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INDEXO – for a better
financial environment in Latvia

INDEXO was founded with the aim of improving the financial environment in Latvia.
It was our answer to the then unreasonably high commission fees and
low returns in the pension administration.

ENVIRONMENT

As a pension manager with a passive asset management strategy, we recognise that we can achieve the greatest impact through our investments. But that's not all - we can also create a positive impact on the environment with digital initiatives and the INDEXO office building.

INDEXO invests using a passive investment strategy, allocating 2nd and 3rd pillar pension assets primarily in low-cost index funds.

In investments INDEXO ensures that the average ESG rating of the 2nd and 3rd pillar pension portfolios is at least at the "A" level.

All INDEXO services are available remotely 24/7. Document circulation in the office and in cooperation with partners and clients is digital.

SOCIAL

We care about our relationships with our employees, customers, shareholders, regulators and society. We solve social problems and try to create positive changes in the Latvian financial environment.

Employees

We invest in employee professional development, well-being and financial literacy. We implement clear and fair remuneration principles.

Clients

Our goal is to maximize retirement savings. We have no hidden commissions or obscure investments. We regularly reduce management commissions, as well as educate about financial literacy topics.

Society

The whole society has already benefited from the positive changes we have achieved in he pension sector. Now we are determined to do the same in the banking sector.

GOVERNANCE

From the very beginning, one of INDEXO's core values has been transparency. After becoming a public company, we continue to improve our corporate governance practices.

At INDEXO, we highly value responsibility and transparency. High ethical standards, meeting the needs of stakeholders and strong risk management are essential for long-term success.

We treat all shareholders and customers equally and are open to questions.

INDEXO ambitions 2023-2027

We strive to continuously develop to create
long-term value for our customers,
shareholders and society as a whole.

Sustainability at INDEXO Group

In managing the 2nd and 3rd pillar pension plans, we integrate sustainability risks into the investment decision-making process. While adhering to a predominantly passive management strategy and investing pension funds, we do not consider the principal adverse impacts of investment decisions on sustainability factors.
INDEXO BANK
INDEXO
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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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To use INDEXO Bank, download the app.

1
Download
the app
2
Register
3
Use
INDEXO Bank

To use INDEXO Bank, download the app.

1
Download
the app
2
Register
3
Use
INDEXO Bank
Sustainability
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

Leave feedback

We will be happy to receive both positive feedback
and suggestions for improvement.