Työeläkevakuutusyhtiö

A työeläkevakuutusyhtiö, often translated as a "earnings-related pension insurance company" or "occupational pension insurance company" in English, is a private company operating in Finland that manages and invests statutory earnings-related pension contributions. These companies are responsible for collecting contributions from employers and employees, investing these funds prudently, and paying out pension benefits to individuals when they retire.

The Finnish earnings-related pension system is mandatory and funded through contributions. The työeläkevakuutusyhtiöt play a crucial role in this system by ensuring the financial sustainability of pension provisions. They operate under strict regulation and supervision by Finnish authorities to protect policyholders and maintain the integrity of the pension fund.

These companies offer various pension insurance schemes, primarily for employees in the private sector, but also covering some self-employed individuals and public sector employees through different pension providers. Their investment strategies aim to generate returns that can cover future pension obligations while also considering risk management. The performance of these companies directly impacts the future pension security of insured individuals.