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Financial information and investments

During the first quarter of this year, the return on Veritas’ investments amounted to -3.5 per cent. Fixed-income instruments yielded -3.0 per cent, equity investments -6.8 per cent, real estate 1.2 per cent and other investments 3.0 per cent.

”The equity market has been declining as a result of the soaring inflation and rising interest rates, along with the war in Ukraine. In traditional asset classes, negative returns have been unavoidable. However, alternative and illiquid investments with slower reaction times have still been generating positive returns”, says Veritas’ Chief Investment Officer Kari Vatanen.

Veritas’ solid solvency position safeguards pension funds in the deteriorating market conditions.


Financial information
Annual report


Investment allocation by asset class

31 March 2022

34% of Veritas investements were fixed-income investments, 42% equity investments, 16% real estate investments and 10% other investments. The value of investments was 4.2 billion euros.

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 remained at a secure level and at the end of March was 1.7-fold compared to the solvency limit. The solvency ratio amounted to 127.9 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 is a pension insurer for entrepreneurs.

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