{"id":121,"date":"2021-09-01T10:07:18","date_gmt":"2021-09-01T08:07:18","guid":{"rendered":"http:\/\/ekonomibolaget.se\/wprs\/en\/?page_id=121"},"modified":"2021-09-01T10:45:39","modified_gmt":"2021-09-01T08:45:39","slug":"pension","status":"publish","type":"page","link":"https:\/\/ekonomibolaget.se\/wprs\/en\/start-page\/pension\/","title":{"rendered":"Pension"},"content":{"rendered":"\n<p>This is a short introduction to the workings of pension savings through a company owned pension insurance (pensionsf\u00f6rs\u00e4kring).<\/p>\n\n\n\n<p>In essence, a company owned pension insurance for an individual<\/p>\n\n\n\n<ul><li>Lets you put away funds from the company to a slightly lower national insurance tax than if it was taxed as payroll.  Currently 24,26% instead of 31,42% <\/li><li>Locks the funds from withdrawal until you&#8217;re of a certain age.<\/li><li>The income tax is not done until the funds are withdrawn.<\/li><li>Generally includes insurances that will cover<ul><li>Added sick pay if you are sick for more than 3 months.<\/li><li>Continued payments to your pension savings if you are sick for more than 3 months.<\/li><li>Help with rehabilitation after sickness.<\/li><li>If you die and you still have funds left, they will be inherited by your heirs.<\/li><\/ul><\/li><\/ul>\n\n\n\n<p>The obvious pros are the insurances and lower and postponed taxation. The obvious con is that your funds are locked.<\/p>\n\n\n\n<p>If it&#8217;s only lower taxation you&#8217;re after, you might just as well allocate the funds to dividends instead. The same amount you would put away as pension funds would then be taxed with corporate tax (20,6%) instead of national insurance tax (24,26%) and dividend tax (20%) instead of income tax (approx 25-35%).<\/p>\n\n\n\n<p><strong><em>We do advise that you always have some basic level of savings for pension to have the insurances that are included, to cover for sickness.<\/em><\/strong><\/p>\n\n\n\n<h2>Financial institutions and pension funds<\/h2>\n\n\n\n<p>If there&#8217;s anything that will make a banker pay attention to you, it&#8217;s mentioning that you want to save for your pension.<\/p>\n\n\n\n<p>The reasons for this are many, but in essence it&#8217;s about big and easy money. Everyone wants to manage your pension funds and it&#8217;s basically impossible to not earn money on managing someone&#8217;s pension with the most prevalent business model for pension funds.<\/p>\n\n\n\n<p>Our advice is that you manage your own pension fund and use an actor that will allow you to do that. We recommend<\/p>\n\n\n\n<p><a href=\"https:\/\/www.avanza.se\/start\" target=\"_blank\" rel=\"noreferrer noopener\">Avanza<\/a><br><a href=\"https:\/\/www.nordnet.se\/se\" target=\"_blank\" rel=\"noreferrer noopener\">Nordnet<\/a><\/p>\n\n\n\n<p>We discourage using any other Swedish actor in the industry than the above due to the other&#8217;s business model.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This is a short introduction to the workings of pension savings through a company owned pension insurance (pensionsf\u00f6rs\u00e4kring). In essence, a company owned pension insurance for an individual Lets you put away funds from the company to a slightly lower national insurance tax than if it was taxed as payroll. Currently 24,26% instead of 31,42% &hellip; <a href=\"https:\/\/ekonomibolaget.se\/wprs\/en\/start-page\/pension\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Pension&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":15,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/pages\/121"}],"collection":[{"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/comments?post=121"}],"version-history":[{"count":7,"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/pages\/121\/revisions"}],"predecessor-version":[{"id":131,"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/pages\/121\/revisions\/131"}],"up":[{"embeddable":true,"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/pages\/15"}],"wp:attachment":[{"href":"https:\/\/ekonomibolaget.se\/wprs\/en\/wp-json\/wp\/v2\/media?parent=121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}