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How to Invest in the Raiffeisen Private Pension Fund

The Raiffeisen Private Pension Fund helps you secure additional income for your retirement years — with minimal risk, tax benefits and full flexibility.

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Why Invest in the Raiffeisen Private Pension Fund

Discover why the Raiffeisen private pension fund is the simplest and safest way to save for your retirement.

  • Minimal Risk (Category 1/7)

    The fund invests mainly in government bonds and debt instruments of domestic authorities, which is why it is classified in the lowest risk category (1 of 7).

  • Tax Benefits for You and Your Employer

    Contributions are tax-deductible within the legal limits — for the employee up to the minimum wage, and for the employer as well — reducing your taxable base.

  • Inheritable and Secure

    Your savings are never lost — the fund is fully inheritable and passes to your beneficiaries.

  • Flexible and Accessible from 1,000 LEK

    Start with just 1,000 LEK and change, pause or resume your contributions according to your needs at any time.

Investment Policy

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Where Your Savings Are Invested

The fund’s savings are invested mainly in government bonds and debt instruments of domestic authorities, prioritising capital preservation and stability over high returns. This conservative policy is why the fund sits in the lowest risk category.

Pension Fund Characteristics

All the key facts about the Raiffeisen private pension fund in one place.

CurrencyLEK
Minimum investment amount1,000 Lekë
Management feeup to 1.5% p.a.
Minimum recommended investment horizonAs long-term as possible, preferrably until pension age.
Withdrawal of assetsUp to 5 years before reaching retirement age or in cases of permanent incapacity for work.
Premature withdrawalPenalties are applied according to the legislation in force
Fiscal benefitsThe maximum limit according to the legislation in force
Transfer fee0.5% of the transferred amount

Fund Documentation

Download the fund documents for complete information.

How to Invest in the Pension Fund in 3 Steps

  • Visit a Raiffeisen Bank Branch

    Visit your nearest Raiffeisen Bank Albania branch or contact Raiffeisen Invest. The staff will guide you through every step.

  • Read the Documents and Prospectus

    Get full information about the fund and carefully read the fund Prospectus and the Key Investor Information Document (KIID).

  • Sign the Membership Contract

    Sign the membership contract with Raiffeisen Invest and start your contributions — individually or through your employer.
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Frequently Asked Questions about the Private Pension Fund

Find answers to the most common questions about investing in the Raiffeisen Private Pension fund.

It is a voluntary fund that complements the public pension: you contribute, the fund invests your money mainly in government bonds, and you receive an additional pension in retirement.

Contributions are tax-deductible within the legal limits: the employee up to the minimum wage, and the employer as well — reducing the taxable base.

You can start with just 1,000 LEK — the lowest entry point on the market, accessible for any income level.

You can withdraw it up to 5 years before the legal retirement age; earlier withdrawal carries a penalty.

Yes — it is in category 1 of 7 (the lowest), invests mainly in government bonds, and is managed by Raiffeisen Invest under AMF supervision.

Yes, with a transfer fee of 0.5% of the transferred amount.

The fund is fully inheritable and passes to your beneficiaries — your savings are never lost.

The public pension (ISSH) is mandatory and state-run; the private pension is voluntary, personal and inheritable, and complements the public pension with additional income.

Yes — you can change, pause or resume your contributions at any time, according to your means.

Contact Us

Contact Raiffeisen Invest or visit the nearest branch to open an account and start your investment.

Address

Abdyl Frashëri St., EGT Tower, Floor 11/1, 3rd Floor, Tirana, Albania

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Phone

Call the number below and one of the agents will assist you with any questions you may have.

+355 69 40 40 481

Email

Send e-mail directly to the email address.

invest@raiffeisen.al