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Accumulate funds for an additional pension independently and secure an affluent old age

  • The decision you’ve made today to begin accumulating additional funds for your retirement – the first step towards higher income in old age. The funds you accumulate for a pension are taken care of by our professional investment specialists.
  • You will find a solution suitable for you to accumulate in the 2nd pension pillar and 3rd pension pillar in your Internet Bank.
  • More than 600,000 clients have already entrusted us with the accumulation of their additional pensions in Lithuania.

Let’s have a talk about what is important for you

Do you have questions about 2nd or 3rd pillar pension funds? Register for a consultation with our specialist – we will be glad to help.

In Lithuania, the pension accumulation system includes three pillars. The purpose is to enable a person to secure a well-off old age and to independently accumulate his/her own pension.

1st Pension Pillar is the state social security pension. Important: the society of our country is “growing old” due to increasing life expectancy of the population - the number of future pensioners grows faster than that of future taxpayers, so the old-age pensions paid by Sodra are decreasing. Therefore, in order to secure sufficient income in old age, it is worth accumulating funds independently.

More detailed information on the Lithuanian pension system

2nd Pension Pillar is additional accumulating for old age. Sodra makes contributions to your pension fund and this contribution consists of two parts: contribution from your salary and the incentive contribution from the state budget. It is likely 1st Pillar and 2nd Pillar would allow accumulating for your old age around 45% of your monthly income.

In more detail

The 3rd Pension Pillar is the independently accumulated pension. By saving periodically in the 3rd Pension Pillar funds you can accumulate sufficiently for a more comfortable living. Contracts concluded before 31 December 2024 are eligible for the Personal Income Tax (PIT) relief. Your employer may pay all or part of the contribution.

In more detail

Together, Pillar I, Pillar II, and Pillar III would allow accumulating for your old age around 70% of your income received before retirement.

Your future income will depend significantly on the decision you make today

If you wish to maintain your current living standard, your retirement income should account for 70% of your current income. It is possible only if you begin accumulating additional funds for a Pillar II and Pillar III pension as early as possible.

If you are accumulating a Pillar III pension with us, we invite you to calculate whether the amount you are planning to accumulate satisfies you. Click here.

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