Non-state pension funds are not about quick decisions or attempts to “time the market.” They are about a systematic approach to personal finance, where results are built gradually and discipline, predictability, and trust in the chosen strategy play a key role.
The year 2025 once again confirmed that in pension savings, what matters is not only how a fund performs at a specific moment, but how consistently it delivers results over the long term.
OTP PENSION: STABILITY WITH A PROVEN TRACK RECORD
By the end of 2025, the return of the OTP Pension non-state pension fund amounted to 14.1%.
This figure does not stand out as an exception but rather logically continues the fund’s long-term performance trend.
The average annual return since inception stands at 14.5%, which represents the fund’s core value: the ability to maintain a comparable level of performance over many years, navigating different economic cycles, periods of turbulence, and changing market conditions.
For pension savings, such consistency is crucial. It allows participants to build financial plans without the need to react to every short-term market fluctuation.
Growing Trust as a Result of a Systematic Approach
In 2025, the net asset value of the OTP Pension fund exceeded UAH 800 million.
Behind this figure are tens of thousands of participants who have chosen regular contributions and a long-term approach to building their pension capital.
Asset growth enables the fund to operate with greater flexibility and diversification, combining reliable instruments with controlled returns. For participants, this translates into additional resilience and transparency in asset management.
OTP Pension remains the largest open non-state pension fund in Ukraine by the number of individual contributors, reflecting sustained client trust.
FREEFLIGHT: THE CURRENCY COMPONENT OF A PENSION STRATEGY
The FreeFlight non-state pension fund serves as a currency hedge within pension savings. Its role is to mitigate the impact of devaluation risks and preserve the purchasing power of accumulated capital in foreign currency.
In 2025, the FreeFlight fund delivered a return of 3.2% in US dollars.
The year was atypical for currency-based strategies: the hryvnia remained relatively stable, while the foreign exchange market operated under martial law and regulatory constraints.
Under these conditions, the fund focused not on maximizing short-term returns, but on preserving the currency nature of its assets and maintaining their purchasing power over the long term. This is precisely the role FreeFlight plays within a pension portfolio—as a tool for strategic diversification.
PENSION SAVINGS AS PART OF EVERYDAY FINANCIAL LIFE
Modern pension funds are increasingly perceived not as a one-time decision, but as an ongoing financial process. For many clients, pension savings mean the ability to independently determine a comfortable contribution level, adjust contribution frequency, and gradually build capital without placing excessive pressure on their budget.
Regular and automated contributions play an important role in this process, helping maintain financial discipline without the need for constant manual control.
Security and tax advantages make non-state pension funds a reliable savings instrument for both individuals and legal entities. Participants’ assets are segregated from the fund’s own assets and are overseen by the state regulator, which protects them from bankruptcy risks.
On this solid foundation, clients can also benefit from additional advantages: individuals may reclaim 18% through an annual tax deduction, while companies use pension funds to build social benefit packages, motivate employees, and optimize taxation—contributions are exempt from social security contributions, personal income tax, and the military levy within the limits established by law.
2025 SUMMARY
The results of 2025 once again confirm that in pension investing, those who choose strategy, discipline, and consistency ultimately win.
OTP Pension remains the choice for those who value stability in hryvnia and predictable returns, while FreeFlight is designed for those who complement their pension strategy with a foreign currency component.
Together, these funds form a balanced approach to pension savings—without chasing quick gains, but with a clear focus on the future.
