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  1. LSR - The Pension Fund for State Employees in Iceland

    Pensions At LSR you get extensive pension rights for you and your family. More about LSR pensions

  2. Overview - LSR

    LSR offers indexed mortgages with a fixed interest rate for the whole loan period. You do not have to pay a prepayment fee, neither when you pay a part of your loan off early nor when it is paid off in full.

  3. Contact us - LSR

    For pension matters: [email protected] For contributions and private pension savings: [email protected] For loan matters: [email protected] Submitted invoices and related issues: [email protected] General inquiries: …

  4. News and announcements - LSR

    Dec 12, 2025 · LSR has redesigned two types of applications on My Pages: the application for the payment of Private Pension savings and the application for a spouse’s pension.

  5. Loan calculator - LSR

    Due to a Supreme Court ruling in case no. 55/2024, LSR will for the time being only process applications for indexed loans with fixed interest rates for the entire loan term.

  6. Overview - LSR

    LSR is both the oldest pension fund in Iceland and the largest in terms of assets. The fund has guaranteed its members and their families extensive rights for over 100 years.

  7. LSR Investment Policies 2026

    Dec 19, 2025 · The Board of LSR has approved the fund’s investment policies for Division A, Division B and the Private Pension divisions. The policies apply for the year 2026.

  8. Investments - Overview - LSR

    LSR is a long-term investor with the aim of guaranteeing fund members a good long-term return. At the same time, efforts are made to limit risk as much as possible with a varied and well-diversified portfolio.

  9. Employers - LSR

    LSR is divided into Divisions A and B, as well as private pension. Division B was closed in 1996, and therefore most active fund members pay into Division A, which accepts new fund members if they …

  10. LSR - Sustainability information - LSR

    LSR’s sustainability policy outlines the fund’s main priorities regarding sustainability and how these priorities are integrated into its operations. The policy applies to both internal operations and the …