Tuleva

Tuleva was founded by a community of Estonian pension savers with the mission to make long-term saving more profitable for people by offering evidence-based investment funds with significantly lower management fees than traditional banks. It operates as a commercial association (Tulundusühistu), where the fund unitholders are also co-owners of the asset management company, Tuleva Fondid AS. This structure aligns the company's interests with its clients, focusing on maximizing saver returns rather than management profits. Their primary products are Estonian 2nd and 3rd pillar pension funds and a global equity UCITS fund.