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Employer’s pension

Employer’s pension

Help to ensure your employees’ future and contribute to their third pension pillars

  • Your contribution will also motivate the employee to collect funds for the future
  • Valued employees are loyal to the company and less likely to switch jobs
  • Taking care of your employees’ retirement will make you socially responsible

The third pillar is voluntary funded pension, which allows people to financially secure their futures in addition to the state pension and the second pillar. The retirement readiness index survey conducted by SEB revealed that the majority is poorly economically secured when retiring – their expectations for the retirement are high, but they start collecting money too late and in too small contributions.

The employer's payments into the third pension pillar are exempt from income tax. For example, the option of making payments to an employee's third pillar instead of raising their wages should be considered. The same value is gained by the employee; the company, however, saves the amount equal to the income tax due from the added amount. The payments are subject to social tax, unemployment insurance premium, and contributions to mandatory funded pension similar to the employees' remuneration. If the employee also contributes to their third pillar, income tax can be returned to them from the payments made.

You can choose between pension funds and life insurance products.

A need-based solution

You can offer the same solution for all employees or a different solution for each individual employee.

A specific amount or a percentage from the employee’s remuneration can be fixed as the amount of the payment.

In addition to the employer, the employee can also make payments.



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