{"id":7762,"date":"2024-05-15T08:22:07","date_gmt":"2024-05-15T06:22:07","guid":{"rendered":"https:\/\/kliently.se\/?post_type=services&p=7762"},"modified":"2024-12-26T15:11:33","modified_gmt":"2024-12-26T14:11:33","slug":"pension","status":"publish","type":"services","link":"https:\/\/kliently.se\/en\/services\/pension\/","title":{"rendered":"Pension"},"content":{"rendered":"\n
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Get legal help in matters concerning your pension<\/h1>\n\n<\/div>\n\t\t<\/div><\/div>\n\n\n\n

Pensions are an essential part of life, providing financial security after you leave the workforce. To ensure a comfortable retirement, it\u2019s 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:<\/p>\n\n\n\n

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  1. National public pension<\/strong>
    Managed by the state and paid out by the Swedish Pensions Agency<\/a>, the national public pension is based on your lifetime income, which includes all pensionable earnings<\/a> throughout your working life. It consists of two parts:\u00a0income pension<\/strong>\u00a0and\u00a0premium pension<\/strong>. You can influence the premium pension by selecting the funds where your money is invested.<\/li>\n\n\n\n
  2. Occupational pension<\/strong>
    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\u2019ve had multiple employers, you may also have multiple occupational pensions.<\/li>\n\n\n\n
  3. Private savings<\/strong>
    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.<\/li>\n<\/ol>\n\n\n\n

    How to influence your pension<\/h2>\n\n\n\n
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    1. Length of working life<\/strong>
      Working longer increases the total amount. Even a few additional years can make a significant difference.<\/li>\n\n\n\n
    2. Salary development<\/strong>
      Higher earnings during your career lead to larger contributions. It\u2019s also important to ensure your employer contributes to the total sum.<\/li>\n\n\n\n
    3. Make the right choices<\/strong>
      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<\/li>\n\n\n\n
    4. Withdrawal planning<\/strong>
      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.<\/li>\n<\/ol>\n\n\n\n