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Financial information and investments

The total return on Veritas’ investments was 3.9 per cent in April–June and 7.3 per cent in the first half of 2021. The good investment result strengthened Veritas’ solvency, which increased to ​131.5 per cent at the end of June. Veritas’ solvency capital surpassed one billion euros for the first time. Veritas attracted a record number of new customers in the second quarter. 


Financial information
Annual report

Investment allocation by asset class

30 June 2021

Investment allocation by asset class, 30 June 2021. Fixed-income investments 35%, equity investments 43%, real estate investments 15% and other investments 7%.

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


Good investment returns strengthened Veritas’ solvency. The solvency ratio increased to 131.5 per cent during the first quarter of 2021. The solvency capital was 1.9 times the solvency limit.

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.

Good investment returns strengthened solvency

Market sounding

At Veritas, only Interim CEO Tommy Sandås, 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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