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Financial information and investments

In the third quarter of the year, Veritas’ investments generated a return of +0.5 per cent, even though the equity market has been declining.

The return from Veritas’ investments in January through September amounted to -6.2 per cent. Fixed-income investments generated a return of -8.2 per cent, equity investments -12.6 per cent, real estate 3.9 per cent and other investments 12.9 per cent.

”The decline of listed shares has persisted, but alternative investments have generated positive returns in our investment portfolio,” says Veritas’ Chief Investment Officer Kari Vatanen.

Solvency remained at a solid level and was at the end of September 1.7-fold compared to the solvency limit.


Financial information
Annual report

Investment allocation by asset class

30 September 2022

Of Veritas' investements, 31% are fixed-income investments, 37% are eguity investments, 17% are real estate investments and 12% are other investments.

Investment activities

We invest our accrued funds profitably and securely as a means of ensuring future pensions. The aim of our investment activities is to achieve the best possible return in order to ensure sustainable funding for pensions.

Our investment activities are professional, independent and responsible. We utilise a wide range of different revenue sources and diversify our investments internationally among different asset classes. Our investments comprise fixed-income investments, equity investments, real estate investments and other alternative investments.

Read more about responsibility at Veritas


The solvency position remained strong and at the end of June, it was 1.7-fold compared to the solvency limit. The solvency ratio amounted to 124.1 per cent. 

The solvency capital serves as a risk buffer for the purposes of our investment activities and against insurance risk. It determines the pension provider’s capacity to bear risk and pursue higher returns on investment activities. High investment returns increase a pension provider’s solvency and, correspondingly, the solvency decreases during weaker investment years.

Veritas’ solid solvency position safeguards pension

Veritas' solvency ratio was 124.1 per cent at the end of September. The solvency capital stood at EUR 821.7 million.

Veritas is a pension insurer for entrepreneurs.

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