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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!

Finnish pension system in a nutshell
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  1. Ilmarinen expands use of cloud technology with TietoEVRY and Google Cloud
    Ilmarinen expands the use of cloud-based Infrastructure services in cooperation with TietoEVRY and Google Cloud. A core part of Ilmarinen’s strategy is to exploit modern cloud technologies, aiming at flexible and efficient business development.
    Ilmarinen expands use of cloud technology with TietoEVRY and Google Cloud
  2. ​Earnings-related pension contributions for 2021 confirmed
    The Ministry for Social Affairs and Health has confirmed the earnings-related pension insurance contributions for 2021.
    ​Earnings-related pension contributions for 2021 confirmed
  3. Ilmarinen’s Interim Report 1 January–30 September 2020: Return on investments turned positive, cost-effectiveness of operations continued to improve
    The return on Ilmarinen’s investment portfolio was 1.1 (8.2 per cent), i.e. EUR 0.6 (3.7) billion. The third-quarter investment portfolio return was 3.2 per cent, driven by the continued positive development in the investment markets. At the end of September, the market value of investments stood at EUR 50.3 billion (31 Dec 2019: EUR 50.5 billion).
    Ilmarinen’s Interim Report 1 January–30 September 2020: Return on investments turned positive, cost-effectiveness of operations continued to improve
  4. Responsible investment through index funds expands further in emerging markets – Ilmarinen once again one of the co-developers
    Europe’s leading asset management company Amundi listed its new Amundi MSCI Emerging ESG Leaders UCITS ETF fund on Germany’s Xetra on 30 June 2020. Ilmarinen is a participant in the listing of the fund after having invested EUR 500 million in it.
    Responsible investment through index funds expands further in emerging markets – Ilmarinen once again one of the co-developers
  5. View the preliminary information on pension contributions for 2021
    According to the Finnish Centre for Pensions’ projection, the TyEL basic contribution will be 24.8 per cent of the payroll in 2021. The basic contribution does not take into account any reductions in the employer’s contribution or the possible impact of the contribution category. By logging in to the employer’s online service you can see a company specific estimate of the 2021 contributions.
    View the preliminary information on pension contributions for 2021
  6. Ilmarinen wants to continue supporting its customers during challenging times
    If you are having difficulties making your payments, we urge you to contact us in good time so that we can discuss your options. We will always try to make flexible arrangements for you to the extent possible, and we will assess your situation individually. We are here for you.
    Ilmarinen wants to continue supporting its customers during challenging times
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