Työntekijärahasto

Työntekijärahasto, in Finnish, refers to an employee fund or occupational pension system in Finland. It is a mandatory scheme that provides retirement benefits for employees, operating as part of the country’s social security framework. Employers and employees contribute to the fund, with contributions typically calculated as a percentage of the employee’s salary. The fund manages these contributions, investing them to generate returns and ensure long-term financial security for retirees. Supervised by the Finnish Social Insurance Institution (Kela) and governed by government regulations, the system aims to supplement the national pension (erityisvakuutus) and may offer additional benefits such as disability coverage or early retirement options. As a core component of Finland’s social security, työntekijärahasto supports employees’ financial well-being in later life.