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We are Elo, a large Finnish pension insurance company. We make sure that our customers get the pensions that they have earned. We help our customer companies succeed and to rise to the challenges of changing work life. We manage our customers’ pension funds profitably, securely and responsibly. The pension funds are carefully diversified – internationally and into different asset classes. They secure pensions and set a foundation for sustainable profits decades into the future.

One third of all Finnish companies and about 40% of self-employed people in Finland have chosen Elo to manage their pension insurance needs. We have been entrusted with the provision of future pensions of around 477,000 employees and self-employed persons, the payment of pensions for around 240,000 pensioners and the management of EUR 26 billion in investment assets.

Elo was born on 1 January 2014 with the merger of LocalTapiola Pension and Pension Fennia.


Elo's strategy

Elo’s Board of Directors have approved Elo’s strategy until 2022. Our strategy starts with our basic mission. Our mission statement is as follows: “Taking care of customers’ pension interests responsibly”, and our vision is: “The most convenient and convincing — passionately in your everyday life.”

Our strategic themes are “responsibly competitive”, “customer experience as a competitive edge” and “renewing our expertise.”

The justification for our existence in the decentralised earnings-related pension system is that we continuously develop our competency, solvency and efficiency.