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Keep your pension in the best shape

Keep your pension in the best shape

Keep your pension in the best shape
  • Start saving for your pension early
  • Choose the right saving strategy
  • Benefit from pension incentives granted by the state. Learn more at vmi.lt
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Important information for pension savers
 
After the amendments to the Personal Income Tax Law approved by the Seimas, the personal income tax (PIT) benefit for contributions to III pillar pension funds is cancelled for future agreements. For contracts concluded before 31st of December 2024, and for contributions based on these agreements, paid until 31st of December 2034, this benefit can still be applied for 10 years. For new contracts concluded from 1st of January 2025, the PIT benefit will not be applicable.
 
For those accumulating additional funds in the II pillar pension fund (in addition to the automatic monthly contributions of 3 % of the salary), the PIT benefit for the amount of voluntarily paid additional personal contributions remains valid indefinitely.
20 years of investment experience

20 years of investment experience

A wide range of pension funds to suit your needs

A wide range of pension funds to suit your needs

Our experts are always at hand

Our experts are always at hand

It takes minutes to sign an agreement online

It takes minutes to sign an agreement online

How your pension builds up

I pillar

It's a state social security pension the government pays you when you reach state pension age. The amount depends on the length of your service.

II pillar

Contribute 3 % of your salary to your retirement savings and get 1.5 % of the national average wage from the state budget.
 

III pillar

Give your pension an extra boost with additional contributions and get an income tax relief from the state.
 

Grow your pension with Luminor

♦ Accumulate in II pillar pension funds with Luminor. Easily keep track of your retirement savings on the internet bank or mobile app, and stay up to date with our quarterly overviews of pension funds.
♦ Choose the right supplementary pension fund for yourself. When deciding, consider your age, profit expectations, and risk tolerance. 
♦ Check a wide range of pension funds we offer and get advice on how to boost your pension! Our experts are always at your disposal.

Choose pension fund

Daily value of funds

Supplementary pension schemes for employees

♦ Contributions by employers through supplementary pension schemes can help employees boost their retirement savings and enjoy a comfortable future.
♦ Employer's financial incentives for pension is a popular way to motivate employees.
♦ A voluntary retirement savings program benefits employees and increases their income at the same or lower cost to the company.

Learn more

How to know what's best for you?

♦ When planning for retirement, it is important to determine time horizons. The longer the time from today to retirement – the higher level of risk you can withstand, and vice versa – the closer you get to retirement, the less risk you want to take.
♦ If the time till you reach retirement age is less than 15 years, it is recommended to consider the possibility of switching from active to conservative plans. It is important to know when choosing the right III pension pillar fund.
♦ Your future depends on the decisions you make. Learn how to prepare for the future now.

Learn more

Still not sure what works best for you?

♦ Our experts will be happy to provide you with advice and solutions for effective pension planning and investments.
♦ Pension consultants conduct a thorough assessment of a customer's financial situation, taking into account their future goals, profit expectations and risk tolerance.
♦ We foster long-term relationships with our customers, providing continuous support and guidance throughout the retirement journey.

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New to pension funds? It’s the perfect time to join us!

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* Luminor travel and purchase insurance is provided by ADB "Compensa Vienna Insurance Group", reg. code 304080146, Ukmergės g. 280, 06115 Vilnius.

Important: Accumulation in pension funds is subject to investment risk, which means that the value of the investment may rise and fall, may recover less money than you have invested. If foreign currency is invested in financial instruments, exchange rate changes may affect the return on investment. Luminor investment management company does not guarantee a return on investment, pension fund profitability, or annuity payments. The past performance of pension funds does not guarantee future results. Before making a decision on accumulating an additional pension in Luminor pension funds, familiarize yourself with the pension fund rules, deductions, investment strategy, and risk factors. Pension funds are managed by UAB “Luminor investicijų valdymas”, registration code 226299280.