• Retirement age is approaching: How should you use the assets accumulated in your pension pillars?
    Retirement age is approaching: How should you use the assets accumulated in your pension pillars?
    Tõnu Pekk 19. April 2021

    After Parliament lifted restrictions on the use of the second pillar, the assets you accumulated in the second and third pillars are really yours. You can use them as you wish; you can take them out all at once or pay yourself a pension supplement every month. You can also keep your assets growing in…

  • Tuleva 2020 management report
    Tuleva 2020 management report
    Tõnu Pekk 1. March 2021

    I have a good feeling as I’m writing this report. 2020 was a great year for us. It seems to me that all our previous years’ work has really borne fruit last year, thanks to some supportive external events. Most people save less than they would like. Tuleva connects with people who want to improve…

  • Why doesn’t Tuleva speculate on market sentiment?
    Why doesn’t Tuleva speculate on market sentiment?
    Tõnu Pekk 19. February 2021

    There are two types of investors. Those who buy stocks for a long term to take part in the companies’ growing profits. And others that buy and sell often, hoping to take advantage of temporary market deviations. Tuleva has chosen the first path – our joint pension fund is a passive, consistent investor with a…

  • Summary: Become a millionaire in 15 minutes
    Summary: Become a millionaire in 15 minutes
    Tõnu Pekk 3. February 2021

    You can build a very decent investment portfolio in a quarter of an hour if you make the second and third pension pillars work for you. With all the information noise around the pension pillars lately, we tend to forget the basics. Instead of pondering whether or not to take out the second pillar money,…

  • 5. How can you accumulate more money?
    5. How can you accumulate more money?
    Tõnu Pekk 9. June 2020

    Once in a while a friend, relative or Tuleva member asks me for tips on how to start investing. I tell them what I have already described in the previous chapters: it is wise to start with the second and third pension pillars. I don’t know a more logical tool for saving money – the…

  • 2019 Management report
    2019 Management report
    Tõnu Pekk 27. February 2020

    Dear Tuleva member, 2019 was a landmark year for Tuleva. We achieved the goals we set at the beginning almost three years ago. We have successfully launched our joint second pillar, and now also the third pillar, pension funds. In other words, while politicians are still arguing about pension savings, we Tuleva members have already…

  • 4. What happens when stock prices fall?
    4. What happens when stock prices fall?
    Tõnu Pekk 17. December 2019

    Since you brought your money from the old bank pension fund to an index fund, the return has been much better. You can be satisfied! But what if one day you see a minus instead of growth in your account? Let’s take a closer look at the example of the already familiar Laura. In Chapter…

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