loss %
Profit/loss €
Total value
6
1
7
Risk level
3.66%
0%
100%
Invests into Estonia
2633
Fund investors

Fund performance in previous periods does not constitute a promise or indication of the yield of subsequent periods.

Market overview of pension funds

We are investors with a long-term perspective
Andres Viisemann, Head of LHV Pension Funds

The securities markets closed out December with a strong finish to the previous year. During the month, the S&P 500 index, which reflects the value of major US companies, registered a 2.8% gain in euro terms. Simultaneously, the Euro STOXX 50, which tracks the value of the top 50 European companies, recorded a 3.2% increase. In the final quarter of the year, these indices saw respective growths of 6.4% and 8.3%.

Every fourth euro invested helps the Estonian economy grow

Join LHV pension

Ask for advice

Reet Roos
Pension Consultant
Mon–Fri 8–17
680 2743
Sign up for a consultation

Have you already thought about the III pillar?

Read more

Cookies

LHV website uses cookies to provide you with the best user experience. By clicking "I accept", you consent to the use of all cookies. Read more about the principles of using cookies.

pirukas_icon