It is a closed life-cycle pension fund. Public sector employees save in this fund. Their employer pays monthly premiums on their behalf, but they can also save on their own and take advantage of the full tax break. It consists of three sub-funds: dynamic, prudent and guaranteed.
Upon employment in the public sector, your employer opens a savings account for you with Modra in the Life-Cycle Civil Servants Pension Fund (KPSJU). Your retirement savings accumulate and build up in this account.
However, with Modra, you can also save on your own and secure a higher income in retirement.
maj 2025
| Fund | NAV (net asset value) | Monthly return | 12-month return | |
|---|---|---|---|---|
| Dynamic sub-fund | 17,1857 | 129.039.695,04 € | 5,22 % | 7,23 % |
| Prudent sub-fund | 14,3315 | 34.104.060,50 € | 3,27 % | |
| Guaranteed sub-fund | 0,8028 | 1.075.596.225,23 € | 0,83 % | 6,21 % |
Documentation on the Civil Servants Life-Cycle Fund
TAKE A LOOK AT THE FUND’S DOCUMENTATIONCivil servants’ premiums
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