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		<lastmod>2025-12-31T08:23:47+00:00</lastmod>
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		<lastmod>2022-04-05T10:00:48+00:00</lastmod>
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		<lastmod>2025-01-24T14:00:29+00:00</lastmod>
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		<lastmod>2025-01-24T14:03:02+00:00</lastmod>
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		<lastmod>2026-03-31T12:09:41+00:00</lastmod>
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		<lastmod>2026-03-10T06:35:20+00:00</lastmod>
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		<lastmod>2026-01-20T07:00:04+00:00</lastmod>
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		<lastmod>2025-08-15T10:46:43+00:00</lastmod>
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		<lastmod>2025-05-13T06:00:04+00:00</lastmod>
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		<loc>https://www.etk.fi/en/blogs/who-is-considered-an-employee-and-who-is-self-employed/</loc>
		<lastmod>2025-05-08T04:51:32+00:00</lastmod>
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		<lastmod>2025-03-21T09:55:36+00:00</lastmod>
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		<loc>https://www.etk.fi/en/blogs/european-comparison-how-do-low-income-pensioners-manage-in-everyday-life/</loc>
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		<lastmod>2025-01-15T07:57:23+00:00</lastmod>
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		<lastmod>2025-12-11T14:42:53+00:00</lastmod>
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		<lastmod>2022-09-06T08:08:15+00:00</lastmod>
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		<lastmod>2022-09-13T13:59:11+00:00</lastmod>
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		<lastmod>2026-03-25T07:10:20+00:00</lastmod>
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		<lastmod>2022-07-06T03:00:03+00:00</lastmod>
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		<lastmod>2022-06-30T06:00:08+00:00</lastmod>
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		<lastmod>2022-06-15T06:00:03+00:00</lastmod>
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		<lastmod>2022-06-10T09:41:53+00:00</lastmod>
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		<lastmod>2025-04-03T05:34:50+00:00</lastmod>
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		<lastmod>2024-05-13T07:24:03+00:00</lastmod>
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		<lastmod>2022-05-12T12:15:43+00:00</lastmod>
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		<lastmod>2022-05-12T13:19:48+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/statistics-on-accrued-pensions-now-included-in-the-pension-calculator/</loc>
		<lastmod>2020-08-24T05:56:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/karoliina-kiuru/</loc>
		<lastmod>2022-06-14T12:52:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/pension-barometer-three-out-of-four-finns-trust-the-pension-system/</loc>
		<lastmod>2020-09-28T07:55:31+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/blogs/how-does-the-quality-of-life-of-older-finnish-citizens-compare-to-that-of-older-citizens-in-europe/</loc>
		<lastmod>2025-04-23T09:58:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/number-of-new-old-age-retirees-falls-again/</loc>
		<lastmod>2020-06-25T07:02:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/the-new-etk-fi-is-live/</loc>
		<lastmod>2020-06-18T06:05:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/popular-online-service-on-obligation-to-pay-contributions-for-work-abroad-now-in-both-english-and-swedish/</loc>
		<lastmod>2020-06-17T05:32:09+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/topical-issues/investment-operations-of-the-finnish-earnings-related-pension-sector-in-one-book/</loc>
		<lastmod>2020-06-16T14:08:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/karoliina-kiuru-new-director-at-the-finnish-centre-for-pensions/</loc>
		<lastmod>2020-06-16T13:10:00+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/topical-issues/labour-market-position-of-55-64-year-olds-has-changed-in-europe/</loc>
		<lastmod>2024-09-09T11:23:05+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/topical-issues/pro-gradu-award-to-jussi-karhunen/</loc>
		<lastmod>2020-06-09T08:54:39+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/topical-issues/underinsurance-still-common-among-the-self-employed/</loc>
		<lastmod>2020-06-09T09:08:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/blogs/low-skilled-older-workers-and-early-exit-from-the-labour-market-its-not-just-who-you-are-and-where-you-work-but-also-whom-you-work-with/</loc>
		<lastmod>2025-05-13T06:57:06+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/topical-issues/pocket-statistics-small-booklet-of-fresh-earnings-related-facts/</loc>
		<lastmod>2020-06-09T09:11:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/workers-allowed-to-travel-between-finland-and-estonia-again-do-you-have-an-a1-certificate/</loc>
		<lastmod>2020-06-09T08:37:09+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/topical-issues/more-than-half-of-the-self-employed-feel-that-they-have-insured-themselves-adequately/</loc>
		<lastmod>2020-06-09T09:14:20+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/contactinformation/max-ronnberg/</loc>
		<lastmod>2022-09-07T12:11:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/outi-lehmus/</loc>
		<lastmod>2022-06-16T15:02:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/lotta-rantala/</loc>
		<lastmod>2025-08-29T11:54:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/lena-koski/</loc>
		<lastmod>2026-01-27T17:12:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/pia-hansson/</loc>
		<lastmod>2022-06-20T07:05:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/katri-saarteinen/</loc>
		<lastmod>2025-08-29T12:02:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/johanna-louhimies/</loc>
		<lastmod>2025-10-08T10:20:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/peter-lindstrom/</loc>
		<lastmod>2023-05-09T08:24:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/kari-lindstedt/</loc>
		<lastmod>2022-06-20T06:58:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/riikka-lehtela/</loc>
		<lastmod>2024-05-17T12:10:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/sari-keski-heikkila/</loc>
		<lastmod>2022-06-20T06:50:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/antti-karkiainen/</loc>
		<lastmod>2024-05-17T12:12:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/anne-iivonen/</loc>
		<lastmod>2023-05-09T08:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/matti-lumijarvi/</loc>
		<lastmod>2023-05-09T08:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/international-investment-return-comparison-pension-funds-achieved-top-returns-in-2019/</loc>
		<lastmod>2020-06-09T09:15:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/sampo-lappo/</loc>
		<lastmod>2022-06-17T11:59:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/kati-ahonen/</loc>
		<lastmod>2026-01-14T13:59:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/noora-jarnefelt/</loc>
		<lastmod>2026-02-26T10:11:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/kati-kuitto/</loc>
		<lastmod>2026-01-08T10:35:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/susan-kuivalainen/</loc>
		<lastmod>2025-09-29T10:05:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/mikko-laaksonen/</loc>
		<lastmod>2025-12-31T08:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/jyri-liukko/</loc>
		<lastmod>2026-03-26T15:04:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/satu-nivalainen/</loc>
		<lastmod>2026-02-19T09:33:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/liisa-maria-palomaki/</loc>
		<lastmod>2025-09-29T09:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/juha-rantala/</loc>
		<lastmod>2026-01-14T14:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/anu-polvin/</loc>
		<lastmod>2026-03-26T15:03:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/arie-aart-jan-riekhoff/</loc>
		<lastmod>2026-01-28T09:54:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/sanna-tenhunen/</loc>
		<lastmod>2026-02-10T06:56:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/jaakko-aho/</loc>
		<lastmod>2022-06-17T11:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/jari-kannisto/</loc>
		<lastmod>2022-06-17T11:44:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/meeri-kesala/</loc>
		<lastmod>2022-06-17T11:53:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/tuula-kyyra/</loc>
		<lastmod>2022-06-17T11:54:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/sergei-lahti/</loc>
		<lastmod>2022-06-17T11:56:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/jukka-lampi/</loc>
		<lastmod>2022-06-17T11:57:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/tuija-nopola/</loc>
		<lastmod>2025-06-05T12:06:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/tiina-palotie-heino/</loc>
		<lastmod>2022-06-17T11:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/eeva-poutiainen/</loc>
		<lastmod>2022-06-17T12:05:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/suvi-ritola/</loc>
		<lastmod>2022-06-17T12:11:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/heikki-tikanmaki/</loc>
		<lastmod>2025-04-23T10:20:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/niko-vaananen/</loc>
		<lastmod>2025-06-05T12:46:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/matti-ruotanen/</loc>
		<lastmod>2022-06-16T15:05:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/ismo-risku/</loc>
		<lastmod>2022-06-16T15:23:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/antti-mielonen/</loc>
		<lastmod>2022-06-17T12:02:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/mika-vidlund/</loc>
		<lastmod>2022-06-17T12:20:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/marjukka-hietaniemi/</loc>
		<lastmod>2022-06-17T11:49:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/ilari-ilmakunnas/</loc>
		<lastmod>2026-03-25T07:08:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/appointment-sari-alanko-appointed-new-head-of-department-of-register-services-at-the-finnish-centre-for-pensions/</loc>
		<lastmod>2020-06-09T09:17:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/sari-alanko/</loc>
		<lastmod>2025-01-15T07:56:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/marjaana-lundqvist/</loc>
		<lastmod>2025-01-24T10:20:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/minna-levander/</loc>
		<lastmod>2022-06-29T06:03:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/marianne-raassina/</loc>
		<lastmod>2024-03-25T06:15:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/kristiina-zitting/</loc>
		<lastmod>2024-03-25T06:15:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/aino-peltola/</loc>
		<lastmod>2024-09-04T07:05:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/mikko-kautto/</loc>
		<lastmod>2025-10-22T05:54:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/katri-raatikainen-2/</loc>
		<lastmod>2020-04-14T10:07:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/katri-raatikainen/</loc>
		<lastmod>2024-10-23T11:40:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/tuovi-rautjoki/</loc>
		<lastmod>2022-06-14T12:44:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/katja-veirto/</loc>
		<lastmod>2026-01-12T09:51:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/timo-sipila/</loc>
		<lastmod>2022-12-20T09:10:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/sami-pakarinen/</loc>
		<lastmod>2022-12-20T09:04:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/allan-paldanius/</loc>
		<lastmod>2024-10-31T07:19:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/ilkka-oksala/</loc>
		<lastmod>2022-12-20T09:04:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/katri-ojala/</loc>
		<lastmod>2026-01-08T06:59:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/sinikka-naatsaari/</loc>
		<lastmod>2022-12-20T08:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/janne-makkula/</loc>
		<lastmod>2025-04-17T06:04:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/sini-sulonen/</loc>
		<lastmod>2026-02-19T12:23:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/keijo-karhumaa/</loc>
		<lastmod>2026-01-08T06:58:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/contactinformation/essi-rentola/</loc>
		<lastmod>2022-12-20T08:43:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/corona-crisis-and-pensions/</loc>
		<lastmod>2020-06-09T09:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/mental-disorders-the-most-common-reason-for-retirement-on-a-disability-pension/</loc>
		<lastmod>2020-06-09T09:36:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/telecommuting-because-of-the-corona-virus-which-countrys-social-security-applies/</loc>
		<lastmod>2020-06-09T09:55:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/posted-worker-have-you-been-laid-off-abroad/</loc>
		<lastmod>2020-06-09T09:52:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/already-25000-finns-drawing-a-partial-old-age-pension/</loc>
		<lastmod>2020-06-09T09:46:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/are-you-interrupting-your-posting-abroad/</loc>
		<lastmod>2020-05-19T12:46:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/average-monthly-pension-in-finland-1716-euros/</loc>
		<lastmod>2020-06-09T10:17:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/posted-worker-are-you-stuck-abroad/</loc>
		<lastmod>2020-06-09T11:46:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/pensions-paid-out-as-usual-despite-corona-epidemic/</loc>
		<lastmod>2020-06-09T11:56:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/disability-leads-to-weaker-income-in-old-age/</loc>
		<lastmod>2020-06-09T14:01:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/effective-retirement-age-risen-clearly/</loc>
		<lastmod>2020-06-09T14:06:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/balance-mechanisms-to-uphold-pension-systems-economic-balance/</loc>
		<lastmod>2020-06-09T14:11:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/updated-info-on-pension-benefits-in-2020-booklet-and-supplement/</loc>
		<lastmod>2020-06-09T14:15:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/international-comparison-finland-stands-out-with-its-low-old-age-income-inequalities/</loc>
		<lastmod>2020-06-09T14:20:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/great-britain-departed-from-the-eu-transition-period-until-end-of-2020/</loc>
		<lastmod>2020-06-09T14:29:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/birth-rate-scenarios-birth-rates-likely-to-slightly-rise-which-would-ease-the-upward-pressure-on-pension-contributions/</loc>
		<lastmod>2020-06-17T11:21:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/2019-pro-gradu-award-for-distinguished-masters-thesis-now-up-for-grabs/</loc>
		<lastmod>2020-06-09T14:40:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/finnish-centre-for-pensions-relocates-to-new-premises-in-early-2021/</loc>
		<lastmod>2020-06-09T14:42:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/research-seminar-in-february-pension-reforms-non-standard-work-and-life-course-inequalities-in-the-oecd/</loc>
		<lastmod>2020-06-09T14:47:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/calculator-for-assessing-pension-impact-of-family-leave/</loc>
		<lastmod>2020-06-09T14:54:36+00:00</lastmod>
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		<loc>https://www.etk.fi/en/blogs/overlooked-issues-of-pension-adequacy-in-the-spotlight/</loc>
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		<loc>https://www.etk.fi/en/topical-issues/majority-of-grant-recipients-and-officials-working-abroad-are-women/</loc>
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		<loc>https://www.etk.fi/en/topical-issues/pension-reform-in-2017-brings-downturn-in-number-of-new-old-age-retirees/</loc>
		<lastmod>2020-06-23T07:52:57+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/three-in-five-self-employed-intend-to-work-past-retirement-age/</loc>
		<lastmod>2020-06-23T08:08:16+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/bratislava-to-host-the-european-labour-authority/</loc>
		<lastmod>2020-06-23T08:12:32+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/pension-barometer-two-out-of-three-finns-trust-the-pension-system/</loc>
		<lastmod>2020-06-23T08:22:56+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/jaakko-kiander-and-tuovi-rautjoki-new-directors-of-the-finnish-centre-for-pensions/</loc>
		<lastmod>2020-06-23T08:27:50+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/european-network-moves-holds-seminar-in-september-in-finland/</loc>
		<lastmod>2020-05-19T12:51:13+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/topical-issues/continued-working-after-rehabilitation-improved-for-under-45-year-olds/</loc>
		<lastmod>2020-06-23T11:19:07+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/open-access-research-articles-of-finnish-centre-for-pensions/</loc>
		<lastmod>2025-12-11T14:44:07+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/indicators-of-social-security-and-growing-workforce-mobility/</loc>
		<lastmod>2020-06-23T11:30:57+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/view-the-visualised-money-flows-of-earnings-related-pensions/</loc>
		<lastmod>2020-06-23T11:28:40+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/pro-gradu-award-to-natalia-edelmann/</loc>
		<lastmod>2020-06-24T05:03:51+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/what-do-we-expect-of-social-security/</loc>
		<lastmod>2020-06-24T05:14:33+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/pocket-statistics-key-figures-in-a-nutshell/</loc>
		<lastmod>2025-02-05T10:36:04+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/pension-adequacy-in-europe-the-theme-of-our-conference-in-september/</loc>
		<lastmod>2020-06-24T05:08:26+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/research-seminar-in-june-how-pension-reforms-affect-retirement-and-retirement-intentions/</loc>
		<lastmod>2020-06-24T05:22:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/blogs/finlands-policy-makers-should-focus-on-lifting-older-mens-employment-rates/</loc>
		<lastmod>2025-05-13T06:56:40+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/number-of-underinsured-self-employed-persons-continues-to-grow/</loc>
		<lastmod>2020-06-24T05:35:01+00:00</lastmod>
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		<lastmod>2020-06-24T05:42:15+00:00</lastmod>
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		<lastmod>2020-06-24T05:59:16+00:00</lastmod>
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		<loc>https://www.etk.fi/en/blogs/should-parenthood-be-credited-in-pensions/</loc>
		<lastmod>2025-05-13T07:08:43+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/construction-firms-typical-customers-of-our-supervisory-department/</loc>
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		<loc>https://www.etk.fi/en/topical-issues/call-for-pro-family-policies-to-counteract-low-birth-rates/</loc>
		<lastmod>2020-06-24T06:27:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/depression-leads-increasingly-more-often-to-disability/</loc>
		<lastmod>2020-06-24T07:26:00+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/average-pension-1680-euros/</loc>
		<lastmod>2020-06-24T06:21:47+00:00</lastmod>
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		<loc>https://www.etk.fi/en/topical-issues/updated-pension-calculator-takes-earnings-growth-into-account/</loc>
		<lastmod>2020-06-24T06:26:53+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/changes-in-social-security-benefits-of-workers-coming-to-finland-or-going-abroad/</loc>
		<lastmod>2020-06-24T09:54:11+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/low-birth-rates-complicate-future-pension-financing/</loc>
		<lastmod>2020-06-24T10:01:02+00:00</lastmod>
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	</url>
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		<lastmod>2020-06-24T10:19:26+00:00</lastmod>
	</url>
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		<lastmod>2025-02-05T10:39:09+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/updated-booklet-how-to-apply-for-a-pension-from-abroad/</loc>
		<lastmod>2020-06-24T07:54:57+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/eu-area-growing-number-of-workers-going-abroad-to-work/</loc>
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	</url>
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		<loc>https://www.etk.fi/en/topical-issues/44276/</loc>
		<lastmod>2020-06-24T09:42:43+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/age-at-retirement-continues-to-rise/</loc>
		<lastmod>2020-06-24T09:48:25+00:00</lastmod>
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	<url>
		<loc>https://www.etk.fi/en/topical-issues/2018-pro-gradu-award-up-for-grabs/</loc>
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		<loc>https://www.etk.fi/en/topical-issues/finnish-centre-for-pensions-serves-you-online/</loc>
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	</url>
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		<loc>https://www.etk.fi/en/topical-issues/slightly-fewer-rejected-disability-pension-applications/</loc>
		<lastmod>2020-06-24T12:21:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/topical-issues/brexit-may-affect-social-security/</loc>
		<lastmod>2020-06-24T12:54:48+00:00</lastmod>
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		<loc>https://www.etk.fi/en/blogs/pension-sustainability-is-more-than-liabilities-and-assets/</loc>
		<lastmod>2020-07-16T08:06:16+00:00</lastmod>
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		<lastmod>2020-06-24T12:59:01+00:00</lastmod>
	</url>
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		<loc>https://www.etk.fi/en/topical-issues/working-for-equality/</loc>
		<lastmod>2020-06-24T13:00:47+00:00</lastmod>
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		<lastmod>2025-04-09T13:31:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/blogs/the-size-of-pension-funds-in-different-countries/</loc>
		<lastmod>2025-05-13T07:09:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/blogs/flexible-retirement-eroding-the-cliff-edge-between-work-and-retirement/</loc>
		<lastmod>2025-04-03T05:35:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/blogs/divided-europe-in-terms-of-pensioners-economic-welfare/</loc>
		<lastmod>2020-07-16T07:52:43+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2020-07-15T11:02:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/blogs/whats-the-role-of-policies-in-extending-working-lives/</loc>
		<lastmod>2020-07-16T07:43:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.etk.fi/en/blogs/could-working-lives-be-extended-by-working-less/</loc>
		<lastmod>2020-07-15T11:24:52+00:00</lastmod>
	</url>
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