A partner that's sure to be by your side
Varma provides pension insurance for Finnish work and is a pioneer in work ability management. We are also a responsible and solvent investor. For changes in working life, choose a partner that is there when you need it. As your earnings-related pension insurer, we're sure to be by your side.
How can we help?
Take care of your matters online
YEL matters
- apply for a change in YEL income
- check your YEL invoices
- apply for an extended term of payment
TyEL matters
- check your TyEL invoices and earnings
- apply for an extended term of payment
- identify your organisation's work ability risks
Pension matters
- check your pension record and estimate your future pensio
- apply for pension or rehabilitation
- take care of your matters as a pensioner
Varma’s 2025 result: return on investments 7.5 per cent – very strong return on Finnish equities
Varma’s investments yielded EUR 4.8 billion in 2025. Despite the shadow of US import tariffs over the global economy, the equity markets trended upwards. Finnish equities emerged as the highest-yielding asset class in Varma’s portfolio, propelled by Nasdaq Helsinki’s historically strong year.