eläkesäätiöiden

Eläkesäätiöiden are Finnish pension foundations. They are non-profit organizations established by employers or industry groups to provide supplementary pension benefits for their employees. These foundations operate independently and are supervised by the Finnish Financial Supervisory Authority. The primary purpose of an eläkesäätiö is to secure the pension benefits of its members, typically through prudent investment of its assets.

The establishment of an eläkesäätiö allows companies to offer more attractive pension schemes to their employees beyond the statutory employment pension. The funding of an eläkesäätiö comes from contributions made by the employer, and sometimes by employees. The foundation's investments are managed to generate returns that will cover future pension liabilities. Investment strategies are generally conservative, aiming for long-term stability and growth.

Eläkesäätiöiden play a significant role in the Finnish supplementary pension system. They are subject to strict regulations regarding their governance, investment practices, and financial reporting to ensure the security of pension promises. The specific benefits and rules of each eläkesäätiö are determined by its own statutes and the collective agreements applicable to the employees it covers. Membership is typically tied to employment with the founding company or within the industry it represents.