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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 early 2026: Customer acquisition at record level, solvency remained strong
    Ilmarinen’s return on investment in January–March was –0.5 per cent. Solvency is strong and cost-effectiveness is at a good level. Customer acquisition in the early part of the year was going at record pace.
    Read news article Ilmarinen’s early 2026: Customer acquisition at record level, solvency remained strong
  2. Work ability management helps employers act responsibly
    Ilmarinen puts work ability management at the top of its sustainability work. In addition, social responsibility emphasizes the competence of Ilmarinen's own personnel. All this is stated in Ilmarinen's Sustainability Report. The report also shows that the company has made strong progress in climate action within its investments and actively engages with investee companies through active ownership.
    Read news article Work ability management helps employers act responsibly
  3. 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
  4. 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?
  5. 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
  6. 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
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