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LHV PIA, or Pension Investment Account

  • Freedom to preserve and grow your II Pillar pension assets
  • On demand feature: automatic investment
  • A broad selection of securities
  • More favourable transaction fees until the end of 2021

What is Pension Investment Account (PIA)?

Pension Investment Account (PIA) is your separate bank account, which you can use to continue growing your II Pillar pension assets, while making the investment decisions independently.

Alternative to pension funds, but with more freedom

If you wish, you can transfer your pension fund assets to your Pension Investment Account. You can independently decide on the assets held on your Pension Investment Account – you can just hold the money on the account or use the available money to acquire new securities at any time, just as you wish.

No income tax is payable when you move your assets from pension funds to your PIA.

With the benefits of the II Pillar

You can direct the following regular payments prescribed for II Pillar members to your Pension Investment Account: 2% of your gross salary + 4% from the state (on account of the 33% of social tax calculated from your salary) to your Pension Investment Account – that’s the best way to grow your assets. Read further information about the pension system and calculate the amount of your pension payment.

If you wish, you can withdraw money from your PIA
  • By giving at least five months’ prior notice
  • When withdrawing money before retirement age, you have to pay income tax of 20% on the withdrawn amount
  • After withdrawing, you can rejoin the pension system (including opening a new PIA) after 10 years

Why choose LHV PIA?

Automatic investments

You have an option to select up to 10 securities into an automatic investment portfolio that will allow you to make automatic purchases on a regular basis. Available products include ca 200 securities. Compose your portfolio and allow LHV to take care of the rest.

Access to global financial markets

Buy shares and ETFs that trade in the Baltics and the rest of Europe, as well as in the USA. Have a closer look at our available instruments and the list of available stock markets.

In addition to equities, you can also invest in the Baltic corporate bond market and, in case of larger investment amounts, in foreign bonds too. You can also choose to buy shares of investment funds managed by local investment companies.

Free of charge Baltic securities and favourable terms for international markets

We are the only ones in Estonia to offer free of charge holding of Baltic securities, independent of the value of the portfolio. All the transactions with Baltic shares are also free of charge. In addition, we also offer particularly low transaction fees upon investing on foreign stock markets until the end of 2021.

Professional support

LHV’s experienced brokers are here to help you in Estonian, English and Russian from 09.00 to 23.00 on working days. Contact us by e-mail on maaklerid@lhv.ee or by phone at 680 0420.

We regularly hold investment seminars that are open to everyone who is interested.

How do I join?

  • Sign an agreement

    If you are already a client of LHV, make sure you have activated your Investment service agreement and then simply sign a Pension Investment Account agreement.

    If you are not a client yet, then open an LHV account, activate your Investment service agreement after which you will be able to proceed with signing a PIA agreement.

  • Transfer at least some of your II Pillar assets to the Pension Investment Account

    You can direct your regular 2% + 4% II Pillar payments to LHV’s Pension Investment Account. You can also transfer some (or all) of your II Pillar asset held in pension funds to your PIA. You can make both of these choices upon concluding the Pension Investment Account agreement.

  • Optional: configure automatic investments

    In addition to ordinary transactions, LHV PIA supports automatic investments, whereas new purchases are done automatically by LHV. Set the percentage of cash that you would like to invest automatically each month and select the securities that you want us to buy for you.

  • The money will be deposited to your PIA depending on when you submitted the PIA opening application

    Receiving the funds to your PIA is dependent on when you submitted the PIA application.

    Exchange Application

    Application submission dateApplication submission date
    01.12-31.031 May
    01.04-31.071 September
    01.08-30.111 January

    *Deposits to PIA occur during business days only.


    If you've directed your monthly pension payments to PIK, the money will be deposited to your PIA by the end of the next month the latest.

Selection of securities for automatic investments

Securities

Themes and regions

Risk and expected returns

Lower

Higher

Gold

Gold

risk/return profile: 4

LHV World Equities

LHV World Equities

risk/return profile: 5

Global enterprises

Global enterprises

risk/return profile: 5

Corporate bonds (dollars)

Corporate bonds (dollars)

risk/return profile: 4

Corporate bonds (euros)

Corporate bonds (euros)

risk/return profile: 4

Silver

Silver

risk/return profile: 5

Precious metals

Precious metals

risk/return profile: 4

Nordic companies

Nordic companies

risk/return profile: 6

Corporations of developed countries

Corporations of developed countries

risk/return profile: 6

Australian and Asian major corporations

Australian and Asian major corporations

risk/return profile: 6

Blue-chip companies of eurozone

Blue-chip companies of eurozone

risk/return profile: 6

Large European companies

Large European companies

risk/return profile: 6

Eurozone dividend payers

Eurozone dividend payers

risk/return profile: 6

German government bonds

German government bonds

risk/return profile: 3

Digitalisation

Digitalisation

risk/return profile: 6

E-sports

E-sports

risk/return profile: 6

Electric cars

Electric cars

risk/return profile: 6

100 biggest US technology companies

100 biggest US technology companies

risk/return profile: 6

Smaller US companies

Smaller US companies

risk/return profile: 6

500 largest companies in the US

500 largest companies in the US

risk/return profile: 6

Medium and large US companies

Medium and large US companies

risk/return profile: 6

US dividend payers

US dividend payers

risk/return profile: 6

German companies

German companies

risk/return profile: 6

Japanese companies

Japanese companies

risk/return profile: 6

Emerging market companies

Emerging market companies

risk/return profile: 6

Eastern European companies

Eastern European companies

risk/return profile: 6

Asian developing market companies

Asian developing market companies

risk/return profile: 6

Latin American largest companies

Latin American largest companies

risk/return profile: 7

Chinese companies

Chinese companies

risk/return profile: 6

Russian companies

Russian companies

risk/return profile: 7

Indian companies

Indian companies

risk/return profile: 6

Water

Water

risk/return profile: 6

Real estate

Real estate

risk/return profile: 6

Infrastructure

Infrastructure

risk/return profile: 6

Commodities

Commodities

risk/return profile: 5

Sustainably-focused enterprises

Sustainably-focused enterprises

risk/return profile: 6

Clean energy producers

Clean energy producers

risk/return profile: 6

Cybersecurity

Cybersecurity

risk/return profile: 6

Automation and robotics

Automation and robotics

risk/return profile: 6

Medicine

Medicine

risk/return profile: 6

Products and services for the elderly

Products and services for the elderly

risk/return profile: 6

Health innovators

Health innovators

risk/return profile: 6

Luxury brands

Luxury brands

risk/return profile: 6

Consumer goods

Consumer goods

risk/return profile: 5

Dividend payers

Dividend payers

risk/return profile: 6

Bitcoin

Bitcoin

risk/return profile: 6

Ethereum

Ethereum

risk/return profile: 7

Gold

The fund invests in physical gold.

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
XAD5
Symbol
Xtrackers Physical Gold ETC
Currency
euro
The fund’s percentage rate of charge
0.25%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

LHV World Equities

The fund manager invests in equity markets around the world. The fund’s portfolio is spread across developed markets (e.g. Western Europe, the US, Japan) as well as emerging markets (e.g. Asia, Latin America, Eastern Europe).

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
LHV World Equities Fund
Symbol
LHV World Equities Fund
Currency
euro
The fund’s percentage rate of charge
2.49%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Global enterprises

The fund passively invests in big and medium sized companies by following global stock index. The portfolio has been dispersed between developed and developing countries representing all economic sectors.

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Vanguard FTSE All-World UCITS ETF
Symbol
VWRL
Currency
euro
The fund’s percentage rate of charge
0.22%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Corporate bonds (dollars)

The fund invests in corporate bonds listed in dollars in the industrial and financial sectors of developed markets (e.g. Goldman Sachs, Verizone).

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares $ Corp Bond UCITS ETF
Symbol
LQDA
Currency
euro
The fund’s percentage rate of charge
0.20%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Corporate bonds (euros)

The fund invests in corporate bonds in the industrial and financial sectors of developed markets (e.g. Japanese bonds, Verizone, Citigroup).

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Global Corp Bond EUR Hedged UCITS ETF
Symbol
CRPH
Currency
euro
The fund’s percentage rate of charge
0.25%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Silver

The fund invests in physical silver.

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Xtrackers Physical Silver ETC
Symbol
XAD6
Currency
euro
The fund’s percentage rate of charge
0.40%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Precious metals

The fund invests in a portfolio of four physical precious metals: gold, silver, platinum, and palladium.

Fund’s performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
WisdomTree Physical Precious Metals
Symbol
VZLE
Currency
euro
The fund’s percentage rate of charge
0.44%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Nordic companies

The fund tracks the performance of an index that represents largest companies from Finland, Sweden, Norway and Denmark (e.g., Novo-Nordisk, Ericsson, Volvo, Nordea Bank).

Fund's performance graph, additional information, Fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Amundi MSCI Nordic UCITS ETF
Symbol
CN1
Currency
euro
The fund’s percentage rate of charge
0.25%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Corporations of developed countries

The fund invests in the major corporations of developed countries (e.g. Apple, Google, Amazon, Nestle, Visa, Procter & Gamble, Toyota).

Fund's performance graph, additional information, Fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
MSCI World Index UCITS ETF
Symbol
XDWD
Currency
euro
The fund’s percentage rate of charge
0.19%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Australian and Asian major corporations

The fund invests in finance, real estate and industrial companies of Australia, New Zealand, Singapore and Hong Kong.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core MSCI Pacific ex-Japan UCITS ETF
Symbol
SXR1
Currency
euro
The fund’s percentage rate of charge
0.20%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Blue-chip companies of eurozone

The fund invests in major corporations of the euro zone (e.g. Siemens, Basf, Total, Deutsche Telecom).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Lyxor MSCI EMU Value UCITS ETF
Symbol
VAL
Currency
euro
The fund’s percentage rate of charge
0.40%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Large European companies

The fund invests in 600 European companies (e.g. Nestle, Novartis, Shell, Siemens, Daimler, Unilever).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares STOXX Europe 600 UCITS ETF
Symbol
EXSA
Currency
euro
The fund’s percentage rate of charge
0.20%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Large European companies

The fund invests in the largest listed European companies (e.g. Nestle, Roche, LVMH, Unilever).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core MSCI Europe UCITS ETF
Symbol
IMAE
Currency
euro
The fund’s percentage rate of charge
0.12%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Eurozone dividend payers

The fund invests in the 40 biggest dividend-paying enterprises in the euro zone in the communication service, industrial and financial sector.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
SPDR® S&P® Euro Dividend Aristocrats UCITS ETF
Symbol
SPYW
Currency
euro
The fund’s percentage rate of charge
0.30%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

German government bonds

The fund invests in German government bonds.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Germany Government Bond UCITS ETF
Symbol
X03G
Currency
euro
The fund’s percentage rate of charge
0.15%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Digitalisation

The fund tracks the performance of an index that includes manufacturers of video games, as well as players in the e-sports industry (e.g. Nvidia, AMD, Nintendo).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Digitalisation UCITS ETF
Symbol
DGTL
Currency
euro
The fund’s percentage rate of charge
0.40%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

E-sports

The fund tracks the performance of an index that includes manufacturers of video games, as well as players in the e-sports industry (e.g. Nvidia, AMD, Nintendo).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
VanEck Vectors Video Gaming and eSports UCITS ETF
Symbol
ESP0
Currency
euro
The fund’s percentage rate of charge
0.55%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Electric cars

The fund tracks the performance of an index that includes global manufacturers of electric and autonomous vehicles, as well as their component suppliers (e.g. Tesla, Nvidia, ABB).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Electric Vehicles and Driving Technology UCITS ETF
Symbol
ECAR
Currency
euro
The fund’s percentage rate of charge
0.40%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

100 biggest US technology companies

The fund invests in the 100 biggest technology enterprises of the US and the rest of the world (e.g. Google, Apple, Microsoft, Amazon, Netflix).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares NASDAQ-100® UCITS ETF
Symbol
EXXT
Currency
euro
The fund’s percentage rate of charge
0.31%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Smaller US companies

The fund invests in smaller US companies in the financial, industrial, healthcare and technology sector.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Russell 2000 UCITS ETF
Symbol
XRS2
Currency
euro
The fund’s percentage rate of charge
0.30%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

500 largest companies in the US

The fund invests in the 500 largest US companies (e.g. Apple, Microsoft, Johnson&Johnson, Google, Exxon Mobil).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core S&P 500 UCITS ETF
Symbol
SXR8
Currency
euro
The fund’s percentage rate of charge
0.07%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Medium and large US companies

The fund invests in US companies (e.g. Apple, Microsoft, Johnson&Johnson, Google, Exxon Mobil) and covers approx. 85% of the total value of publicly listed US companies.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
MSCI USA Index UCITS ETF (DR) 1C
Symbol
XD9U
Currency
euro
The fund’s percentage rate of charge
0.07%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

US dividend payers

The fund invests in the biggest US enterprises (e.g. AT&T, AbbVie, Exxon Mobil) that have increased their dividend payments for at least 25 consecutive years.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
SPDR® S&P® U.S. Dividend Aristocrats UCITS ETF
Symbol
SPYD
Currency
euro
The fund’s percentage rate of charge
0.35%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

German companies

This fund is suitable for an investor who wants to contribute to the German economy by means of 30 large companies (e.g. Siemens, Daimler, Adidas, Volkswagen).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core DAX® UCITS ETF
Symbol
EXS1
Currency
euro
The fund’s percentage rate of charge
0.16%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Japanese companies

The fund invests in Japanese enterprises (e.g. Toyota, Mitsubishi, Sony, Honda).

Fund's performance graph, additional information, fund's key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Core MSCI Japan IMI UCITS ETF
Symbol
IJPA
Currency
euro
The fund’s percentage rate of charge
0.15%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Emerging market companies

The fund invests in the enterprises of South Korea, Taiwan, China, South Africa, Brazil, Russia and other emerging markets in the sectors of information technology, telecommunications and finance (e.g. Alibaba, Samsung).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares MSCI EM UCITS ETF
Symbol
IEMM
Currency
euro
The fund’s percentage rate of charge
0.18%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Eastern European companies

The fund follows an index comprised of the largest companies of Poland, the Czech Republic and Hungary.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Lyxor Eastern Europe UCITS ETF
Symbol
LEERD
Currency
euro
The fund’s percentage rate of charge
0.50%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Asian developing market companies

The fund invests in the enterprises of China, India, South Korea, Taiwan and other developing markets of the Asian region (e.g. Tencent, Samsung, Baidu, Alibaba).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
AMUNDI ETF MSCI EM ASIA UCITS ETF
Symbol
AASI
Currency
euro
The fund’s percentage rate of charge
0.20%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Latin American largest companies

The fund mainly invests in Brazilian, Mexican, Chilean and Colombian enterprises.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
AMUNDI ETF MSCI EM LATIN AMERICA UCITS ETF
Symbol
ALAT
Currency
euro
The fund’s percentage rate of charge
0.20%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Chinese companies

The fund tracks the performance of an index that includes 300 largest mainland Chinese stocks (e.g. China Merchants Bank, Midea, China State Construction).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Xtrackers CSI300 Swap UCITS ETF
Symbol
XCHA
Currency
euro
The fund’s percentage rate of charge
0.50%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Russian companies

The fund follows the index comprised of the biggest Russian companies (e.g. Lukoil, Rosneft, Gazprom, Sberbank).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Xtrackers MSCI Russia Capped Swap UCITS ETF
Symbol
DBXV
Currency
euro
The fund’s percentage rate of charge
0.65%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Indian companies

The fund invests in the biggest Indian companies (e.g. Tata, Infosys).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Amundi ETF MSCI India UCITS ETF
Symbol
CI2
Currency
euro
The fund’s percentage rate of charge
0.80%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Water

The fund invests in companies engaged in water management and the development of the related technologies (e.g. Veolia, Alfa Laval).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Global Water UCITS ETF
Symbol
IH2O
Currency
euro
The fund’s percentage rate of charge
0.65%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Real estate

The fund invests in companies related to real estate management and development (e.g. shopping centres, residential housing, public buildings, storage spaces).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
SPDR® Dow Jones Global Real Estate UCITS ETF
Symbol
SPYJ
Currency
euro
The fund’s percentage rate of charge
0.40%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Infrastructure

The fund invests in big companies engaged in infrastructure management and development (e.g. railways, pipelines, terminals, transmission networks).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Global Infrastructure UCITS ETF USD (Dist)
Symbol
INFR
Currency
euro
The fund’s percentage rate of charge
0.65%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Commodities

The fund tracks the price movements of agricultural, energy, and metal commodities (e.g. wheat, crude oil, copper, gold).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Diversified Commodity Swap UCITS ETF
Symbol
SXRS
Currency
euro
The fund’s percentage rate of charge
0.19%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Sustainably-focused enterprises

The fund is comprised of enterprises placing a lot of focus on sustainable development (e.g. Microsoft, Nestle, Intel, Samsung, Novartis, Bank of America). Sustainability is assessed based on the social, economic and environmental impact.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Dow Jones Global Sustainability Screened UCITS ETF
Symbol
IGSG
Currency
euro
The fund’s percentage rate of charge
0.60%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Clean energy producers

The fund invests in companies engaged in the production of clean energy and the development of the related technology (e.g. solar energy producers, equipment manufacturers – Verbund, First Solar).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Global Clean Energy UCITS ETF
Symbol
INRG
Currency
euro
The fund’s percentage rate of charge
0.65%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Cybersecurity

The fund invests in enterprises engaged in the field of cybersecurity.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
L&G Cyber Security UCITS ETF
Symbol
ISPY
Currency
euro
The fund’s percentage rate of charge
0.75%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Automation and robotics

The fund invests in enterprises engaged in the field of robotics and automation.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Automation & Robotics UCITS ETF
Symbol
RBOT
Currency
euro
The fund’s percentage rate of charge
0.40%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Medicine

The fund invests in the healthcare-related enterprises of developed countries (e.g. Pfizer, Roche, Merck, Novartis, Johnson&Johnson).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Xtrackers MSCI World Health Care UCITS ETF 1C
Symbol
XDWH
Currency
euro
The fund’s percentage rate of charge
0.30%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Products and services for the elderly

The fund invests in enterprises of the healthcare and finance sector who are offering products and services targeting the elderly.

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Ageing Population UCITS ETF
Symbol
AGED
Currency
euro
The fund’s percentage rate of charge
0.40%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Health innovators

The fund invests in enterprises engaged in the development of the field of healthcare services (e.g. Ablynx and Celltrion).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares Healthcare Innovation UCITS ETF
Symbol
HEAL
Currency
euro
The fund’s percentage rate of charge
0.40%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Luxury brands

The fund invests in the 80 biggest luxury goods manufacturers and retailers (e.g. Daimler, Nike, Estee Lauder, Hennessy, Tesla).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Amundi S&P Global Luxury UCITS ETF
Symbol
GLUX
Currency
euro
The fund’s percentage rate of charge
0.25%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Consumer goods

The fund invests in the biggest European producers of consumer goods (e.g. Nestle, Unilever, L'Oreal, Danone).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
SPDR® MSCI Europe Consumer Staples UCITS ETF
Symbol
STS11
Currency
euro
The fund’s percentage rate of charge
0.30%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Dividend payers

The fund invests in 100 enterprises of developed countries that have made stable dividend payments (e.g. Shell, GlaxoSmithKline, Ford, Fortum).

Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
iShares STOXX Global Select Dividend 100 UCITS ETF
Symbol
ISPA
Currency
euro
The fund’s percentage rate of charge
0.46%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Bitcoin

The fund follows the movements of the market price of the Bitcoin cryptocurrency (BTC).

The fund in question is an index fund, the market value of which may, in comparison with other index funds, rise or fall much more frequently and on a larger scale. In certain instances, you may lose the invested sum. Fund's performance graph, lisainfo, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Bitcoin Tracker Euro
Symbol
COINXBE
Currency
euro
The fund’s percentage rate of charge
2.50%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

Ethereum

The fund follows the movements of the market price of the Ether cryptocurrency (ETH).

The fund in question is an index fund, the market value of which may, in comparison with other index funds, rise or fall much more frequently and on a larger scale. In certain instances, you may lose the invested sum. Fund's performance graph, additional information, fund’s key investor information

Risk and return profile

Lower

Higher

1
2
3
4
5
6
7
Name of the fund
Ether Tracker Euro
Symbol
COINETHE
Currency
euro
The fund’s percentage rate of charge
2.50%

This does not constitute a personal investment suggestion. Before making an investment decision, review the fund’s prospectus and key investor information, and risk and costs involved in the investment. The risk and expected rate or return have been presented based on the key investor information. If needed, consult a specialist.

No funds

Automatic investments

Saving up for retirement and investing your savings is a long and consistent process. To make it easier for you, we have expanded LHV PIA with an opportunity for automatic investments. By choosing automatic investments, you can focus on refining your investment strategy, while LHV will take care of executing it.

  • Set the percentage of cash that you want to invest automatically. At the time of each new contribution to your PIA, this amount will be transferred to a separate sub-account intended for automatic investments.
  • Choose up to 10 securities to be purchased automatically. You can choose between 200 different names, including stocks and exchange-traded funds.
  • You will be able to adjust your PIA selections at any time.
  • New securities are purchased every Wednesday. Any free funds that will be outstanding in your sub-account for automatic investments at that moment will be automatically invested in your selected securities.
  • Automatic investments allow for fractional share purchases. For example, if you invest 10 euros into the shares of Apple, you will purchase ca 1/10 of one AAPL share. The minimum amount of investment is €1.
  • The commission is 1% of the purchase amount.
  • You can sell purchased securities at any moment by placing a sell order. Manual trade comission rates apply for the sales transactions.
  • The service works similarly to the LHV Growth Account.
  • Funds that have not been transferred to the sub-account for automatic investments will remain on the main PIA account. You can either keep them in cash or invest at your own discretion.
  • You can always transfer free funds between the main PIA account and the sub-account for automatic investments. In this way, you can easily increase the amount of your next automatic investment by transferring free funds from the main PIA account to the sub-account for automatic investments, or vice versa.

Comparison of investment costs

PORTFOLIO

A global index fund

Initial contribution

10 000 euros

Automatically invested amount per month

100 euros

Investment period

10 years

Portfolio value at the end of period (0% return)

22 000 euros

Total LHV charges paid over 10 years

130 euros

Average LHV charges per annum

0,08% of portfolio value

TER of the fund

0,22% of the fund’s market value *

TOTAL COSTS

0,30%

PORTFOLIO

1 USA ETF

Initial contribution

10 000 euros

Automatically invested amount per month

100 euros

Investment period

10 years

Portfolio value at the end of period (0% return)

22 000 euros

Total LHV charges paid over 10 years

130 euros

Average LHV charges per annum

0,08% of portfolio value

TER of the fund

0,07% of the fund’s market value **

TOTAL COSTS

0,15%

PORTFOLIO

1 Baltic and 1 foreign stock

Initial contribution

10 000 euros

Automatically invested amount per month

100 euros

Investment period

10 years

Portfolio value at the end of period (0% return)

22 000 euros

Total LHV charges paid over 10 years

130 euros

Average LHV charges per annum

0,08% of portfolio value

TER of the fund

TOTAL COSTS

0,08%

PORTFOLIO

4 Baltic stocks

Initial contribution

10 000 euros

Automatically invested amount per month

100 euros

Investment period

10 years

Portfolio value at the end of period (0% return)

22 000 euros

Total LHV charges paid over 10 years

120 euros

Average LHV charges per annum

0,08% of portfolio value

TER of the fund

TOTAL COSTS

0,08%

The above example of investment costs assumes the lowest rate of commission per trade until the end of 2021.
* Based on the ongoing charges of the Vanguard FTSE All-World UCITS ETF (VWRL).
** Based on the ongoind charges of the iShares Core S&P 500 UCITS ETF (SXR8)

Price list

Commission for automatic purchases

1% of trade value

Commission for manual transactions with Baltic stocks

Free of charge

Commission for manual transactions with US, Nordic, German, and French stocks (incl. ETF-s)*
  • 0.14% of trade value, min 9 €
  • Special offer until 31.12.2021: 0.1% of trade value, min 9 €
Commission for bond transactions

6 € + 0.2% of trade value

Management fee for Baltic securities

Free of charge

Management fee for foreign securities
  • Free of charge for portfolios up to 50 000 €
  • The part exceeding 50 000 € will be charged a monthly fee 0.01%, plus VAT

* Applies to market price orders. 3 € is added to the fee in case of limit or stop orders.
Review the full price list. Income and expense calculator for securities transactions.

Contact

Have questions regarding the product functionality or account opening?
LHV client support
Have questions regarding investing, trading or securities in general?
Brokers

Mon–Fri 9–23
680 0420
maaklerid@lhv.ee

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