Old-age pension savings

Second pension pillar in Bratislava

Review your pension company, funds and allocation against the time remaining to retirement.

We explain strategy, costs and fluctuations, and distinguish changing a fund from switching companies.

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Pension funds in numbers

Second-pillar index funds

Review the specific fund, its strategy and your long-term horizon. Index funds mainly invest in equities and can fluctuate significantly.

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Historical performance at 9 October 2026
CompanyFund5 years p.a.10 years p.a.
AllianzPROGRES indexový negarantovaný d.f.11.534 %10.678 %
KOOPERATIVAESG indexový negarantovaný d.f.10.759 %9.944 %
KOOPERATIVASvetový indexový negarantovaný d.f.——
NNIndex Global – Indexový negarantovaný d.f.11.846 %11.430 %
UNIQAIndexový negarantovaný i.d.f.11.485 %11.454 %
VÚB GeneraliINDEX, indexový negarantovaný d.f.12.027 %11.813 %

VÚB Generali and UNIQA are two of the pension companies compared. In this historical period VÚB Generali INDEX had the highest five- and ten-year figures in this table; this does not predict future rankings.

P.a. means annualised performance over the stated period. One-year performance covers that year. These are fund results, not a fixed interest rate or each saver’s personal return.

KOOPERATIVA Svetový launched in 2025 and has no five- or ten-year history.

This educational comparison includes NN, which is not on Simplea’s current contracted-partner list. It does not imply every fund can be arranged through this branch.

Past performance does not guarantee future returns. Strategy, risk, costs and time matter. Fund selection depends on your age, horizon and circumstances.

Source: ADSS, weekly report at 9 October 2026; checked 16 October 2026.

How it works

From questions to a decision

  1. 01

    Tell us what matters

    We establish your goal, budget and questions.

  2. 02

    Compare options

    We review costs, conditions and limitations.

  3. 03

    Understand the recommendation

    You will know why an option is worth considering.

  4. 04

    Take the next step

    We agree on documents, arrangements and ongoing support.

What to prepare

  • Latest pension-company statement
  • Fund names and allocation
  • Questions and time to retirement

Individual terms matter

Higher historical returns do not guarantee a higher future pension. Switching companies alone may not improve results.

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Services

Good questions. Clear answers.

Is the pension-company brand enough?

No. The specific fund, strategy and your allocation matter.

Is a fund change the same as switching companies?

No. They are different steps with their own rules.

Do I need to switch immediately?

No. First understand the current setup and reasons to keep it or consider a change.

Start with a conversation

What would you like to resolve?

Contact us directly or prepare a message. We will agree on the topic and a time to talk.

0918 835 525martin.mikolasek@simplea.skPrievozská 1318/14
821 09 Bratislava

Meetings by appointment.

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martin.mikolasek@simplea.sk · 0918 835 525

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