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

LSR Private Pension Savings

Get a pay raise through private pension savings

When you contribute to private pension savings, your employer adds 2% on top of your salary and pays it into your private pensions account. That’s a direct pay raise for you! That’s why everyone should take advantage of private pension savings. Choose wisely – at LSR, you pay no joining fees, management fees, or withdrawal costs.

Apply for Private Pension Further information

pay raise thanks to employer matching contribution

joining fees, management fees, or withdrawal costs

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

Choose your private pension fund wisely

14. July 2025

Private pension savings are among the best savings options available, as employers contribute an additional 2% of your salary into the fund. Choosing the right fund matters, because some charge significant fees.

LSR's 2024 Sustainability Report Published

2. July 2025

LSR has now published its first sustainability report, which provides a detailed overview of the fund’s sustainability activities in 2024. The report covers both the fund’s investment portfolio and internal operations.

More Powerful Pension Calculator

12. May 2025

LSR’s pension calculator for Division A has been updated, allowing fund members to now calculate the impact of taking half-pension benefits before transitioning to full pension. Members can also see how their pension entitlements develop if they choose to continue working while receiving full pension payments.

A screenshot of LSR's annual report for 2024

LSR Annual Report 2024 Now Published

6. May 2025

The LSR Annual Report for 2024 has now been released. It covers the fund’s operations over the past year, year-end assets, and much more. This year’s report comes in a new format, with an emphasis on interactive presentation of content and information.

News and announcements overview