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Finnish pension system in a nutshell

Article 28.4.2022

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's Financial Statements 2025: Return on investments was 8.1 per cent or EUR 5.1 billion
    Ilmarinen’s investment assets increased to EUR 67.5 billion. Solvency continued to strengthen and cost-effectiveness is at a good level. Ilmarinen’s investments have generated a total of EUR 30.2 billion over a period of 10 years. Twenty per cent of the investments are in Finland.
    Read news article Ilmarinen's Financial Statements 2025: Return on investments was 8.1 per cent or EUR 5.1 billion
  2. Did you get a call from Ilmarinen regarding your customer information?
    To provide you with the best customer service that is relevant to your situation, we need to know you. We are contacting our customers about customer information. We regularly update customer information required by law.
    Read news article Did you get a call from Ilmarinen regarding your customer information?
  3. EPSI Rating: Ilmarinen has the most satisfied customers in the pension sector
    Ilmarinen’s customers are the most satisfied in the earnings-related pension industry, shows a recent study by EPSI Rating.
    Read news article EPSI Rating: Ilmarinen has the most satisfied customers in the pension sector
  4. Return on Ilmarinen’s investments was 4.8 per cent – solvency was at a good level
    The return on Ilmarinen’s investments was 4.8 per cent in January–September, or EUR 3.0 billion. Investment assets reached record levels and solvency was strengthened.
    Read news article Return on Ilmarinen’s investments was 4.8 per cent – solvency was at a good level
  5. Return on Ilmarinen’s investments was 2.1 per cent – solvency was strong and cost-effectiveness at a good level
    The return on Ilmarinen’s investments was 2.1 per cent in January–June, or EUR 1.3 billion. Investment assets increased to EUR 64.0 billion and solvency capital to EUR 14.0 billion. This cost-effectiveness translates into lower premiums for clients.
    Read news article Return on Ilmarinen’s investments was 2.1 per cent – solvency was strong and cost-effectiveness at a good level
  6. Ilmarinen and MYRY start cooperation – aim is to better support and secure micro and solo entrepreneurs
    The cooperation strengthens the position of both parties and brings concrete benefits to micro and solo entrepreneurs all over Finland.
    Read news article Ilmarinen and MYRY start cooperation – aim is to better support and secure micro and solo entrepreneurs
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