Pension projection scenario
Favorable
Pessimistic
Optimistic
Accumulation
EUR
Amount of pension per month
0 EUR
Recovered PIT
0 EUR
3rd pension pillar
Become an investor with the 3rd pension pillar – simple and cost-effective.
Save for the future and take advantage of tax refunds.
Why the 3rd pension pillar?
Voluntary contributions
Contribute as much as you want. However, regular payments improve your chances of earning more in the long term by reducing the risk of market fluctuations and maintaining healthy discipline.
Get a tax refund
Get back 25.5% of the amount contributed for the portion that does not exceed 10% of your salary or EUR 4,000 per year. You will receive the tax refund if you are a PIT payer.
Spend from age 55
You can withdraw your savings starting from age 55. All at once or in parts. You can also continue saving – it’s entirely up to you.
Capital is inheritable
The accumulated capital can be inherited by the beneficiaries specified in the agreement or in accordance with civil law.
INDEXO 3rd pension pillar calculator
How much deposit is smart?
Different income percentages
Suggested
5%
good start
10%
Good pension, good use of tax benefits
20%
Western standard
Get a 25.5% tax refund from the state
You can receive a 25.5% personal income tax refund (IIN) for part of the contributions, which do not exceed 10% of the annual gross salary or no more than EUR 4,000 per year, by submitting an annual income declaration. You will receive a tax refund if you are a VAT payer.
The total savings at the indicated planned retirement age, based on the entered information and calculation assumptions.
Why save with INDEXO?
A plan tailored to you
Trust the allocation of capital between equity and bond markets to our algorithm – or set it yourself. We’ll take care of the rest.
Low-cost index funds
This investment approach has shown the best results in pension management and has been globally recognised for over 50 years.
Convenient savings management
Simple profile creation on the portal in a few minutes. Now also convenient contributions and savings management in the INDEXO Bank mobile app.
How to join?
Create a profile in a few minutes
On the portal mans.indexo.lv
Make exactly the contributions you want
We recommend setting up a regular payment
Track how your money works
Now also in the INDEXO Bank mobile app
Let your employer pay in
Employer contributions are basically an extra salary bonus. Register your company for a free consultation.
We offer, and our clients appreciate
the globally recognised index approach for over 50 years
a plan automated to your needs
transparency in costs and plan performance
convenient savings management in the INDEXO Bank mobile app
