Pensions

At LSR you get extensive pension rights for you and your family.

More about LSR pensions

Personal pensions

Get an add-on from your employer and increase your financial flexibility.

More about LSR personal pensions

Loans

LSR offers fund members diverse and flexible property loans.

More about LSR loans

Life Events

We support you at important junctures

As a LSR fund member, you gain the right to a pension for the rest of your life. In addition, the pension premium entitles you to a disability pension and your family may be entitled to a spouse's and child's pension. At LSR, you can also save into a private pension fund, which is one of the best savings available, and take out a loan to buy property.

See all life events

Upon the start of employment

What should you keep in mind when you start contributing to LSR?

Young couple looking at a computer at home.

Property purchase

If you are buying a property or refinancing, LSR fund member loans might be a good fit for you.

Elderly lady interacts with a young child in a garden.

Upon retirement

Here are the main things to consider when preparing for your retirement.

Upon death

Upon death of an LSR fund member, surviving family members may be entitled to pension payments.

News and announcements

Milestones Reached in a Strong Operational Year for LSR

10. April 2025

The year 2024 was a strong operational year for LSR, with the fund delivering a total nominal return of 12.4%, which corresponds to a net real return of 7.1%. The fund’s net investment income amounted to ISK 173 billion, the second-highest ever in LSR’s history. At year-end, the fund’s total assets stood at just under ISK 1,567 billion.

Interest Rate on Non-Indexed Loans Reduced to 8.3%

28. March 2025

The interest rate on new non-indexed loans from LSR will decrease by 0.2 percentage points, from 8.5% to 8.3%, effective Friday, March 28, 2025. The interest rate on LSR’s non-indexed fund member loans is fixed for 36 months at a time.

Halla Kristjánsdóttir, Head of Asset Management at LSR

LSR's long term investment vision

12. March 2025

This week, Halla Kristjánsdóttir, Head of Asset Management at LSR, published an article discussing LSR’s perspective on investment operations, its fiduciary duty, and procedures. The article highlights the importance of sustainability in business operations and resource utilization when making long-term investment decisions.

Changes to Private Pension Withdrawal Rules

7. March 2025

Starting April 1, withdrawals from LSR Private Pension will be processed on two fixed dates each month: the 1st and 15th of the month.

News and announcements overview