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Log in to our online service(In Finnish and Swedish). Manage insurances and investments.Log in to our investment online service(In Finnish and Swedish). Use the online service to start investing, monitor your investments, place orders and make changes.Log in to the motor vehicle finance online service(In Finnish)Log in to the life insurance application service(In Finnish and Swedish)
Create a new online service agreementTo start using the new corporate online service conclude a new online service agreement.Log in to the new serviceYou can log in here if your company has already created a new online service agreement.Log in to our investment online service(In Finnish and Swedish). Track your investments and make assignments. You can also find the company contracts if the company has authorized you. Log in to the motor vehicle finance online service(In Finnish)Log in to the life insurance application service(In Finnish and Swedish)
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Log in to our online service(In Finnish and Swedish). Manage insurances and investments.Log in to our investment online service(In Finnish and Swedish). Use the online service to start investing, monitor your investments, place orders and make changes.Log in to the motor vehicle finance online service(In Finnish)Log in to the life insurance application service(In Finnish and Swedish)
Create a new online service agreementTo start using the new corporate online service conclude a new online service agreement.Log in to the new serviceYou can log in here if your company has already created a new online service agreement.Log in to our investment online service(In Finnish and Swedish). Track your investments and make assignments. You can also find the company contracts if the company has authorized you. Log in to the motor vehicle finance online service(In Finnish)Log in to the life insurance application service(In Finnish and Swedish)
Personal customersBusiness customersFarm customersInformation about LocalTapiola
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Personnel funds
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Personnel funds encourage to save up.
Funding reduces the tax load on bonuses.
Funded bonuses are exempt from indirect employee costs.
Fund members get to enjoy large-investor benefits.
How do personnel funds work?The key benefits you derive from a personnel fund can be anticipated because they are based on legislation. For the beneficiaries, funded bonuses represent a net benefit of some 50%, which investment income may increase further.In itself, a personnel fund is not a remuneration system – rather, it serves as a channel for the payment of bonuses. A personnel fund can be introduced as an element of your company’s existing remuneration systems, or they can be determined as part of the fund establishment process.LocalTapiola’s personnel fund specialists are among the most experienced experts in their sector, helping you plan fund-linked remuneration systems, establish the funds and manage them.As a personnel fund customer, you get access to LocalTapiola’s award-winning funds and asset management services, which accommodate the specificities of investing under personnel funds.
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Personnel funds offer major benefits to employers
  • A personnel fund enables the payment of higher bonuses without increasing the total payment costs. This will boost your personnel’s motivation to achieve targets.
  • A fund is a flexible personnel benefit, highly valued also by prospective employees during recruitment. Participation in the fund can be made wholly or partially optional for employees.
  • A personnel fund is a great way for your personnel to own a slice of their own company.
  • A personnel fund will inspire positive collaborative action, serving as a new channel for remuneration communication.
What benefits do personnel funds have for employees?
  • Funded bonuses are significantly higher than bonus items paid in cash.
  • Taking advantage of a fund will reduce and defer income taxes, while avoiding indirect employee costs.
  • Availing of this benefit can be made optional for the bonus beneficiaries.
  • You can define several risk levels for your fund investments. Everyone can select the level that suits them best.
  • Employees can withdraw capital from the fund annually, or they can choose to continue saving throughout their career.
Customer experiences“We at the Northern Karelia Cooperative Society (PKO) wanted to find a way to improve the financial incentives provided to our personnel, and to make our remuneration structure more cost-efficient. A personnel fund proved to be the best model to address this need. The personnel fund benefits everyone, and it has been warmly welcomed at PKO. Managing and running the fund is made so easy for us, the PKO companies and fund members, that it involves no significant administrative burden, yet because the benefits are funded the resulting cost savings have increased our remuneration impact.

For us, the following three are the most important criteria for selecting our fund management partner:
  • reliable and Finnish
  • service quality and level
  • and naturally the estimated future benefits and returns.
Under these criteria, we selected LocalTapiola as our cooperation partner.”

Mika-Jussi Mononen
Human resource manager
Northern Karelia Cooperative Society (PKO)
Contact detailsContact us today to discuss how we can help your company develop your overall remuneration package, and how to put your remuneration efforts to the best possible use.
  • Lasse Mäkinen
    LocalTapiola Remuneration Services
    Managing Director
    +358 50 336 0204
    lasse.makinen@lahitapiola.fi
  • Jaakko Hänninen
    LocalTapiola Remuneration Services
    Director
    +358 40 740 4041
    jaakko.hanninen@lahitapiola.fi
Service providersThe remuneration services and development projects are provided by, and the party responsible for establishing and managing the personnel funds is, LocalTapiola Remuneration Services Ltd. The LocalTapiola funds are managed by Seligson & Co Fund Management Company Plc and LocalTapiola Alternative Investment Funds Ltd. LocalTapiola Asset Management is the asset manager and the transmitter of orders. Pension insurance is provided by LocalTapiola Mutual Life Insurance Company.
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