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Which Tuleva II pillar fund to choose?
95% of Tuleva II pillar investors’ choice
Tuleva World Stocks Pension Fund
A low-cost index fund that invests entirely in stocks. The annual returns of this fund can vary sharply. However, projected long-term returns are nevertheless significantly higher than for the bond fund.
Suitable for you if you want to achieve the best long-term returns and do not plan to withdraw your entire II pillar within the next 5 years.
Invests in stocks
Fees 0.28% per year
Fund info（https://tuleva.ee/en/tuleva-world-stocks-pension-fund/） Choose the stock fund（https://tuleva.ee/en/online-bank-instructions/）
Tuleva World Bonds Pension Fund
A conservative index fund that invests entirely in low-risk bonds. Lower risk also means lower returns compared to the stock fund. It is impossible to combine low risk with high returns.
Suitable for you if you plan to withdraw your entire II pillar within the next 5 years and are willing to give up returns for security.
Invests in bonds
Fees 0.28% per year
Fund info（https://tuleva.ee/en/tuleva-world-bonds-pension-funds/） Choose the bond fund（https://tuleva.ee/en/online-bank-instructions/）
No hassle of creating an account – simply log in with your Smart-ID, mobile-ID, or ID card.
Learn more about Tuleva pension funds’ investment strategy（https://tuleva.ee/en/recommendations/tuleva-pension-funds-invest-fund-suit-best/）.
If you have any questions, email [email protected]（https://tuleva.ee/cdn-cgi/l/email-protection#4632332a2330270632332a233027682323） or call 644 5100.
How do we use membership fees?
Membership fees are used to develop the Association and to represent the interests of members. The fees of our first members were used to raise the fund’s initial capital, introduce Tuleva to the general public, and make preparations to start the fund, including application for an activity license from the Financial Inspectorate. From this point forward, membership fees will be used for the following activities:
Membership community management and communication
Development of Tuleva’s web page, blog, and other informational channels
The creation of proposals and influence analysis to improve the Estonian pension system, in cooperation with the Ministry of Finance and other state organizations
Development of Tuleva’s IT systems
Preparation and analysis of voluntary savings products and Third Pillar options
Your joining fee helps to bring well thought ideas with big impact to decision-makers.
Every euro saved gives a Swede almost a third higher pension than the same amount saved by Estonians. Estonia needs a smarter and measurable pension strategy.
As the first and only association representing pension savers, Tuleva is a credible partner for Ministry of Finance and state legislative bodies. We participate in pension strategy discussions, where next to the officials only banks and insurance companies used to be represented.
We help to make better laws . The laws that protect the people. The laws that maximize our profits from our, not banks’ savings.
We have our first achievements. For example
On Tuleva’s initiative, people in Estonia saved only during last year 1.5 million euros , because the fund managers are no longer allowed to charge high fees for changing the pension fund.
We sent a petition to parliament, signed by 2300 people , that proposes to reform how people can use their II pillar savings.
We do not organise demonstrations or spread random complaints. We are direct, we analyse issues and offer constructive solutions.
Tuleva is a social company with a goal to earn profit for its members.
Tuleva’s main principle is that people themselves save money for their future, using contemporary technologies and bypassing unnecessary middlemen and costs as much as possible.
Every year, each member who has transferred their second or third pillar to Tuleva pension funds, earns a member bonus . Member bonus is very small at first, but it will grow together with member’s pension assets. Bonus is transferred to your personal capital account at Tuleva. This is your ownership stake in Tuleva capital and this stake can earn you additional profit.
When Tuleva grows, our funds under management grow and we add new products to our offering, then the association will earn profit.