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News and articles
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News
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2023-Q4
- Pension changes at the turn of the year
- The Ministry of Social Affairs and Health has confirmed earnings-related pension contributions for 2024
- Uncertainty returned to the markets – unlisted investments generated the strongest return of Varma’s investments
- Varma receives four out of five stars in the GRESB real estate sustainability assessment
- Indices for earnings-related pension cover for 2024 have been confirmed: Earnings-related pension increases by 5.7 per cent
- Pension insurance companies submit application concerning 2024 earnings-related pension insurance contribution
- Varma is the third pension company in the world to gain validation for its Science Based Targets
- Varma’s administrative cost contribution will decrease next year – strong solvency guarantees the best client bonuses
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2023-Q3
- Varma looked into the responsibility of the fund management companies – almost all are aligned with Varma’s principles
- Varma and CSC – IT Center for Science agree on long-term lease of premises in Keilaniemen Portti
- Mikaela Öberg appointed Varma’s Senior Vice President of People and Development
- Estimate the TyEL contribution for 2024 in Varma Online Service
- Varma’s investments returned 2.6 per cent – US equities enjoying strong momentum
- Forecast data on pension adjustments due to index changes at the turn of the year 2023–2024
- Varma became third in responsible investing transparency ranking
- Varma to launch construction of an office building in Espoo – Keilaniemen Portti will serve as the landmark for the office hub
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2023-Q2
- Our customer service is here to help you also during summer, and the Varma Online Service is always at your fingertips
- The insurance contribution interest rate used in compounding the TyEL insurance contribution will rise as of 1 July 2023
- Entrepreneurs subject to YEL income reviews this year will be informed of their upcoming review – reviews to take place between June and November
- The investment environment was marked by short-lived crises – among Varma’s investments, listed equities performed best
- Pension record shows your accrued pension and an estimate of your future pension
- Customer service office hours during Easter
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2023-Q1
- Helsinki’s Katajanokka is being transformed – wooden building supports Varma’s carbon neutrality goals
- Annual and Sustainability Report: In 2022, we focused on broadly developing our sustainability and securing our solvency
- Varma’s 2022 result: Investment markets calmed down by the last quarter – solvency remained strong throughout the year
- The Varma Online Service is the fastest way to take care of insurance matters, especially when the customer service is congested
- YEL was amended – How does Varma review YEL income and whose income will be reviewed this year?
- Varma receives EcoVadis Platinum recognition for its responsibility performance for second time
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2022-Q4
- Varma adopts biodiversity loss mitigation as a sustainability guideline alongside climate workNew Page
- Varma has drawn up Principles for human rights to promote sustainability
- Customer service office hours around Christmas and the turn of the year
- Amendment to the Self-employed Persons’ Pension Act (YEL) approved by Parliament – the amendment will clarify the determination of confirmed income
- Pension changes at the turn of the year
- Varma does well in real estate sustainability assessment
- Varma prepares to exclude intermediaries that fund fossil-based energy
- The Ministry of Social Affairs and Health has confirmed earnings-related pension contributions for 2023
- Varma tops up emerging markets portfolio with a USD 50 million fund investment
- Interest rate on earnings-related pension insurance contributions will rise at the beginning of 2023
- Accelerated inflation and interest rate hikes caused market fluctuations – despite negative investment returns, many asset classes yielded positive returns
- Indices for earnings-related pension cover for 2023 have been confirmed: Earnings-related pension increases by 6.8 per cent
- Employment pension insurance companies submitted an application to the Ministry of Social Affairs and Health concerning the 2023 pension contribution
- Varma joins Science Based Targets initiative
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2022-Q3
- Estimate your next year’s TyEL contribution in the Varma Online Service
- YEL income calculator makes it easier to determine an entrepreneur’s confirmed YEL income
- Advance information on pension adjustments due to index changes at the turn of the year
- Varma’s phone service is now available in Finnish, Swedish and English from a single number
- Varma’s result for January–June 2022: Broad diversification brought stability in a challenging market environment
- What is the amendment proposed to the Self-employed Persons’ Pension Act (YEL) about?
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2022-Q2
- Varma sharpens its climate policy: Investment portfolio’s absolute emissions to be cut in half by 2030
- Our customer service helps you also during the summer
- Varma is a seed investor in BlackRock’s Paris Aligned corporate bond ETF
- Varma Online Service revised again – Check out the entire offering of our smooth user-friendly service
- Changes to how TyEL contributions are determined – Varma’s efficiency and solvency will directly benefit customers
- Some of Varma Online Service’s services will be offline 1 June–6 June due to revamping – plenty of new and useful changes in store
- Our Sustainability Programme’s cornerstone is taking care of pension assets – increasing significance in biodiversity, human rights, and a sustainable value chain
- Markus Aho appointed Varma’s Chief Investment Officer
- Varma’s January–March 2022 result: Solvency remained strong in an unstable market
- Varma invests EUR 300 million in low-emission companies in Japan
- Customer service office hours during Easter
- Varma’s Chief Investment Officer Reima Rytsölä will move on to new tasks outside of the company
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2022-Q1
- We serve you in pension and rehabilitation matters by phone from 9 am to 3 pm
- Pension record shows your accrued pension and an estimate of your future pension
- Varma’s Annual and Sustainability Report 2021 discloses information on climate risk management, and the progress made towards a carbon-neutral portfolio
- Varma’s 2021 result: best return on investments in history, at 18.5 per cent
- One of Varma’s biggest office building projects is being planned for the Pasila Tower Area – the main tenant will be Elisa
- Markus Aho appointed Varma’s Head of Private Investments, Mikko Koivusalo to continue in a senior alternative investments role
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2021-Q4
- Customer service office hours around Christmas and the turn of the year
- Varma helps entrepreneurs define the appropriate level of confirmed YEL income
- Pension changes at the turn of the year
- Varma joins Partnership for Carbon Accounting Financials to increase transparency of greenhouse gas emissions from loans and investments
- The Ministry of Social Affairs and Health has confirmed earnings-related pension contributions for 2022
- January–September 2021 interim result: Varma’s investments returned 13.5 per cent
- Varma achieves four-star rating in Global Real Estate Sustainability Benchmark (GRESB)
- Employment pension insurance companies submitted an application to the Ministry of Social Affairs and Health concerning the 2022 pension contribution
- Varma joins world’s largest corporate sustainability initiative Global Compact
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2021-Q3
- From 1 October, our telephone service for pension and rehabilitation matters will be open from 9 a.m. to 3 p.m.
- Estimate the 2022 TyEL contribution with our contribution estimate service – just enter the payroll amount
- Varma’s 2021 half-year result: The return on investments was 10.4 per cent, i.e. EUR 5.2 billion
- Sampsa Ratia appointed director in charge of real estate investments at Varma
- The detailed plan for the office space and hotel project in Katajanokka has been validated – construction is set to begin in the autumn
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2021-Q2
- Varma signs Global Investor Statement to Governments on the Climate Crisis
- Renewed varma.fi makes for clearer and easier online experience
- Varma invests EUR 230 million in State Street’s sustainable climate bond funds
- Develop your organisation’s work ability with the help of our fully revamped online service
- Varma invested EUR 200 million in BlackRock’s sustainable investment fund
- On the pension record, you can view your accrued pension and an estimate of your future pension – check your information in our eServices
- January–March 2021 result: Varma’s investments returned 6.0 percent, i.e. EUR 3.0 billion, in the first quarter of 2021
- Take part in Varma’s sustainability survey
- Varma partners with Helsinki Pride again – the goal is to promote equality in working life
- Our new Varma Online Service provides our customers with smooth service and impressive tools for the development of work ability
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2021-Q1
- Agreement between the EU and the UK – how social security and insurance will be co-ordinated in future
- Varma made a USD 240 million investment in a sustainable fund that invests in emerging markets
- Varma among top companies in global sustainability assessment
- Extract of book on Varma’s history now available on Varma’s website
- Financial Statement 2020: Value of Varma’s investments exceeded EUR 50 billion; return on investments 2.8 percent
- Varma exits coal and oil investments
- Varma’s Annual and Sustainability Report discloses information on climate risk management and the progress made towards carbon-neutral portfolio
- 2020-Q3
- 2020-Q2
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2020-Q1
- Varma to acquire OP Cooperative’s Vallila property together with South Korean investors
- Architectural competition candidates for wooden office building in Katajanokka announced
- Varma to cut emissions of its housing stock in half by 2023 – some apartment buildings will give up district heating completely
- Successful investment year for Varma: 12% return on investments, and customer acquisition at record-high level
- Varma’s Annual and Sustainability Report includes disclosures on climate-related risks in accordance with the TCFD
- Varma’s head office now uses emission-free recycled heat
- We are there for our customers despite coronavirus
- Instructions and information about the impacts of the coronavirus for our customers
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2019-Q4
- Varma-owned office building site on Annankatu to be renovated into conference hotel – Scandic new tenant
- The return on Varma’s investments was 8.8%, i.e. EUR 3.9 billion
- Stora Enso to be main tenant of Varma’s wooden office building – architectural design competition for Katajanokka site
- Varma is renewing its climate targets: Carbon-neutral portfolio by 2035, accelerated decommissioning of coal-fired power plants, oil exploration to be excluded
- New members elected to Varma’s Board of Directors
- Sustainable fund that invests in the U.S. developed by Varma to be listed on London Stock Exchange
- Varma joins global alliance that aims to phase out the use of coal
- Mailing of annual letter to pension recipients has begun
- Jari Paasikivi continues as Chairman of Varma’s Board of Directors
- Our customer service is open on business days during the holiday season
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2019-Q3
- Profitable first half year for Varma, return on investments was 6.9%, i.e. EUR 3.0 billion
- Varma earns excellent scores in responsible investment assessment
- Varma listed among leaders in PRI’s global responsible investment assessment
- Sustainable fund developed by Varma listed on London Stock Exchange
- GRESB newcomer Varma gets good results in real estate sustainability assessment
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2019-Q2
- Strong early year for Varma – return on investments 5.1%
- Investors demand transparency in the supply chain – Varma joins international initiative to promote decent work
- Christoph Vitzthum elected Chairman of Varma’s Supervisory Board
- Climate change and good working life are at the core of Varma’s sustainability
- Monitor your earnings-related pension in the Incomes Register
- Varma is the first official financial sector partner of Helsinki Pride
- Check your earnings-related pension record – it’s more up to date than ever before!
- Jumbo and Flamingo to merge into the Nordics’ largest shopping and entertainment centre
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2019-Q1
- Varma has 38 environmentally certified buildings
- Varma has updated its investment blacklist – industries excluded for ethical and climate reasons
- Efficiency at record level, the last quarter pushed investment return into the negative
- Varma’s Annual General Meeting appoints eight new members to Supervisory Board
- Varma and S-Bank join international tobacco-free initiative that aims to get investors to withdraw their investments from the tobacco industry
- Varma’s Annual and CSR Report also includes disclosures on climate-related risks in accordance with the TCFD
- Chairman Kari Jordan resigns from Varma’s Supervisory Board
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2018-Q4
- Suvi Hintsanen has been appointed Varma’s Senior Vice-President of Client Services
- Varma’s return on investments stood at 3.5% – solvency strengthened
- Varma to become official partner of Helsinki Pride
- Varma’s Board of Directors remains unchanged
- Jari Paasikivi continues as Chairman of Varma’s Board of Directors
- Pension funds have been divesting investments in fossil energy – Varma requires investees to make plans for reducing emissions
- 2018-Q3
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2018-Q2
- Varma has invested in M Campus office asset in Paris region
- Varma Mutual Pension Insurance Company has sold shares in Sampo Plc
- Varma Mutual Pension Insurance Company announces its intention to offer class A shares in Sampo Plc to institutional investors
- Reima Rytsölä: Investors have the power and duty to make the world a better place
- Diversification offered protection in market turmoil – solvency remained strong
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2018-Q1
- Varma expects a responsible approach from its suppliers
- Pension assets increasingly climate friendly – carbon footprint of Varma’s investments in dramatic decline
- ‘S’ stands for socially sustainable investments
- Very strong year for Varma: Investments yielded 7.8% or EUR 3.3 billion
- Changes in Varma’s Board of Directors
- Varma’s Annual General Meeting appoints five new members to Supervisory Board
- Varma’s Annual and CSR Report has been published
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2017-Q4
- Strong economy reflected in returns – Varma’s return on investments stood at 6.2 per cent
- Varma invests in the rising green bond market
- EU’s data protection regulation causes no additional data protection measures between Varma and client companies
- Varma’s Board of Directors remains unchanged
- Varma currently owns 22 BREEAM-certified properties
- Jari Paasikivi continues as Chairman of Varma’s Board of Directors
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2017-Q3
- Varma’s equity portfolio well aligned with 2-degree climate target
- 5,000 solar panels to be installed on the rooftops of Varma’s properties
- The value of Varma’s investments rose to EUR 45 billion
- Hanna Kaskela appointed Director of Responsible Investment at Varma
- Varma joins Climate Leadership Council
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2017-Q2
- New phone number for insurance and pension customers
- The return on Varma’s investments in the first quarter of the year was EUR 1.2 billion, i.e. 2.7%
- Varma is preparing for the coming of electric cars: 250 chargeable parking spots under construction in Salmisaari parking facility
- Kari Jordan continues as Chairman of Varma’s Supervisory Board
- Varma helps promote responsible hedge funds
- Varma brings good governance and responsibility to the core of its ownership policy
- Bonnier and Varma sign lease agreement for Lönnrotinkatu 18
- Building work on Varma’s Kalasatama Campus gets under way
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2017-Q1
- Varma to chronicle company’s history
- Carbon footprint of Varma’s investments declines substantially within a year
- Varma’s Financial Statement 2016: Return on investments 4.7% or EUR 2.0 billion
- Carbon footprint of Varma’s head office down 23% during the year
- Varma’s rental residential properties switch to renewable electricity
- New member elected to Varma’s Board of Directors
- Varma and SOK sign long-term lease agreement on SOK’s Vallila head office
- Varma’s Annual General Meeting appoints five new members to Supervisory Board
- Varma’s Annual and CSR Report has been published
- New digital services for Varma’s private customers
- Varma’s sustainability portfolio wins Nordic responsible investment award
- 2016
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2023-Q4
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Articles
- 2022-Q4
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Blogs
- 2023-Q1
- 2022-Q1
- 2021-Q3
- 2018-Q1
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Blogs
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News and articles
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Contact us
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Private customer
- I wish to estimate the amount of my future pension
- I need information on the taxation of my pension
- Your employment ends before retirement age
- I want information about the index increments at the turn of the year 2023/2024?
- I want to benefit from the index increment at the turn of the year 2023/2024 in my old-age pension?
- I think about starting my partial old-age pension at the turn of the year 2023/2024
- I wish to check my pension accrual
- I am working while on pension
- My work ability has weakened
- Pensioner has died
- I am reducing my working hours
- Varma rejected my application
- There's an error on my pension record
- I haven't received my pension record
- I need help using the online service
- I have lived abroad
- I would like to change my bank account number or address
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Self-employed
- I need a YEL certificate
- I wish to apply for a change in my YEL income
- I would like an electronic invoice
- I need an extended term of payment
- I need more information about the YEL income review
- I need help using the online service
- I want to start using Varma Online Service
- I would like to change my bank account number or address
- I need a power of attorney for my accounting firm
- I wish to estimate the size of my earnings-related pension and insurance contributions
- I am unhappy with a decision
- I have fallen ill
- I am taking parental leave
- My work ability has weakened
- I wish to use the flexibility option in YEL contributions
- I wish to terminate my YEL insurance
- I want to retire
- I am terminating my business
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- I am hiring an employee
- I am a temporary employer
- My employee is retiring
- I need information about pension insurance for a position of trust
- I need information on insuring work abroad
- I want to change the Varma Online Service settings for email or text message notifications
- I suspect I have received a scam message
- I need a YEL insurance number
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Employer
- I want to start using Varma Online Service
- I would like an electronic invoice
- My employee’s work ability has weakened
- I wish to order a payment certificate
- I need an extended term of payment
- I need a power of attorney for my accounting firm
- I am a temporary employer
- I would like to report a change in my bank account number or address
- I wish to see my company’s TyEL invoices
- I want to know when to take out TyEL insurance
- I am hiring an employee
- My employee is retiring
- I need help using the online service
- I am terminating my business
- I am reorganising my business
- I need information about pension insurance for a position of trust
- I need information on insuring work abroad
- I need a TyEL insurance number
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