{"id":181,"date":"2025-05-06T17:00:23","date_gmt":"2025-05-06T14:00:23","guid":{"rendered":"https:\/\/evl.fi\/kirkonelakerahasto\/?page_id=181"},"modified":"2026-05-05T14:00:46","modified_gmt":"2026-05-05T11:00:46","slug":"ker-info","status":"publish","type":"page","link":"https:\/\/evl.fi\/kirkonelakerahasto\/ker-info\/","title":{"rendered":"Tietoja el\u00e4kerahastosta"},"content":{"rendered":"\n  <div id=\"hero-page-block_434668f57aa35d2640a39a6b948e88bf\" class=\"hero-page block-hero-page alignfull bg-beige\">\n    <div class=\"block-hero-page__wrapper container\">\n      <div class=\"row\">\n        <div class=\"col-12 col-md-6 texst-column\">\n          \n<nav class='rnb-breadcrumbs' aria-label='breadcrumbs'><ol class='rnb-breadcrumbs__list'> <li class='rnb-breadcrumbs__item rnb-breadcrumbs__item--home'><a href='https:\/\/evl.fi\/kirkonelakerahasto'>Etusivu<\/a><\/li>  <\/ol><\/nav>          <div class=\"texts-content\">\n\n                          <h1 class=\"title text-green-accessible\">Suomen evankelis-luterilaisen kirkon el\u00e4kelaitos<\/h1>\n                                      <p class=\"text text-body-large\">El\u00e4kerahasto vastaa kirkon henkil\u00f6st\u00f6n el\u00e4kkeiden rahoituksesta ja el\u00e4kevarojen sijoittamisesta. El\u00e4kkeet rahoitetaan ty\u00f6nantajilta ja ty\u00f6ntekij\u00f6ilt\u00e4 peritt\u00e4vill\u00e4 maksuilla.<\/p>\n                                  <\/div>\n        <\/div>\n\n        <div class=\"col-12 col-md-6 images-column\">\n          <div class=\"img-gallery-wrapper\">\n                          <div class=\"big-image-wrapper\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"465\" src=\"https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/GettyImages-1552543044-1024x465.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/GettyImages-1552543044-1024x465.jpg 1024w, https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/GettyImages-1552543044-300x136.jpg 300w, https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/GettyImages-1552543044-768x349.jpg 768w, https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/GettyImages-1552543044-1536x698.jpg 1536w, https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/GettyImages-1552543044-2048x931.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" style=\"object-position:72% 42%\" \/>              <\/div>\n                                  <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Kirkon el\u00e4kerahaston historia alkoi vuonna 1991. Toiminnan alussa varat, joita ei k\u00e4ytetty el\u00e4kkeiden maksamiseen, rahastoitiin el\u00e4kerahastoon tulevien el\u00e4kevastuiden kattamiseksi. El\u00e4kerahasto on viime vuosien aikana siirtynyt t\u00e4st\u00e4 karttumisvaiheesta siirtym\u00e4vaiheeseen, jossa el\u00e4kemenojen m\u00e4\u00e4r\u00e4 ylitt\u00e4\u00e4 pysyv\u00e4sti el\u00e4kemaksutulojen m\u00e4\u00e4r\u00e4n. T\u00e4m\u00e4 tarkoittaa sit\u00e4, ett\u00e4 rahaston sijoitustuottoja k\u00e4ytet\u00e4\u00e4n my\u00f6s el\u00e4kkeiden maksamiseen.<\/p>\n\n\n\n<p>El\u00e4kerahastoa ei ole kiinnitetty yksil\u00f6kohtaisiin el\u00e4kevastuisiin, vaan se toimii niin kutsuttuna puskurirahastona eli rahastolle ei synny yksil\u00f6llisesti katettavia el\u00e4kevastuita kuten TyEL-el\u00e4kej\u00e4rjestelm\u00e4ss\u00e4. El\u00e4kerahastolla ei my\u00f6sk\u00e4\u00e4n ole vakavaraisuutta koskevia m\u00e4\u00e4r\u00e4yksi\u00e4.<\/p>\n\n\n\n<p><\/p>\n\n\n<div id=\"content-lifts-block_397c14127860c46c0a96f049014928c2\" class=\"content-lifts block-content-lifts\">\n    <div class=\"row\">\n    <div class=\"col-12\">\n      <div class=\"block-header\">\n        <h2 class=\"\">Lue lis\u00e4\u00e4 el\u00e4kerahastosta<\/h2>\n              <\/div>\n    <\/div>\n  <\/div>\n  <div class=\"block-content-lifts__wrapper\">\n    <div class=\"row \">\n      <!-- lifts section -->\n                    <div class=\"col-12 col-md-4\">\n                <div class=\"small-link-collection__lift-column-content d-flex \">\n                  \n<a class=\"lift-item-page\" href=\"https:\/\/evl.fi\/kirkonelakerahasto\/ker-info\/organisaatio\/\" aria-label=\"Linkki sivulle Organisaatio\">\n  <div class=\"image-wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"816\" height=\"640\" src=\"https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/testetelaranta-816x640.jpg\" class=\"attachment-single-article size-single-article wp-post-image\" alt=\"\" style=\"object-position:47% 37%\" \/><\/div>  <h3 class=\"lift-item-page-title h5\">Organisaatio<\/h3>\n        <span class=\"arrow-link\">Tutustu el\u00e4kerahaston organisaatioon ja ihmisiin<\/span>\n  <\/a>\n                <\/div>\n              <\/div>\n                                <div class=\"col-12 col-md-4\">\n                <div class=\"small-link-collection__lift-column-content d-flex \">\n                  \n<a class=\"lift-item-page\" href=\"https:\/\/evl.fi\/kirkonelakerahasto\/ker-info\/ohjaus-ja-valvonta\/\" aria-label=\"Linkki sivulle Ohjaus ja valvonta\">\n  <div class=\"image-wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"816\" height=\"640\" src=\"https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/GettyImages-1285132805-816x640.jpg\" class=\"attachment-single-article size-single-article wp-post-image\" alt=\"\" \/><\/div>  <h3 class=\"lift-item-page-title h5\">Ohjaus ja valvonta<\/h3>\n        <span class=\"arrow-link\">El\u00e4kerahaston toimintaa valvoo Finanssivalvonta<\/span>\n  <\/a>\n                <\/div>\n              <\/div>\n                                <div class=\"col-12 col-md-4\">\n                <div class=\"small-link-collection__lift-column-content d-flex \">\n                  \n<a class=\"lift-item-page\" href=\"https:\/\/evl.fi\/kirkonelakerahasto\/ker-info\/historia\/\" aria-label=\"Linkki sivulle Historia\">\n  <div class=\"image-wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"816\" height=\"640\" src=\"https:\/\/evl.fi\/kirkonelakerahasto\/wp-content\/uploads\/sites\/10\/2025\/09\/GettyImages-1411428240-2-816x640.jpg\" class=\"attachment-single-article size-single-article wp-post-image\" alt=\"\" \/><\/div>  <h3 class=\"lift-item-page-title h5\">Historia<\/h3>\n        <span class=\"arrow-link\">Kirkon el\u00e4kerahaston historia ulottuu vuoteen 1991<\/span>\n  <\/a>\n                <\/div>\n              <\/div>\n                        \n      <!-- color banner section -->\n      \n      <!-- link collection -->\n      \n      <!-- church year lift -->\n          <\/div>\n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kirkon el\u00e4kerahaston historia alkoi vuonna 1991. Toiminnan alussa varat, joita ei k\u00e4ytetty el\u00e4kkeiden maksamiseen, rahastoitiin el\u00e4kerahastoon tulevien el\u00e4kevastuiden kattamiseksi. El\u00e4kerahasto on viime vuosien aikana siirtynyt t\u00e4st\u00e4 karttumisvaiheesta siirtym\u00e4vaiheeseen, jossa el\u00e4kemenojen m\u00e4\u00e4r\u00e4 ylitt\u00e4\u00e4 pysyv\u00e4sti el\u00e4kemaksutulojen m\u00e4\u00e4r\u00e4n. T\u00e4m\u00e4 tarkoittaa sit\u00e4, ett\u00e4 rahaston sijoitustuottoja k\u00e4ytet\u00e4\u00e4n my\u00f6s el\u00e4kkeiden maksamiseen. El\u00e4kerahastoa ei ole kiinnitetty yksil\u00f6kohtaisiin el\u00e4kevastuisiin, vaan se toimii niin [&hellip;]<\/p>\n","protected":false},"author":90,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"class_list":["post-181","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tietoja el\u00e4kerahastosta - Kirkon el\u00e4kerahasto<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/evl.fi\/kirkonelakerahasto\/ker-info\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tietoja el\u00e4kerahastosta - Kirkon el\u00e4kerahasto\" \/>\n<meta property=\"og:description\" content=\"Kirkon el\u00e4kerahaston historia alkoi vuonna 1991. Toiminnan alussa varat, joita ei k\u00e4ytetty el\u00e4kkeiden maksamiseen, rahastoitiin el\u00e4kerahastoon tulevien el\u00e4kevastuiden kattamiseksi. El\u00e4kerahasto on viime vuosien aikana siirtynyt t\u00e4st\u00e4 karttumisvaiheesta siirtym\u00e4vaiheeseen, jossa el\u00e4kemenojen m\u00e4\u00e4r\u00e4 ylitt\u00e4\u00e4 pysyv\u00e4sti el\u00e4kemaksutulojen m\u00e4\u00e4r\u00e4n. T\u00e4m\u00e4 tarkoittaa sit\u00e4, ett\u00e4 rahaston sijoitustuottoja k\u00e4ytet\u00e4\u00e4n my\u00f6s el\u00e4kkeiden maksamiseen. 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