Get legal help in matters concerning your pension
Pensions are an essential part of life, providing financial security after you leave the workforce. To ensure a comfortable retirement, it’s important to understand how the system works and what steps you can take to maximize it. In Sweden, pensions consist of different components that together provide income during your retirement years. The main components are:
- National public pension
Managed by the state and paid out by the Swedish Pensions Agency, the national public pension is based on your lifetime income, which includes all pensionable earnings throughout your working life. It consists of two parts: income pension and premium pension. You can influence the premium pension by selecting the funds where your money is invested. - Occupational pension
This is contributed by your employer. How much you receive depends on whether you have a collective agreement and, if so, which one, as well as the amount your employer contributes. For most employees, this is a significant part of the total sum. If you’ve had multiple employers, you may also have multiple occupational pensions. - Private savings
This is the amount you save yourself in addition to the national and occupational parts. There are various savings options, such as ISK (investment savings accounts), endowment insurance, or other forms of savings. Private savings can sometimes be crucial for achieving a higher monthly income and living the retirement life you desire.
How to influence your pension
- Length of working life
Working longer increases the total amount. Even a few additional years can make a significant difference. - Salary development
Higher earnings during your career lead to larger contributions. It’s also important to ensure your employer contributes to the total sum. - Make the right choices
You can influence your premium pension by choosing the funds where your money is invested. Reviewing and making informed decisions about your private savings is also key to maximizing the total amount - Withdrawal planning
Strategically planning when and how to withdraw the money can help maximize it. Consulting an advisor can help you develop the best strategy for your withdrawals.
What we help with regarding the legal matters
Legal advice
We provide guidance on the legal aspects, including the rules and regulations affecting your national, occupational, and private pensions.
Planning
We help you plan withdrawals in accordance with existing laws to make informed choices and avoid costly mistakes.
Reviewing agreements
We examine your agreements to make sure your rights are protected and that the contracts are properly structured in compliance with the law.
Get legal help today
Do you need legal help? You can always get in contact with our lawyers within just 24 hours when you need quick answers to your questions. Or you can email or call us whenever you need to hire a lawyer for legal assistance.
FAQ about pensions
What is the national public pension?
This is the state-managed portion, calculated based on your lifetime earnings.
What is an occupational pension?
This is the part funded by your employer under your collective agreement.
How can I increase my pension?
You can increase it by working longer and ensuring higher earnings during your career, as this leads to larger contributions. Additionally, make informed choices about your investments and plan your withdrawals strategically to maximize the amount.
