Topical issues

The Finnish Centre for Pensions produces independent research data on how the earnings-related pension system works, the impacts of pension reforms and how the pension system is achieving its objectives. In 2025–2029, our research focuses on four key areas: working careers, transition to retirement, pension adequacy, and the financial sustainability of the pension system.

The 2025 pension reform in Finland introduces significant changes aimed at ensuring the financial sustainability of the country’s earnings-related pension system. Pensions will continue to accrue as usual, and age limits remain unchanged, but investors in pension assets can now expect better investment returns.

The assets of the Finnish earnings-related pension system increased by about 20 billion euros in 2024. The growth is due to investment returns. Insurance contribution income increased by more than half a billion euros.

The number of Finns retiring on disability pensions each year has remained relatively stable throughout the 2020s. In 2024, this number saw a slight decrease, marking the lowest in statistical history. These figures come from the latest statistics by the Finnish Centre for Pensions.

The first ETK Pension Research Forum delves into pension reforms, their impact and the issues that need to be addressed in future reforms. Welcome to the webinar on Monday 17 March 2025 at 13:00–15:00 (CET). The webinar is in English.

Finnish people extend their working lives faster than estimated. In 2024, people retired on an earnings-related pension at an average age of 63.1 years. The target set for 2025 has already been reached and passed by more than half a year.

The number of applications for A1 certificates to Spain increased in 2024. The popularity of remote working abroad is one of the reasons for this growth. Self-employed persons are also applying for A1 certificates more than before.

A room full of experts gathered in Helsinki on 31 January 2025 to tackle issues of social security coordination and free movement of workers.

The short booklets “The ABCs of pensions for employees” and “The ABCs of pensions for the self-employed” have been updated. The online and printable two-page booklets provide key facts about earnings-related pensions for employees and the self-employed and are published by the Finnish Centre for Pensions. The figures are in 2025 prices.

Each year, the Finnish Centre for Pensions grants a Pro Gradu Award to a distinguished Master’s thesis. The award is 2,000 euros. Proposal for the award must be presented on 14 March 2025 at the latest.