Employees and self-employed people can pay up to 4% contribution of total wages to a private pension fund. This contribution is income-tax free, and employees receive an additional employer contribution of 2%.

Fund members are given access to loans  where they can choose between indexed loans with fixed or variable interest rate.

The Fund pays two types of pension:

• Savings pension
  Old age pension is a savings pension, as the fund member accrues pension rights until he/she starts receiving pension.
  
• Risk pension
  Disability, spouse's and children's pensions are in the risk pension category.

What rights do I earn at the Fund?

• Life long pension
• Disability pension
• Spouse's pension
• Children's pension