3RD PENSION PILLAR

Special offer! Sign a level 3 pension agreement with savings worth 500 EUR (550 USD) or more and pay an annual commission fee of just 0.6%. Offer valid until 31.12.2024.

Free choice for payments

Receive your saved capital at age 55

Tax rebate

Claim back 20% on your income tax

Inheritable savings

Choose a person who will inherit your savings, if you prefer

Service provided by Citadele Group company AS CBL Atklātais pensiju fonds.

Smaller commission - bigger savings!

  • Special offer! Sign a level 3 pension agreement with savings worth €500 (550 USD) or more and pay an annual commission fee of just 0.6%.
  • Offer valid until 31.12.2024.
  • Offer is valid for current plans: CBL Aktīvais, CBL Aktīvais USD, CBL Sabalansētais.
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Apply for the advantageous index pension plans

With CBL Indeksu plans, you have the opportunity to save more! Apply for a consultation and we'll sort out the pension issue together.

3rd pension pillar CBL Indeksu plan

• The most profitable level 3 pension plan at Citadele in 2024.

• Annual commission fee – 0.53%.

The most advantageous level 3 index pension plan in Latvia for investments up to 100 000 EUR and private clients.

Service provided by AS CBL Atklātais Pensiju Fonds, a Citadele Group business.

2nd pension pillar CBL Indeksu plan

• The most profitable 2nd pillar pension plan in Latvia in 2023*.

• The lowest commission fee in Latvia** – 0.08%.

* Source: manapensija.lv. Period: 31.12.2022. - 31.12.2023.

Service provided by IPAS CBL Asset Management, a Citadele Group business.

Income tax refund calculator

1000 EUR
120 000 EUR
At 3rd pension pillar:
In accumulative life insurance:
0 EUR
1000 EUR
Contributions to 3rd pension pillar and accumulative life insurance: as a % of annual income 8.00 %
Other possible contributions up to the maximum limit for receiving tax benefits: 200.00 EUR
Estimated tax refund for annual contributions
100.00 EUR
At 3rd pension pillar
60.00 EUR
In accumulative life insurance
In accordance with the Republic of Latvia’s Law On Personal Income Tax, you can receive an income tax rebate on payments not exceeding 10% of your annual taxable income, and on no more than 4000 EUR, as long as the insurance agreement term is for no less than 10 years.

Pension plans


  • Passive management with the aim of reducing expenses related to management.
  • Up to 100% of capital is invested in global stock markets.
  • Reflects specific market indices.
  • Uses the potential growth of market indices.
  • High risk for potentially higher returns.
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  • Active management.
  • With higher risk for potentially higher returns.
  • Diversified investment portfolio.
  • Up to 100% of plan assets may be invested in debt securities.
  • Up to 50% of plan assets can be invested in term deposits of credit institutions.
  • Up to 50% of plan assets can be invested in shares, venture capital market, real estate and various investment funds.
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  • Active management.
  • With little risk to gain potentially more stable and safer capital growth.
  • Diversified investment portfolio.
  • Up to 100% of plan assets may be invested in debt securities.
  • Up to 50% of plan assets can be invested in term deposits.
  • Up to 25% of plan assets can be invested in shares, venture capital market, real estate and various investment funds.
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Choose the most suitable pension plan

CBL Indeksu CBL Aktīvais CBL Sabalansētais
Age 18 - 45 18 - 53 53+
Asset management Passive Active Active
Distribution of investments 100% stocks 50% stocks, 50% bonds 75% bonds, 25% stocks
Currency EUR EUR, USD EUR
Level of risk High Moderately high Medium
Management fees percentage of annual pension plan assets:
Pension fund administration fee 0.25% 0.2% - 1.7% ** 0.2% - 2% **
Asset management commission 0.2% 0.3% - 0.8% ** 0.3% - 0.7% **
Holding bank fee 0.08% 0.1% - 0.15% ** 0.1% - 0.15% **
Apply Apply Apply
CBL Indeksu
Age 18 - 45
Asset management Passive
Distribution of investments 100% stocks
Currency EUR
Level of risk High
Management fees percentage of annual pension plan assets:
Pension fund administration fee 0.25%
Asset management commission 0.2%
Holding bank fee 0.08%
Apply
CBL Aktīvais
Age 18 - 53
Asset management Active
Distribution of investments 50% stocks, 50% bonds
Currency EUR, USD
Level of risk Moderately high
Management fees percentage of annual pension plan assets:
Pension fund administration fee 0.2% - 1.7% **
Asset management commission 0.3% - 0.8% **
Holding bank fee 0.1% - 0.15% **
Apply
CBL Sabalansētais
Age 53+
Asset management Active
Distribution of investments 75% bonds, 25% stocks
Currency EUR
Level of risk Medium
Management fees percentage of annual pension plan assets:
Pension fund administration fee 0.2% - 2% **
Asset management commission 0.3% - 0.7% **
Holding bank fee 0.1% - 0.15% **
Apply

** Commission fee rate applied depending on agreement type and the amount of capital saved.

What is the difference between pension pillars?

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1st Pension Pillar is a statutory non-funded pension scheme, or Mandatory social insurance contributions. These are used to pay the pensions to the existing pensioners. Using information about your saved pension capital, the government will pay you a pillar 1 pension from the social contributions of those working in the future.

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2nd Pension Pillar is a state-funded pension scheme—compulsory for those born after July 1st, 1971. For this pillar, part of your monthly social insurance contributions is directed towards your chosen financial manager and invested in the financial and capital market. Thus, your capital is saved and increased. The 1st and 2nd pension pillars can contribute a predicted future pension of 50% of your current income.


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3rd Pension Pillar is a voluntary pension scheme. You or someone else, such as your employer, can make unlimited contributions. These payments are also invested in the financial and capital market, and your saved capital is inheritable.

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Together all three pillars may provide a predicted future pension of 70% of your current income.

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
How do I set up a 3rd pension pillar agreement?

If you want to build future savings by making 3rd pension pillar contributions with CBL Atklātais pensiju fonds, you can enter into an individual membership agreement.

You can set up an agreement through the Online Bank (see instructions below) or in any Citadele branch by making an appointment for a visit in advance (click here to make an appointment). You can also apply for a telephone consultation by calling  +371 6701 0000.

To draw up an Individual Membership Agreement for the 3rd pension pillar, log in to the full version of the Online Banking.

In the section Pension > 3rd pension pillar, select “Enter into a new agreement”.

   – Required fields are marked with a red asterisk.
   – Choose one of the Pension Plans. Information about the plans can be viewed here.
   – Check whether all the information in the section “Pension plan participant” is correct, and if necessary, correct it.

If you want another person to be able to make contributions to your 3rd pension pillar agreement, be sure to enter this person’s information in the next section.

In the section “Regular payment”, indicate the amount and frequency of your planned contributions.

If you want the payments to be made from your account automatically, select the answer “Yes” to the question “Do you want to issue an order for the regular payment of a fixed amount?”. Then select the account from which you would like payments to be made, and specify the payment date.

You can change the amount and frequency of your regular payment at any time through the Online Bank under Payments > Regular payments.

Click “Next”.

Check the information entered. If you want to change the information in any of the fields, press the button “Back”.

To continue and sign the agreement, please:
1. read the important information and terms;
2. tick that you have read the information;
3. sign the agreement with a code from your authorization device.

You can monitor the status of your order in the section “Document History”.

What are the tax benefits when making 3rd pension pillar contributions?

If you make contributions into your 3rd pension pillar yourself, then you can receive a 20% personal income tax (PIT) refund every year for the previous calendar year’s contributions. In this case, total contributions for the calendar year may not exceed 10% of the gross income received during that year, and no more than 4000 EUR per year. More information in the section on personal income tax refund.

How to add/change a beneficiary?

A beneficiary is the person entitled to receive capital in the event of the customer’s death.
To add/change a beneficiary for your 3rd pension pillar savings, log in to the full version of the Online Bank.

Select “Correspondence with the bank” > “Order to the bank”. Copy the template below, insert it in the text of the order, and enter the required information:
1. pension plan;
2. agreement number;
3. information about the beneficiary.
You can specify one or more beneficiaries, each with a percentage of the bequest (the total must be 100%.)
Note that if you specify a different beneficiary, the previously specified beneficiary is automatically cancelled.

If you do not have access to the Online Bank, book a branch visit here.

Template

Application on the person (s) entitled to the accrued supplementary pension capital in the event of the Participant’s death

Pension plan: (CBL Sabalansētais/ CBL Aktīvais/ CBL Aktīvais USD/ CBL Indeksu)
Individual agreement No./Company name:
Phone number:
Person (s)* entitled to the accrued Supplementary Pension Capital in the event of the Participant’s death**: Name, surname; personal identification code***; the person’s relationship with the pension plan participant; phone number; share, % (total 100%).

* when deciding on the person (s) entitled to their Supplementary Pension Capital in the event of the Participant’s death, the Participant at the same time revokes all previous instructions regarding the recipients of their 3rd pension pillar capital, if any.
** The Participant is responsible as the personal data overseer for transferring the personal data of these persons to the Pension Fund.
*** When nominating a person who has not been assigned a personal identification code by the Republic of Latvia, please indicate their date of birth, plus the document number, expiry date, issuing country, and issuing institution of their identification document. A copy of this person’s identification document must be attached.

Do I have to pay taxes on my 3rd pension pillar capital upon withdrawal?

Personal income tax will not be deducted from accumulated pension capital that is formed of your own contributions, but personal income tax will be deducted from your employer's contributions to your pension fund savings.

Your investment results at the time of disbursement — calculated as a result of how your pension plan assets were managed — will be subject to a 20% tax on capital gains. The tax will be withheld by CBL Atklātais pensiju fonds when the assets are disbursed.

How do I access my 3rd pension pillar savings?

The pension fund participant can submit a free-form order for the disbursement of their 3rd pension pillar savings, including: 
1. The pension plan from which savings are to be paid out;
2. The pension plan participant’s personal information and contact information, or that of their beneficiary / nominated person; 
3. The reason for requesting the capital;
4. The disbursement method (bank account information);
5. The amount to be disbursed and the further actions to be taken with the pension agreement (cancellation or continuation).

The application must include copies of the documents which confirm your right to use the 3rd pension pillar capital. 

Otherwise, you can present your personal identification document at any Citadele Customer Service Centre, first booking an appointment here, and fill out an application for disbursement of your 3rd pension pillar capital.

Your 3rd pension pillar capital can be disbursed all at once, or in instalments over a longer period. 3rd pension pillar capital is paid out by transfer to any bank account.

If the pension fund member does not have a current account with any bank, the 3rd pension pillar capital can be paid to a Citadele current account opened free of charge. 3rd pension pillar capital is disbursed within two weeks of receipt of the application by CBL Atklātais pensiju fonds, as long as all the necessary information has been submitted by the participant.

Can I stop contributing to the 3rd pension pillar?

Yes, any participant may freely choose to reduce or suspend contributions, or to terminate them altogether. Investment results will be calculated every month for the amount already paid into the pension plan. Remember that you can restart your contributions at any time after stopping. Stopping and restarting your contributions does not require permission from CBL Atklātais pensiju fonds.

Business customers: How to draw up a collective membership agreement?

If you, as an employer (legal entity), want to build future savings for your employees by making 3rd pension pillar contributions through CBL Atklātais pensiju fonds, it is possible to set up a collective membership agreement.

You can draw up an agreement at any Citadele branch by making an appointment for a visit in advance (click here). You can also apply for a telephone consultation by calling the bank on +371 6701 0000.
 

When can I access my accumulated pension capital?

3rd pension pillar capital is available at the age of 55.

In some cases, 3rd pension pillar capital may also be paid out earlier:

  • if the member has been employed for a certain period in a profession included in Cabinet Regulation No. 46 dated 01.08.2020. More information here;
  • if the member is recognized as a Group 1 disabled person for life;
  • to the heir or named beneficiaries in the event of the death of the pension plan member.

How can I find out what is happening with my accrued 3rd pension pillar capital?

Pension plan participants who use Citadele Online Banking can oversee changes to their accumulated pension capital through the Online Bank. 

Once a year, CBL Atklātais pensiju fonds sends a report on the specific account, including information on contributions and withdrawals made that year, commission deductions, investment performance, and other information through the Citadele Online Bank (at the customer’s request, this can also be sent by email or mail). 

Participants can obtain information about their accumulated capital in person at any Citadele Customer Service Centre after presenting an identity document.

Can I change my pension plan and pension fund?

Pension fund participants may transfer their 3rd pension pillar capital to another pension plan or pension fund at any time. The order will be executed within two weeks after all necessary documents have been received by AS CBL Atklātais pensiju fonds.

What should I do if my previous pension contributions were made by my employer, but I have changed jobs?

  • You can sign an individual agreement and continue using your pension provider as a private individual by transferring your 3rd pension pillar capital from the collective agreement to your individual agreement.
  • You can ask your new employer to make contributions into your individual or new collective agreement.
  • You can leave everything as it was: your employer’s previous contributions to your 3rd pension pillar plan remain valid in accordance with the pension plan’s investment policy.

How do I change my CBL 3rd pension pillar plan?

To change your pension plan, you must sign a new 3rd pension pillar agreement, choosing one of our plans: CBL Indeksu, CBL Aktīvais, CBL Aktīvais USD or CBL Sabalansētais. Find out more on how to sign a 3rd pension pillar plan agreement here.

What is AS CBL Atklātais pensiju fonds?

AS CBL Atklātais pensiju fonds is a Citadele subsidiary, which provides the possibility to build private pension savings as part of the 3rd pension pillar. These savings are in addition to the state-guaranteed old-age pension (1st and 2nd pension pillars). Anyone can build these savings individually or through their employer.

What are the account numbers for making contributions to 3rd pension pillar plans?

Our pension plans have the following account numbers: 

  • CBL Sabalansētais (for contributions in EUR) account No. LV86PARX0000299400003
  • CBL Aktīvais USD (for contributions in USD) account No. LV32PARX0000299400005
  • CBL Aktīvais (for contributions in EUR) account No. LV46PARX0000299401014
  • CBL Indeksu (for contributions in EUR) account No. LV04PARX0000299400024

The payment purpose must include: name, surname, beneficiary's personal ID number, agreement number.

Can accumulated 3rd pension pillar capital be inherited?

In the event of the death of the participant, their heirs are entitled to their accumulated 3rd pension pillar capital, unless the participant has specified another person (or several persons) who is not their next of kin for inheriting their 3rd pension pillar capital as part of their pension plan agreement.

How can I make a contribution to my 3rd pension pillar savings?

Contributions your 3rd pension pillar savings can be made:

  • with a payment through the Citadele Online Bank; 
  • by setting up a regular payment; 
  • with a payment from another bank (specifying the recipient, IBAN, and including your agreement number as the payment purpose);
  • with a branch payment.

Is it possible to make contributions to several pension funds and plans?

Yes, clients can be a member of several private pension funds and plans.

Bear in mind that the personal income tax refund applies to all contributions made to pension funds and plans in total, up to a maximum of 10% of your gross annual salary, but not exceeding 4000 EUR per year.

What are the options for receiving my 3rd pension pillar capital once I reach 55 years of age?

Upon reaching the age of 55, participants are entitled — but not obliged — to withdraw their accrued 3rd pension pillar capital. You can postpone the withdrawal of your 3rd pension pillar capital until you need it, or withdraw the capital in parts. Your accumulated capital continues to operate in accordance with the pension plan's investment policy. In addition, if you earn income and pay taxes, you can still contribute to your pension plan and receive tax benefits beyond the age of 55.

What is the minimum contribution amount? Do I have to make payments regularly?

There are no requirements for how regular payments should be. You can make contributions whenever you wish, and set the best amount and frequency for you. Remember: the sooner you start making contributions, the larger your savings will be.

What information is included in my annual 3rd pension pillar report?

The pension report provides information about the accumulated capital in your chosen pension plan and how it changed over the previous year. The report also provides a forecast of the accumulated capital with three investment return scenarios – positive, moderate and negative. The scenarios are for each of your contracts, assuming you continue to make contributions to your existing pension plan as before. This projection has been calculated in line with the Financial and Capital Market Commission Regulation No. 177 “Regulations on the Procedure under which a Private Pension Fund Prepares Information on the Projections of Disbursements of the Pension in the Report on the Supplementary Pension”. 

The calculation of the projections is based on:

  • the amount and frequency of your contributions over the last three years;
  • the period of saving up to the retirement age defined in the Pension Fund Law or, if you have reached the age of 45, a forecast for the next 10 years;
  • the currently applied contractual deduction rates;
  • the investment performance of your chosen pension plan over the last 10 years;
  • forecasts of macroeconomic indicators in Latvia, including average gross salary increases and inflation rates.

This is only a forecast and none of the scenarios are guaranteed, but it gives an insight into how your current investment habits may affect the future capital in the pension plan you have chosen. Historical performance of pension plans does not guarantee equivalent future results and projections may differ from the actual amount of additional pension you will receive.

How do I transfer my funds to a different 3rd pension pillar plan?

You can request the transfer of your existing 3rd pension pillar savings to another pension plan of your choice by submitting an order through the Citadele Online Bank: 

  1. log into online banking;  
  2. at the top, above the menu bar, select Correspondence With Bank; 
  3. on the left, select New Order;  
  4. an order number will appear automatically, but you must fill in the remaining fields yourself:  

Topic: Order for pension plan change  
Account number for authorisation: (select your current account)  
Order text: Please transfer the capital from my 3rd pension pillar plan CBL [current pension plan] (individual agreement number XX-XXXXXXXXXXX) to my 3rd pension pillar plan CBL [new pension plan] (new individual agreement number XX-XXXXXXXXXXX). 

Press “Next” and authorise the order.

What are the guarantees for the security of the funds invested in pension plans?

Legislation requires that pension fund members’ cash and other assets be kept off the bank’s balance sheet by both the pension fund (AS CBL Atklātais pensiju fonds), the asset manager (IPAS CBL Asset Management), and the asset custodian (AS Citadele Banka).
3rd pension pillar capital saved in an individual account cannot become the property of the asset manager, asset custodian, or an employer.

The Private Pension Fund Law sets out the financial instruments and the percentages of where and to what extent money can be invested, diversifying all types of risk as much as possible.

Pension fund members’ funds are also supervised by the Bank of Latvia and international auditors.

More questions
How do I set up a 3rd pension pillar agreement?

If you want to build future savings by making 3rd pension pillar contributions with CBL Atklātais pensiju fonds, you can enter into an individual membership agreement.

You can set up an agreement through the Online Bank (see instructions below) or in any Citadele branch by making an appointment for a visit in advance (click here to make an appointment). You can also apply for a telephone consultation by calling  +371 6701 0000.

To draw up an Individual Membership Agreement for the 3rd pension pillar, log in to the full version of the Online Banking.

In the section Pension > 3rd pension pillar, select “Enter into a new agreement”.

   – Required fields are marked with a red asterisk.
   – Choose one of the Pension Plans. Information about the plans can be viewed here.
   – Check whether all the information in the section “Pension plan participant” is correct, and if necessary, correct it.

If you want another person to be able to make contributions to your 3rd pension pillar agreement, be sure to enter this person’s information in the next section.

In the section “Regular payment”, indicate the amount and frequency of your planned contributions.

If you want the payments to be made from your account automatically, select the answer “Yes” to the question “Do you want to issue an order for the regular payment of a fixed amount?”. Then select the account from which you would like payments to be made, and specify the payment date.

You can change the amount and frequency of your regular payment at any time through the Online Bank under Payments > Regular payments.

Click “Next”.

Check the information entered. If you want to change the information in any of the fields, press the button “Back”.

To continue and sign the agreement, please:
1. read the important information and terms;
2. tick that you have read the information;
3. sign the agreement with a code from your authorization device.

You can monitor the status of your order in the section “Document History”.

What are the tax benefits when making 3rd pension pillar contributions?

If you make contributions into your 3rd pension pillar yourself, then you can receive a 20% personal income tax (PIT) refund every year for the previous calendar year’s contributions. In this case, total contributions for the calendar year may not exceed 10% of the gross income received during that year, and no more than 4000 EUR per year. More information in the section on personal income tax refund.

How to add/change a beneficiary?

A beneficiary is the person entitled to receive capital in the event of the customer’s death.
To add/change a beneficiary for your 3rd pension pillar savings, log in to the full version of the Online Bank.

Select “Correspondence with the bank” > “Order to the bank”. Copy the template below, insert it in the text of the order, and enter the required information:
1. pension plan;
2. agreement number;
3. information about the beneficiary.
You can specify one or more beneficiaries, each with a percentage of the bequest (the total must be 100%.)
Note that if you specify a different beneficiary, the previously specified beneficiary is automatically cancelled.

If you do not have access to the Online Bank, book a branch visit here.

Template

Application on the person (s) entitled to the accrued supplementary pension capital in the event of the Participant’s death

Pension plan: (CBL Sabalansētais/ CBL Aktīvais/ CBL Aktīvais USD/ CBL Indeksu)
Individual agreement No./Company name:
Phone number:
Person (s)* entitled to the accrued Supplementary Pension Capital in the event of the Participant’s death**: Name, surname; personal identification code***; the person’s relationship with the pension plan participant; phone number; share, % (total 100%).

* when deciding on the person (s) entitled to their Supplementary Pension Capital in the event of the Participant’s death, the Participant at the same time revokes all previous instructions regarding the recipients of their 3rd pension pillar capital, if any.
** The Participant is responsible as the personal data overseer for transferring the personal data of these persons to the Pension Fund.
*** When nominating a person who has not been assigned a personal identification code by the Republic of Latvia, please indicate their date of birth, plus the document number, expiry date, issuing country, and issuing institution of their identification document. A copy of this person’s identification document must be attached.

Do I have to pay taxes on my 3rd pension pillar capital upon withdrawal?

Personal income tax will not be deducted from accumulated pension capital that is formed of your own contributions, but personal income tax will be deducted from your employer's contributions to your pension fund savings.

Your investment results at the time of disbursement — calculated as a result of how your pension plan assets were managed — will be subject to a 20% tax on capital gains. The tax will be withheld by CBL Atklātais pensiju fonds when the assets are disbursed.

How do I access my 3rd pension pillar savings?

The pension fund participant can submit a free-form order for the disbursement of their 3rd pension pillar savings, including: 
1. The pension plan from which savings are to be paid out;
2. The pension plan participant’s personal information and contact information, or that of their beneficiary / nominated person; 
3. The reason for requesting the capital;
4. The disbursement method (bank account information);
5. The amount to be disbursed and the further actions to be taken with the pension agreement (cancellation or continuation).

The application must include copies of the documents which confirm your right to use the 3rd pension pillar capital. 

Otherwise, you can present your personal identification document at any Citadele Customer Service Centre, first booking an appointment here, and fill out an application for disbursement of your 3rd pension pillar capital.

Your 3rd pension pillar capital can be disbursed all at once, or in instalments over a longer period. 3rd pension pillar capital is paid out by transfer to any bank account.

If the pension fund member does not have a current account with any bank, the 3rd pension pillar capital can be paid to a Citadele current account opened free of charge. 3rd pension pillar capital is disbursed within two weeks of receipt of the application by CBL Atklātais pensiju fonds, as long as all the necessary information has been submitted by the participant.

Can I stop contributing to the 3rd pension pillar?

Yes, any participant may freely choose to reduce or suspend contributions, or to terminate them altogether. Investment results will be calculated every month for the amount already paid into the pension plan. Remember that you can restart your contributions at any time after stopping. Stopping and restarting your contributions does not require permission from CBL Atklātais pensiju fonds.

Business customers: How to draw up a collective membership agreement?

If you, as an employer (legal entity), want to build future savings for your employees by making 3rd pension pillar contributions through CBL Atklātais pensiju fonds, it is possible to set up a collective membership agreement.

You can draw up an agreement at any Citadele branch by making an appointment for a visit in advance (click here). You can also apply for a telephone consultation by calling the bank on +371 6701 0000.
 

More opportunities

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2nd pension pillar

Pension plans with low commission fees, sustainable investments and the largest team of experts in Latvia.  Service provided by Citadele subsidiary CBL Asset Management.
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Short terms savings

A way of saving for your goals using the benefits of the Krājkonts account and Term Deposits. Apply through the online bank and achieve your dreams.
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Accumulative life insurance

Use the opportunity to invest part of the paid insurance premiums and create savings, for example, for children's education. Apply and receive an annual income tax rebate of up to 20 %. Service provided by Citadele subsidiary AAS CBL LIfe.
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You can view statements and profit history for our plans here: https://www.citadele.lv/en/private/3rd-pension/plans/. Pension plan investments are made with the aim of making a profit, but profitability is not guaranteed and you may suffer losses and a reduction in your extra pension capital. Please bear in mind that past profitability does not guarantee similar profitability in the future. The information presented here is of a general nature, it has not been adapted for specific goals and cannot be regarded as an investment consultation.

Pension plans: CBL Aktīvais, CBL Aktīvais USD, CBL Sabalansētais, CBL Indeksu.
Pension plan asset manager: IPAS “CBL Asset Management”, legal address: Republikas laukums 2A, Riga, LV-1010.
Pension plan asset holder: AS “Citadele banka”, legal address: Republikas laukums 2A, Rīga, LV-1010.
Information on the pension plans and their investment policies can be viewed on the AS “Citadele banka” website www.citadele.lv under Pillar 3 Pension.
Information line: 6701 0147.


** The current prospectus, basic information document for investors (including investment plan management fees (both fixed and variable portions)) and other information for the advertised CBL Indeksu pillar 2 pension plan can be found by clicking on the name of the plan in this text.
Asset manager: "CBL Asset Management" IPAS, legal address and location of the management board: Republikas laukums 2a, Riga, LV-1010, Latvija.
Asset holder: AS “Citadele banka”, Republikas laukums 2a, Riga, LV-1010, Latvia.

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