Life-Cycle Pension Fund

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Life-Cycle Pension Fund

This is an open pension fund set up like a life-cycle pension fund. Private sector employees and the self-employed save in this fund. Premiums can be paid into the pension fund for employees by the employer, the individual themselves or a combination of payments from both parties.

The Life-Cycle Pension Fund consists of three sub-funds: dynamic, prudent and guaranteed.

The sub-funds pursue different investment policies that adapt to the age of the saver and ensure the achievement of higher returns over the long-term horizon, i.e. at a time when retirement is still far away and savings feature a high level of security in the period before retirement.

What guaranteed benefits can you get
from saving in the Life-Cycle Pension Fund – MKPS?

Special tax relief

One advantage of the supplementary pension saving scheme is a special tax relief or tax break. Saving in the fund allows you to save on your income tax and provides regular supplementary income after retirement.
Calculate the tax relief

Security of savings

Modra is a specialised supplementary pension insurance provider with the strongest capital position. The high guarantee capital allows us to ensure guaranteed returns and the payout of agreed annuities.

Online arrangement of insurance

You can arrange for your retirement saving via digital channels on the e.Modra portal. Quickly adjust the amount of payments, designate beneficiaries in the event of death, monitor the growth of your funds and perform personalised indicative calculations.
Viewing and editing data on the e.Modra portal

Supplementary pension after retirement

After retirement, we start paying you a pension annuity from the funds you saved, which we pay for the rest of your life. Check out the wide selection of pension annuities, including the guaranteed payout period
Find out more about pension annuities

IZRAČUN DODATNE POKOJNINE

Monthly returns of the funds

maj 2025

Fund NAV (net asset value) Monthly return 12-month return
Dinamični podsklad 19,7573 72.125.629,52 € 5,30 % 6,65 %
Preudarni podsklad 15,5111 47.412.074,49 € 3,24 % 5,47 %
Guaranteed sub-fund 11,4107 319.840.445,18 € 0,89 % 4,56 %

Movement in the actual unit value

Od: Do:

Structure by investment type

Dinamični podsklad
Preudarni podsklad
Guaranteed sub-fund

Geographical structure of investments

Dinamični podsklad
Preudarni podsklad
Guaranteed sub-fund

Documentation on the Life-Cycle Pension Fund

TAKE A LOOK AT THE FUND’S DOCUMENTATION

Other funds

Civil Servants Life-Cycle Fund

It is a closed life-cycle pension fund. Public sector employees save in this fund and can add to the savings paid in by their employer. It consists of three sub-funds: dynamic, prudent and guaranteed.
LEARN MORE

Prvi pokojninski sklad

This is a closed mutual pension fund that acquired its funds and savers by exchanging pension vouchers for a supplementary pension insurance policy. As of 1 January 2003, further payments into the fund or enrolment in the fund are no longer possible.
SPOZNAJ VEČ

Saving with us is a long-term arrangement.
You are just a few steps away from starting your savings building journey.

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More than 315.478 savers are already saving with us.

Contact us
080 23 45 info@modra.si Digital branch
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