RAIFFEISEN OPEN-ENDED PRIVATE PENSION FUND Save now for a more secure future
The Raiffeisen Private Pension Fund is an alternative savings method that helps you build a supplementary pension to maintain your standard of living after retirement.Invest starting from 1,000 Lek, benefiting from tax advantages, and build long-term savings for your future. The fund is inheritable and professionally managed by Raiffeisen Invest.
Advantages Why Invest in the Raiffeisen Private Pension Fund
Discover the benefits of the Private Pension Fund and plan your financial future with a flexible, long-term solution.
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
Where Your Savings Are Invested
The Fund invests primarily in securities issued and guaranteed by the Albanian government and local authorities. The Fund's investments consist of debt securities with predominantly long-term maturities, which are issued and traded on regulated markets in the Republic of Albania.
Key Facts FUND DETAILS
Main Features of the Fund Detailed information on the characteristics and costs of the Raiffeisen Private Pension fund.
| Currency | LEK |
| Minimum investment amount | 1,000 Lekë |
| Management fee | up to 1.5% p.a. |
| Minimum recommended investment horizon | As long-term as possible, preferrably until pension age. |
| Withdrawal of assets | Up to 5 years before reaching retirement age or in cases of permanent incapacity for work. |
| Premature withdrawal | Penalties are applied according to the legislation in force |
| Fiscal benefits | The maximum limit according to the legislation in force |
| Transfer fee | 0.5% 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.
FAQ 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.
Ready to Invest? 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
Phone
Call the number below and one of the agents will assist you with any questions you may have.
Send e-mail directly to the email address.