Sitemap
- Search
- Self-employed person’s YEL
- Employer’s TyEL
- Pensions
- Rehabilitation
- Work ability
-
This is Varma
-
Current issues
-
News and articles
-
News
-
2024-Q4
- Scam Text Messages Circulating in the name of Varma
- Opening hours of customer service during Christmas and New Year’s
- Interruption in services for private customers in January – instructions for customers
- Varma makes record-breaking investment in a climate fund in the US market
- Varma performed well in the transparency comparison of responsible investment
- Varma invests in a new climate fund in the Japanese market
- More detailed information facilitates customers’ YEL income review process
- Changes in pensions at the turn of the year
- The Ministry of Social Affairs and Health has confirmed the earnings-related pension contributions for 2025
- Curbing biodiversity loss requires much more practical action from companies
- The insurance contribution interest rate used in compounding the TyEL and YEL insurance contribution will decrease as of 1 January 2025
- Tax cards for 2025 already in force on 1 January 2025
- Indices for earnings-related pension cover for 2025 have been confirmed
- Varma’s investments returned 7.7 per cent – fall in interest rates bolstered the return on fixed income investments
- Pension insurance companies submit application concerning 2025 earnings-related pension insurance contribution
- Earnings-related pension contributions in 2025
-
2024-Q3
- Varma will publish its first sustainability statement in the Report of the Board of Directors for 2024 – we will report on material sustainability topics
- Varma’s administrative cost contribution will decrease again – Make an estimate of the TyEL contribution for 2025 in Varma Online Service
- Varma is building Finland’s tallest office building in Helsinki
- The wooden commercial building Katajanokan Laituri opens up the harbour area for the use of city residents
- Varma’s half-year returns driven by the strong performance of listed equities – investments yielded 5.9 per cent
- Varma’s administrative cost contribution will decrease again next year, by as much as 20% – as the most solvent earnings-related pension company, we also pay the highest client bonuses
- Varma joined two new joint initiatives by investors
- Forecast data on pension adjustments due to index changes at the turn of the year 2024–2025
-
2024-Q2
- 2024 YEL income reviews are starting – read the clear guidelines for the income review
- 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 decrease as of 1 July 2024
- Hanna Vainio appointed Varma’s Senior Vice-President of IT and Digitalisation
- Good equity returns raised the value of Varma’s investments to over EUR 60 billion
- Information about the YEL income reviews that are scheduled for 2024 between June and October
- Varma in top one per cent for the third time in EcoVadis sustainability assessment
- Check your accrued pension and an estimate of your future pension from the pension record
-
2024-Q1
- Ethical guidelines for artificial intelligence (AI) drawn up by Varma’s specialists steer the use of AI at Varma
- Our customer service’s Easter opening hours
- Q&A about the reformed contribution category model
- Annual and Sustainability Report: In 2023, we comprehensively promoted sustainability and prepared for the sustainability reporting directive
- Varma’s updated Environmental Policy covers the entire value chain
- Varma’s Keilaniemen Portti achieves full occupancy – unique architecture appeals to tenants
- Varma’s 2023 result: return on investments 6.0% – strong year-end performance driven by listed equities
- The employee’s taxable court costs are not TyEL income
- Metsä Group to lease premises in Varma’s Keilaniemen Portti
-
2023-Q4
- Varma’s YEL reviews went smoothly – self-employed persons’ confirmed income increased by an average of EUR 3,870 in the reviews
- 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
-
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
-
2023-Q2
- 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
-
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
-
2024-Q4
- Articles
-
News
- Blogs and podcasts
- Service by publication
-
News and articles
- Financial information and sustainability
-
About us
- Strategy, values and vision
- Governance and organisation
-
How we do things
- Code of Conduct
- Anti-Bribery Policy
- Insider Guidelines
- Tax Policy
- Supplier Code of Conduct
- Principles for Human Rights
- Principles for Responsible Investment
- Environmental Policy
- Active Ownership and Engagement Principles
- Varma’s Ownership Policy
- Principles for Disability Risk Management
- Automated decision-making
- People, Health & Safety Guidelines and Procedures
- Sponsorships
- Sales and Service Co-operation
- Ethical guidelines for artificial intelligence
- Services for the media
-
Current issues
- Accounting firm
-
Contact us
-
Private customer
- Information about my future pension before applying for the pension
- Impact of indices on the pension amount
- Reduced employment
- After the pension decision
- Take care of practical matters
-
Self-employed
-
Taking care of YEL insurance matters
- 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 would like to change my bank account number or address
- I am unhappy with a decision
- I wish to use the flexibility option in YEL contributions
- I wish to terminate my YEL insurance
- I need a YEL insurance number
- I wish to estimate the size of my earnings-related pension and insurance contributions
-
Varma Online Service
- I want to start using Varma Online Service
- I need help using the online service
- I need a power of attorney for my accounting firm
- I want to change the Varma Online Service settings for email or text message notifications
- I suspect I have received a scam message
- I want to authorise other users to manage my YEL matters in Varma Online Service
- YEL in different life situations
- Changes in business activities
- Entrepreneur as an employer
-
Taking care of YEL insurance matters
-
Employer
- Taking care of TyEL insurance matters
- Varma Online Service
- Hiring and changes in employment
- Changes in business activities
-
Accounting firm
- Varma Online Service
- Taking care of TyEL insurance matters
-
Taking care of YEL insurance matters
- I need a YEL certificate
- I wish to apply for a change in 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 would like to change bank account number or address
- I wish to use the flexibility option in YEL contributions
- I wish to terminate YEL insurance
- I need a YEL insurance number
- I wish to estimate the size of earnings-related pension and insurance contributions
- Changes in business activities
- Lessee
- Media representative
- Contact us
- Varma as the receiver of an online invoice
-
Private customer
- Terms of use
- Cookies
- Data protection and information security
- Accessibility
- Rental apartments
- Take out YEL or TyEL insurance
- Online Service