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Important: Predicted amount of money to be accumulated in a pension fund is not guaranteed. The examples of calculations given are for information only and should not be understood as investment recommendation. Saving in pension funds incurs investing risk, which means that investments may rise or drop in value, return may be smaller than investment. If investment in a foreign currency is made into financial instruments, exchange rate changes may affect the return of investment. Luminor Investment Management does not guarantee the return of investment, profitability of pension funds or amounts of annuities to be paid. Past results of pension funds do not guarantee future results. Before deciding on complementary retirement savings in Luminor savings funds, read the rules of the pension funds, deductions applied, investment strategy and risk factors. Pension funds are managed by Luminor investicijų valdymas UAB, company code 226299280.