The nominal net return of the fund’s mutual insurance division in 2021 was 17.8%, and the real return was 12.4%. Listed shares, both domestic and foreign, produced good returns during the year. Domestic bonds also produced good returns.

The five-year average real return of Gildi Pension Fund’s mutual insurance division amounts to 8.4%. The average real return over the past ten years is 7.1%. There, good returns in the years 2012 to 2015 as well as in the years 2019 to 2021 have a considerable effect.