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Pension question, Latvia

What happens to my Latvian second pillar savings?

The funded second pillar takes six of the twenty contribution points and holds shares, bonds, other securities and bank deposits. Under Article 3.1 of the Valsts fondeto pensiju likums, a second pillar participant who dies before taking a pension and who named nobody has his funded capital credited to the state pension special budget.

  • Source: vsaa.gov.lv, likumi.lv, read 4 October 2026
  • Source: likumi.lv, vsaa.gov.lv, read 4 October 2026

What to do next

  1. Find your Latvian personal identity code on old papers.
  2. Look for the name of your second pillar fund manager on any statement you kept.
  3. Run our free check, then order a report if you want us to identify what is held in your name.

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Questions people also ask

How many years does the state pension ask for?

Latvia pays an old age pension at 65, and since 1 January 2025 it asks for 20 years of Latvian insurance before it pays anything.

  • Source: vsaa.gov.lv, likumi.lv, read 4 October 2026

Do you give advice on what to do?

No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.