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Financial information and investments

After the crash in March, equity and credit risk investments recovered in the second quarter of the year. However, the return on investments for the first half of the year is still in negative territory (-4.2% for the period of January–June). The return on fixed income investments was -0.2 per cent, equity investments -9.6 per cent, real estate 2.6 per cent and other investments -6.3 per cent.

Veritas’ solvency has remained strong throughout the corona crisis.


Financial information

Investment allocation by asset class

30 June 2020

Investment allocation, 30 June 2020

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


Veritas’ solvency position has remained at a good level throughout the entire corona crisis and was 1.8 at the end of June. The solvency capital totalled EUR 665.7 million and the ratio of pension funds to funded technical provisions was 122.4 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’ solvency has remained strong throughout the corona crisis

Solvency 30 June 2020

Market sounding

At Veritas, only CEO Carl Pettersson, Chief Investment Officer Kari Vatanen (all other investments than shares listed in Finland) and Equity Portfolio Manager Kim Fors (shares listed in Finland) are entitled to receive market soundings.

Market soundings must be sent by email (, unless the recipient has given express permission to use an alternative method.

Veritas is a pension insurer for entrepreneurs.

Always personal service - also online.

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