Finland’s most responsible pension company

Our task is to ensure that our customers receive the pension they earned from employment. We succeed in our task when our responsible actions earn us our customers’ trust.

Responsibility for your pension – responsible management of pension cover

Everything we do is aimed at providing our customers with the pension they earned from employment.

For us, responsibility means that we do our part in maintaining and developing a sustainable pension system. This also entails that we have to earn our customers’ trust every day by acting responsibly.

In 2021, we were rated for the fourth time in a row as Finland’s most responsible pension company in the Nordic Sustainable Brand Index survey.

Sustainability means good management of pension cover – throughout life and from one generation to the next

  1. Responsible management of pension cover is something that affects the well-being of our whole society. The continuity of generations, positive development of employment and maintaining work ability foster the success of the pension system.

    The Finnish earnings-related pension system is an agreement based on trust between generations: current pensions are financed through the pension contributions of those that are working now, and correspondingly, future generations will finance the pensions of current employees. We fund part of the pension contributions. Because we pay more in pensions than we collect in pension contributions, we cover the difference with the returns received from investing pension assets.

    As a responsible pension company, we ensure that our operations are cost-effective. When our cost-effectiveness and solvency are on track, we are able to refund a greater portion of the pension contributions to our employer customers, thus reducing the pension system’s costs.

    We report on how we have promoted the efficiency of pension cover management four times a year.

    Read more about pension cover

    Take a look at our financial performance

  2. We bear responsibility for your work ability. Earnings-related pension insurance offers security if you lose your work ability. The most efficient approach is to manage work ability risks proactively, before problems occur. The early prevention of disability benefits the employee, employer and society alike. This also ensures the sustainability of our pension system.

    Read more about how we take care of the work ability risks

  3. We secure the pensions of future generations by profitable, secure and responsible investments. Responsible investment is an integral part of how we manage investment risks and seek better returns on pension assets.

    Read how we take care of the pension assets responsibly

We work for you

Responsible operations require that the company’s values are part of each employee’s activities every day. That is why we are also responsible for our employees and their work ability, well-being and competence. We make sure that we work efficiently and reliably to safeguard your pension.

Take a look at the principles that guide our operations