New pension rules from 2027: What should every insured person know?

Key changes in pension insurance from 2027

The Financial Supervision Commission (FSC) has completed the preparation of the regulatory framework for the second and third pillars of the pension system. The new rules come into force on January 1, 2027, and aim for greater security and flexibility for insured persons.

The changes affect fundamental aspects – from fund management to guarantees for returns and the amounts of payments.

Key highlights:

• Guarantees: A guarantee for the contributed insurance premiums and the initial amount of pension payments is being introduced.
• Investment choice: Insured persons will be able to choose between dynamic, balanced, or conservative sub-funds.
• Fees: A direct link is being introduced between the companies' fees and the returns they achieve.
• New assets: Possibility for investments in infrastructure bonds and shares of public importance.

What should insured persons do?

In the period from September 1 to November 30, 2026, every insured person will have the opportunity to make an informed choice regarding the management of their savings. If you are not sure which universal pension fund you are insured with, you can check through the NRA website.

For professional consultation, please contact only qualified representatives of the pension insurance companies, whose contact details are available in the public registers of the FSC.