Georgia’s Pension Fund has surpassed GEL 9 billion in assets as of April, reaching more than GEL 9.2 billion, according to the latest data. The system currently covers 1,546,846 participants, with an average individual savings balance of GEL 5,912.
The fund’s assets are distributed across three portfolios. The conservative portfolio dominates with GEL 9.03 billion (98.7% of total assets), while the balanced and dynamic portfolios hold GEL 52.4 million and GEL 61 million respectively. All participants are automatically enrolled in the conservative portfolio, while switching to other portfolios is available through a personal choice.
In the conservative portfolio, assets are mainly invested in Georgian bank deposit certificates and treasury securities, with 19.5% allocated to foreign currency assets, primarily global stock indices. The balanced portfolio has a 62% share in lari-denominated assets, while the dynamic portfolio has a 44.6% share in lari assets and a higher exposure to foreign markets.
Returns for January–April 2026 show the dynamic portfolio performing best with 6.35%, followed by the balanced portfolio at 5.35% and the conservative portfolio at 4.57%.
Under the pension system, employees, employers, and the state each contribute 2% of salary, totaling 6%, which is invested by the fund to generate additional returns for participants.
