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| 3rd pillar pension scheme |
Supplementary or voluntary funded pension is a solid addition to the 1st and 2nd pillar pensions. You can collect money into the third pillar according to your possibilities – either as monthly payments or single payments at a time suitable for you. The state supports by refunding income tax. You may invest in the 3rd pillar up to 15% of your gross annual income exempt from income tax.
It is recommended to start collecting funds in the 3rd pillar early on. This way, there is more time for the money to accumulate and you need to save less per month in the name of the future.
In case of supplementary funded pension, you can be sure that your pension makes up at least 70% of the income earned before retiring. With this money, it is much easier to enjoy your old age!
At ERGO, you can choose between different 3rd pillar funds and pension insurances.
ERGO Pension Fund 3P1
This fund directs 50% of your money into shares and the rest to bonds. This fund is suitable for you if you agree to some short-term fluctuations in the value of your pension fund units and have fewer than seven years until retirement.
ERGO Pension Fund 3P2
This fund directs 75% of your money into shares and the rest to bonds. This fund is suitable for you if you have more than seven years until retirement and you are ready for some moderate fluctuation in the value of the assets accumulated.
ERGO Pension Fund 3P3
In this fund, up to 100% of your money is directed to shares. You can expect a maximum yield, but should have more than seven years until retirement to collect this. You should also be ready for a significant short-term fluctuation in the value of the pension assets.
Lifetime Pension Insurance
If you wish to have full warranty for your money, choose the 3rd pillar pension insurance. Yield is guaranteed, there is no investment risk. A fixed amount of pension is guaranteed to you until the end of your life.
Endowment insurance with annuity option
If together with saving for retirement, you wish to take care of the well-being and safety of your loved ones, choose endowment insurance with annuity option. Yield is guaranteed, there is no investment risk. In addition, life insurance will be valid beginning with the first payment. This means that should you die, your close ones will be paid the entire agreed upon insured sum.
When choosing a fund, you should assess your risk tolerance, age, investment strategy and yield of the fund. When making a choice, you can always consult an agent from ERGO.
Fund information
Opening of a securities account and the purchasing of ERGO pension fund units in the Internet bank
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