The Pension Fund of Commerce is an occupational fully-funded pension scheme governed jointly by the VR trade union and by employers' associations.

Fund members are employees who are members of the VR trade union.

Employees of other commercial workers' unions are also members, as are those who are not members of another pension fund, but base their terms of employment or hiring contract on a VR wage agreement.

Individuals, as well as owners and other managers of companies working within the occupational purview of the fund, can be members even if they do not belong to employee associations.

The Act on Mandatory Insurance of Pension Rights makes it obligatory for all employees and employers or self-employed people to ensure their pension rights through membership of a pension fund from the age of 16 to 70 years of age. On the basis of this provision, various employees or self-employed people can belong to the fund.