The savings account is opened the first time your employer:
- declares the payroll to TAK, in which you are correctly identified, and
- makes the payment according to that declared list.
If you are self-employed, the account is opened the first time you make the payment of pension contributions, according to the previous respective declaration to TAK.
This account remains yours, identified by your personal number until the full savings withdrawal when the legal criteria are met.
The account accumulates savings over your working age through regular payments of pension contributions by the employer (or by you as self-employed).
Paid contributions are continuously invested to maintain and increase the value of savings over time. However, the biggest contribution to the value of savings are the payments.
Your future pension depends to a large extent on the contributions paid to you during your working age.
If you do not have online access to your account, we suggest you signup or login if you haven’t looked at your account lately.