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Article 28.4.2022

Finnish pension system in a nutshell

Finland has one of the best pension systems in the world - and that’s a fact. But if you’re starting a business in Finland, you might be wondering why it’s mandatory for entrepreneurs to take out pension insurance. Or for employers to get pension insurance for their employees? We are here to help you!

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  1. Article 23.8.2022
    YEL reform – what would change and what would remain the same?
    Entrepreneurs and the media have engaged in a lively debate on the reform of the Self-Employed Persons’ Pensions Act (YEL) that was brought before Parliament before Midsummer. As there are some misconceptions in the public sphere about the planned reform, I would like to summarise a few key highlights of what would remain the same and what would change if Parliament decides to maintain the government proposal in its current form.
  2. Press release 16.8.2022
    Ilmarinen’s Interim Report 1 January to 30 June 2022: Premiums written growing strongly, return on investments negative, solvency remained good
    The return on Ilmarinen’s investment portfolio was -6.2 (8.9 per cent), i.e. EUR 3.8 billion negative due to falling stock prices and rising interest rates. The market value of investments fell to EUR 56.7 (60.8) billion. The long-term average return on investments was 5.9 per cent. This corresponds to an annual real return of 4.1 per cent.
  3. Article 10.5.2022
    Employer contributions – How well do you know the additional employer costs?
    Hiring an employee entails additional employer costs. What are they? How much do they come out to? Read on to get an overview of employer contributions in 2022.
  4. Article 9.5.2022
    Insure summer and seasonal employees in time
    With summer approaching, summer employees are ready to start their work. But when should summer employees be insured? What else should you consider when hiring a summer employee?
  5. Press release 29.4.2022
    Ilmarinen’s Interim Report 1 January to 31 March 2022: Premiums written grew, cost-effectiveness improved and solvency remained strong in a challenging market
    The return on Ilmarinen’s investment portfolio was -2.2 (4.8 per cent), i.e. EUR 1.4 billion negative due to falling stock prices and rising interest rates. The market value of investments fell to EUR 59.1 (60.8) billion. The long-term average return on investments was 6.1 per cent. This corresponds to an annual real return of 4.4 per cent.
  6. Article 28.4.2022
    Finnish pension system in a nutshell
    Finland has one of the best pension systems in the world - and that’s a fact. But if you’re starting a business in Finland, you might be wondering why it’s mandatory for entrepreneurs to take out pension insurance. Or for employers to get pension insurance for their employees? We are here to help you!
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