{"id":204,"date":"2009-07-09T21:57:02","date_gmt":"2009-07-09T20:57:02","guid":{"rendered":"http:\/\/www.inkomsten.se\/?p=204"},"modified":"2009-07-09T21:57:02","modified_gmt":"2009-07-09T20:57:02","slug":"min-pension-och-din-pension","status":"publish","type":"post","link":"https:\/\/sitetips.nu\/ekonomitips\/min-pension-och-din-pension\/","title":{"rendered":"Min pension och din pension"},"content":{"rendered":"

Pension fr\u00e5n staten.<\/strong><\/p>\n

Summan som s\u00e4tts av\u00a0 till det statliga pensionssystemet motsvarar 18,5 procent av l\u00f6nen. Den st\u00f6rsta delen av avgiften, 16 procent, g\u00e5r till inkomstpensionen och 2,5 procent till premiepensionen som var och en f\u00e5r placera sj\u00e4lv i PPM-fonder. Man tj\u00e4nar in statlig pension p\u00e5 alla skattepliktiga inkomster upp till en inkomst p\u00e5 29.100 kronor i m\u00e5naden. H\u00f6gre inkomster ger ingen statlig pension.<\/p>\n

Inkomstpension<\/p>\n

Inkomstpensionen ers\u00e4tter folkpensionen och ATP-pensionen i det gamla pensionssystemet. Och de som \u00e4r f\u00f6dda 1954 eller senare omfattas helt av det nya pensionssystemet med inkomstpension. Men de som \u00e4r f\u00f6dda 1953 eller tidigare f\u00e5r b\u00e5de inkomstpension fr\u00e5n det nya systemet och n\u00e5got som kallas till\u00e4ggspension fr\u00e5n det gamla systemet. Till\u00e4ggspension \u00e4r ett nytt namn f\u00f6r det som tidigare hette folkpension och ATP. Hur mycket inkomstpension och till\u00e4ggspension var och en tj\u00e4nat in framg\u00e5r av uppgifterna i det orange kuvertet som F\u00f6rs\u00e4kringskassan skickar ut varje \u00e5r. D\u00e4r finns ocks\u00e5 en prognos f\u00f6r hur stor inkomstpensionen tillsammans med eventuell till\u00e4ggspension blir n\u00e4r man g\u00e5r i pension.<\/p>\n

Premiepension.<\/p>\n

Den som vill kan sj\u00e4lv placera premiepensionen i fonder genom Premiepensionsmyndigheten PPM. F\u00f6r den som inte v\u00e4ljer n\u00e5gon fond placeras pengarna i statliga Sjunde AP-fondens premiesparfond. Uppgifter om hur mycket PPM-fonderna \u00e4r v\u00e4rda och en prognos f\u00f6r hur mycket de kan ge i pension i framtiden redovisas ocks\u00e5 i det orange kuvertet fr\u00e5n F\u00f6rs\u00e4kringskassan.<\/p>\n

Garantipension<\/p>\n

Den som sj\u00e4lv inte har arbetat ihop en tillr\u00e4cklig pension garanteras en utfyllnad med garantipension. Utfyllnaden finansieras via statsbudgeten. Garantipensionen kan tidigast betalas ut fr\u00e5n 65 \u00e5rs \u00e5lder. F\u00f6r att f\u00e5 r\u00e4tt till garantipension m\u00e5ste du ha bott minst tre \u00e5r i Sverige. F\u00f6r att f\u00e5 full garantipension kr\u00e4vs att du har bott minst 40 \u00e5r i Sverige fr\u00e5n och med det \u00e5r du fyllde 16 \u00e5r till och med det \u00e5r du fyller 64 \u00e5r. Har du bott i Sverige kortare tid minskar storleken p\u00e5 garantipensionen motsvarande det antal bos\u00e4ttnings\u00e5r du har. Har du till exempel bott 20 \u00e5r i Sverige har du r\u00e4tt till halv garantipension.<\/p>\n


\n<\/strong><\/p>\n

\"pension\"
pension<\/figcaption><\/figure>\n

Pension fr\u00e5n arbetsgivare.<\/strong><\/p>\n

Avtalspension<\/p>\n

Facken och arbetsgivarna har i m\u00e5nga fall kommit \u00f6verens om avtalspension, \u00e4ven kallad tj\u00e4nstepension. Alla anst\u00e4llda p\u00e5 arbetsplatser med kollektivavtal, 90 procent av l\u00f6ntagarna, tj\u00e4nar in avtalspension. Arbetsgivaren betalar in premien till avtalspensionen och grundregeln \u00e4r att den ger ungef\u00e4r 10 procent av l\u00f6nen. Det finns fyra olika system f\u00f6r avtalspensionerna.<\/p>\n

KPL_KL (PFA) f\u00f6r anst\u00e4llda i kommuner och landsting.<\/p>\n

PA-03 f\u00f6r statligt anst\u00e4llda.<\/p>\n

ITP f\u00f6r privatanst\u00e4llda tj\u00e4nstem\u00e4n med kollektivavtal.<\/p>\n

SAF-LO-avtalspension f\u00f6r privatanst\u00e4llda arbetare.<\/p>\n

Alla f\u00e5r placera hela eller delar av sin avtalspension sj\u00e4lva i traditionellt pensionssparande eller i fonder. Alla f\u00e5r ocks\u00e5 ett brev fr\u00e5n pensionsbolagen varje \u00e5r d\u00e4r det st\u00e5r hur mycket avtalspensionen \u00e4r v\u00e4rd och en prognos f\u00f6r hur stor pensionen blir i framtiden.<\/p>\n

Privat pensionssparande.<\/strong><\/p>\n

Den som vill avst\u00e5 en del av sin l\u00f6n i dag f\u00f6r att f\u00e5 mer pengar som pension\u00e4r kan pensionsspara privat. Alla kan f\u00e5 g\u00f6ra avdrag f\u00f6r pensionssparande p\u00e5 upp till 12000kr per \u00e5r. Det privata pensionssparandet l\u00e4ggs ovanp\u00e5 den statliga pensionen och avtalspensionen. De andra pensionerna minskas aldrig p\u00e5 grund av att man tar ut en privat pension. Bolagen skickar ut uppgifter om hur mycket sparandet \u00e4r v\u00e4rt varje \u00e5r.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pension fr\u00e5n staten. Summan som s\u00e4tts av\u00a0 till det statliga pensionssystemet motsvarar 18,5 procent av l\u00f6nen. Den st\u00f6rsta delen av avgiften, 16 procent, g\u00e5r till inkomstpensionen och 2,5 procent till premiepensionen som var och en f\u00e5r placera sj\u00e4lv i PPM-fonder. Man tj\u00e4nar in statlig pension p\u00e5 alla skattepliktiga inkomster upp till en inkomst p\u00e5 29.100 … Forts\u00e4tt l\u00e4sa Min pension och din pension<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[23],"tags":[86],"class_list":["post-204","post","type-post","status-publish","format-standard","hentry","category-samhallsekonomi","tag-pension"],"yoast_head":"\nMin pension och din pension - ekonomitips<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sitetips.nu\/ekonomitips\/min-pension-och-din-pension\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Min pension och din pension - ekonomitips\" \/>\n<meta property=\"og:description\" content=\"Pension fr\u00e5n staten. 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