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INDEXO 2nd pillar pension investment plans

We offer three investment plans that differ by expected return
and volatility. Which one to choose? It depends on your age.

Investment plans based on age

To make the choice easier, we have included the recommended age in the investment plan names

16-55

INDEXO plan Jauda
Learn more

55-62

INDEXO plan Izaugsme
Learn more

62+

INDEXO plan Konservatīvais
Learn more

16-55

INDEXO plan Jauda
Learn more

55-62

INDEXO plan Izaugsme
Learn more

62+

INDEXO plan Konservatīvais
Learn more

INDEXO investment plan comparison

What can we guarantee?

Low costs and a modern investment policy that meets global standards.
Transparency in both costs and results. Subscribe to updates and receive an easy-to-understand quarterly report on investment plan performance in your email.
The highest security standards.

What we don't promise

Fairy tales that investment value will always grow rapidly. No one can make such promises.
That there won't be downturns. Short-term fluctuations are expected, but remember – in the long term, the global economy grows.
Immediate results. We save for retirement over several decades, so investment results should be evaluated long-term.

Trust your pension management to INDEXO

Strict regulation

The pension system operates within a strict state regulatory framework – and it applies to all managers.

Transparent management

We don't hide pensions behind complex terminology. You can freely view plan results, investment approach, and costs.

Identical conditions

The 2nd and 3rd pension pillars are part of the state system – security conditions are the same for all managers. The choice of whom to trust your money to is yours.
Join

Your pension belongs to you, not the state

We are proud that together with like-minded people we achieved 2nd pillar pension inheritability.

Now the choice is in your hands – leave your savings as an inheritance, add them to a family member's pension, or leave them in the state budget.

Need help with your pension?

We have already helped more than 161,000 Latvian residents sort out their pension-related questions.
Your personal data will be processed by INDEXO Group. If you only check the first box, you’ll receive emails regarding the consultation. Checking the second box signs you up for other updates as well. You can withdraw your consent at any time by emailing [email protected]. Find more info in our Privacy Policy.
INDEXO BANK
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Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

5% of your salary is already being saved in 2nd pension pillar. Invest it more effectively with INDEXO.
Join

INDEXO
3rd pension pillar

Make contributions to 3rd pension pillar and save using automated investment system.
Join

Choose the best plan for your age

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions

INDEXO Konservatīvais

62+
Best for 62+!
Stability in the years before retirement
Join
Documents and conditions

Forwarding to Latvija.lv
is in progress

1

Authorize on the Latvija.lv portal using one of the available methods.

2

Submit e-application for selection or change the investment plan of 2nd pension pillar

3

Choose an investment plan best for your age
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INDEXO Bank

To use INDEXO Bank, download the app.

1
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2
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3
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INDEXO Bank
Investment plans
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Get an offer yourself
In the INDEXO Bank app in just 5 minutes
Continue in the app
or
Have questions?
Leave your number and we'll call you.
By submitting your phone number, you agree that INDEXO may contact you to provide a home equity loan consultation. For more information about how we process personal data, please see our Privacy Policy. You have the right to withdraw your consent at any time by writing to [email protected].
Deposit term and interest rate
We use compound interest.
Interest is compounded monthly, so the effective annual interest rate is higher than the nominal interest rate and can be compared with offers from other banks.
Annual interest rate (nominal)
3 months
3.290967%
6 months
3.474747%
1 year
3.588641%
2 years
3.709622%
3 years
3.911461%
5 years
4.014693%
Get an offer yourself
In just 5 minutes on the INDEXO Bank app
Continue in the app
or
Do you have any questions?
Leave your number, and we'll call you.
By providing your phone number, you agree that INDEXO may contact you to provide consumer credit advice. For more information on the processing of personal data, please read our Privacy Policy. You have the right to withdraw your consent at any time by emailing [email protected].

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

5% of your salary is already being saved in 2nd pension pillar. Invest it more effectively with INDEXO.
Join

INDEXO
3rd pension pillar

Make contributions to 3rd pension pillar and save using automated investment system.
Join

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and suggestions for improvement.