Foresight and experience deliver good long-term returns
LSR’s strong and experienced asset management team is responsible for managing LSR’s Private Pension plans, which have delivered solid long-term returns over time. LSR offers two clear and straightforward investment plans and places strong emphasis on increasing efficiency, minimizing operating costs, and thereby delivering even greater benefits to members.
Securities Plan
8.6%
Avg. nominal return over the past 10 years
Securities Plan
4.1%
Avg. actual return over the past 10 years
Deposit Plan
5.7%
Avg. nominal return over the past 10 years
Deposit Plan
1.3%
Avg. actual return over the past 10 years
The weighting of stocks is higher than the weighting of bonds and there is more emphasis on foreign assets. Therefore, this plan carries the most risk, but at the same time, there are expectations that it will yield better returns over a longer period of time. Best suited for younger individuals who have many years until retirement and for those who prefer to prioritize returns over stability.
Only returns on indexed and non-indexed deposit accounts, which minimises risk and fluctuations in returns. Best suited for those who plan to start making withdrawals soon and want to keep their balance stable.
Annual nominal return by plan
*On 1 January 2026, the investment plans Plan I, Plan II and the Specified Private Pension were merged into the investment plan Securities Plan. The historical returns published on this page relate to Plan I. Looking ahead, the investment strategy of the Securities Plan involves lower risk than the investment strategy of Plan I. This may result in lower expected returns than in Plan I, but correspondingly higher expected returns than in Plan II.
Special Plan – automatic transfer between investment plans
You can request to transfer your balance between private pension plans or transfer your premium payments to a new private pension plan at any time. To do so, you fill out an application for a change to the private pension agreement.
The Special Plan is, however, a convenient way to automatically transfer the private pension savings to Deposit Plan when the payout of the private pension draws near. In this way, the risk is reduced and the balance remains more stable in the last few years before payout.
With the Special Plan, you choose to accumulate the private pension savings in the Securities Plan until the age of 55, when the balance is automatically transferred to the Deposit Plan in equal phases. In this way, you do not have to specifically request the transfer of balance or premium payments to the Deposit Plan.
Private Pension’s Investment Policy
The investment policy of LSR’s Private Pension states the priorities for the return on funds. The goal is to ensure a good return while also limiting risk as much as possible. This is done through the correct combination of assets and careful decision-making regarding investments and custody of the funds' assets.
The LSR Board of Directors reviews the investment policies of the private pension funds at least once a year, and sets out goals for their composition of assets. Changes that have occurred in domestic and foreign securities markets, changes that have occurred in the environment of the pension funds and other external conditions that affect their operations and working environment are also taken into account.
Every month, the Private Pension's information summary is published, where you can follow the exchange rate trend of the last 12 months and the asset composition of the funds.
Further numerical information can also be found on the plans' investment pages.