Pensions

At LSR you get extensive pension rights for you and your family.

More about LSR pensions

Personal pensions

Get an add-on from your employer and increase your financial flexibility.

More about LSR personal pensions

Loans

LSR offers fund members diverse and flexible property loans.

More about LSR loans

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LSR Private Pension Savings

Get a pay raise through private pension savings

When you contribute to private pension savings, your employer adds 2% on top of your salary and pays it into your private pensions account. That’s a direct pay raise for you! That’s why everyone should take advantage of private pension savings. Choose wisely – at LSR, you pay no joining fees, management fees, or withdrawal costs.

Apply for Private Pension Further information

pay raise thanks to employer matching contribution

joining fees, management fees, or withdrawal costs

Life Events

We support you at important junctures

As a LSR fund member, you gain the right to a pension for the rest of your life. In addition, the pension premium entitles you to a disability pension and your family may be entitled to a spouse's and child's pension. At LSR, you can also save into a private pension fund, which is one of the best savings available, and take out a loan to buy property.

See all life events

Upon the start of employment

What should you keep in mind when you start contributing to LSR?

Young couple looking at a computer at home.

Property purchase

If you are buying a property or refinancing, LSR fund member loans might be a good fit for you.

Elderly lady interacts with a young child in a garden.

Upon retirement

Here are the main things to consider when preparing for your retirement.

If your work capacity is reduced

Entitlement to a disability pension can prove invaluable if your work capacity is reduced.

Upon death

Upon death of an LSR fund member, surviving family members may be entitled to pension payments.

News and announcements

LSR Investment Policies 2026

19. December 2025

The Board of LSR has approved the fund’s investment policies for Division A, Division B and the Private Pension divisions. The policies apply for the year 2026.

Opening Hours During Christmas 2025 and New Year

18. December 2025

The LSR office and phone service will be closed on public holidays during Christmas and New Year. On the first working day after the holidays, the fund’s services will start at 10:00 AM, one hour later than usual.

A photo of a mobile phone with a payslip displayed.

Payslips published only on My Pages and Ísland.is

16. December 2025

As of the end of next month, LSR will publish payslips exclusively on Ísland.is and My Pages. The publication of payslips through online banking platforms will be discontinued.

Applications updated on Mínar síður

12. December 2025

LSR has redesigned two types of applications on My Pages: the application for the payment of Private Pension savings and the application for a spouse’s pension.

News and announcements overview