3rd pillar
Supplementary or voluntary funded pension is a solid addition to the 1
st and 2
nd
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 3
rd pillar up to 15% of your gross annual income exempt from income tax.
It is recommended to start collecting funds in the 3
rd 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 3
rd pillar funds and pension insurances.
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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. |
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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. |
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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. |
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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 |
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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