Latvia, Poland and Estonia have adopted fundamental reforms of their public 1st pillar pensions as well as introduced a 2nd pillar of mandatory, fully funded schemes managed by competing private pensions institutes.
Lätis, Poolas ja Eestis reformiti põhjalikult riiklik pension ehk pensioni I sammas,samuti võeti tarvitusele pensioni II sammas ehk kohustuslik kogumispension, midahaldavad konkureerivad pensionifondid.