One of the best savings methods available

With private pension savings, the employee puts aside 2–4% of their wages every month and receives an additional 2% contribution (pay increase) from the employer. The savings can be used in later years or to facilitate the purchase of a home.

Chief Advantages

Private pension savings are inherited, rarely reduce payments from the public sector and ensure increased disposable income in later years.

Property Purchase

Private pension savings can be used to buy your first property or for a tax-free deposit into a mortgage.

Specified personal savings

A premium in excess of 12% can be allocated in full or in part to specified private pension. It is handled mostly like traditional private pension.

Investment Schemes

You can choose from three different investment options within Gildi’s private pension division, depending on what suits you best.
Returns
Applications
Key information
Terms of Contract

Secure yourself a 2% pay increase

Based on a wage of ISK 350,000, paid-out wages decrease by a little less than ISK 9,000 per month (almost ISK 106,000 per year and a little more than ISK 3.7m over a period of 35 years). Based on a 4% real return, it returns almost ISK 19 million after 35 years. That is to say, the amount you set aside increases more than fivefold.

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