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Pension system
Pension system
Why the pension capital should be invested?
Where is the capital of the 2nd pension pillar invested?
Differences between pension pillars
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2nd pension pillar
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Basic information for participants of investment plans
Why to join 2nd pension pillar?
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Risk level between investment plans
Effect of inflation on 2nd pension pillar
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3rd pension pillar
3rd pension pillar
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Pension plans
Why to join 3rd pension pillar?
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2nd pension pillar
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Compare investment plans
Basic information for participants of investment plans
Why to join 2nd pension pillar?
Who makes investments into 2nd pension pillar?
Risk level between investment plans
Effect of inflation on 2nd pension pillar
How to receive pension?
2nd pension pillar
Basic information for participants of investment plans
Adaptīvais ieguldījumu plāns VAIRO 1970-1979
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.49%
Adaptīvais ieguldījumu plāns VAIRO 1980-1989
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.49%
Adaptīvais ieguldījumu plāns VAIRO 1990+
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.49%
CBL Aktīvais ieguldījumu plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.46%
CBL dzīves cikla plāns Millennials
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.44%
CBL Ilgtspējīgu iespēju ieguldījumu plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.44%
CBL Indeksu plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.07%
CBL Universālais ieguldījumu plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Low
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.45%
Ieguldījumu plāns "INDEXO Izaugsme 47-57"
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.51%
Ieguldījumu plāns "INDEXO Jauda 16-50"
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.51%
Ieguldījumu plāns "INDEXO Konservatīvais 55+"
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Low
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.43%
Ieguldījumu plāns "INVL MAKSIMĀLAIS 16+”
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
1.10%
Ieguldījumu plāns „INVL Ekstra 47+”
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
1.10%
Ieguldījumu plāns „INVL Komforts 53+”
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Medium
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.74%
Ieguldījumu plāns „INVL Konservatīvais 58+”
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Low
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.60%
Luminor 16-48
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0,49%
Luminor 48-53
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.49%
Luminor 53-58
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.49%
Luminor 58+
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Medium
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.49%
Luminor 62-65
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Low
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.49%
Luminor indeksu ieguldījumu plāns Ilgtspējīgā nākotne
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.32%
SEB aktīvais plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Medium
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.45%
SEB dinamiskais plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.45%
SEB indeksu plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.30%
SEB konservatīvais plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Low
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.45%
SEB sabalansētais plāns
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Medium
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.45%
SIGNET ACTIVE PLAN
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.60%
Swedbank ieguldījumu plāns 1970+
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.42%
Swedbank ieguldījumu plāns 1980+
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.42%
Swedbank ieguldījumu plāns 1990+
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.42%
Swedbank ieguldījumu plāns Dinamika Indekss
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.30%
Swedbank pensiju ieguldījumu plāns "Dinamika"
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
High
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.42%
Swedbank pensiju ieguldījumu plāns "Stabilitāte"
Basic information for participants:
Risk category illustrates the historical volatility of investment plan unit’s value; the higher the category, the higher the historical volatility of the unit’s value
Risk level:
Medium
The total expense ratio (TER) reflects the total annual actual costs of running an investment plan to its average net asset value; the actual expenses covered by TER are: remuneration to asset manager, remuneration to asset holder and other expenses not associated with the management of the investment plan
TER:
0.39%
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