{"id":143625,"date":"2026-01-22T10:16:08","date_gmt":"2026-01-22T10:16:08","guid":{"rendered":"https:\/\/www.europesays.com\/se\/143625\/"},"modified":"2026-01-22T10:16:08","modified_gmt":"2026-01-22T10:16:08","slug":"varning-till-pensionsspararna-du-kan-forlora-hundratusentals-kronor","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/143625\/","title":{"rendered":"Varning till pensionsspararna: Du kan f\u00f6rlora hundratusentals kronor"},"content":{"rendered":"<p>Kvinnor s\u00e4rskilt utsatta<\/p>\n<p>Enligt \u00c5hrman f\u00e5r inte minst kvinnor ofta l\u00e4gre pension, bland annat p\u00e5 grund av deltidsarbete och perioder utanf\u00f6r arbetsmarknaden.<\/p>\n<p>\u201cS\u00e4rskilt kvinnor f\u00e5r t\u00e4nka p\u00e5 det h\u00e4r med att man kanske g\u00e5tt ner och jobbat deltid vissa \u00e5r n\u00e4r barnen var sm\u00e5, eller om man varit arbetsl\u00f6s\u201d, s\u00e4ger hon till News55.\u00a0<\/p>\n<p>Ett s\u00e4tt att kompensera kan vara att <a href=\"https:\/\/www.e55.se\/ekonomi\/arbete\/sa-kan-sverige-fa-aldre-att-stanna-langre-pa-jobbet\/\" rel=\"nofollow noopener\" target=\"_blank\">arbeta ett extra \u00e5r efter rikt\u00e5ldern<\/a>, vilket enligt henne kan h\u00f6ja pensionen med mellan 6 och 8 procent f\u00f6r vissa grupper.<\/p>\n<p><img alt=\"Shoka \u00c5hrman \u00e4r sparekonom p\u00e5 SPP Pension och f\u00f6rs\u00e4kring. Arkivbild.\" loading=\"lazy\" width=\"1024\" height=\"683\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;max-width:100%;height:auto\"  src=\"https:\/\/www.europesays.com\/se\/wp-content\/uploads\/2026\/01\/shoka-ahrman-ar-sparekonom-pa-spp-pensio-1024x683.jpg\"\/>Shoka \u00c5hrman \u00e4r sparekonom p\u00e5 SPP Pension och f\u00f6rs\u00e4kring. Foto: Christine Olsson\/TTAvgiften \u2013 den dolda pensionsboven<\/p>\n<p>F\u00f6r den som inser att pensionen inte r\u00e4cker finns ett annat alternativ: att spara privat.\u00a0<\/p>\n<p>Det st\u00f6rsta hotet mot ett privat pensionssparande \u00e4r dock s\u00e4llan hur lite man sparar, utan hur dyrt sparandet \u00e4r.<\/p>\n<p>Skillnaden mellan billiga och dyra fonder kan \u00f6ver tid bli enorm, \u00e4ven om avgiftsskillnaden bara \u00e4r n\u00e5gon procent.<\/p>\n<p>\u201cDet l\u00e5ter kanske inte s\u00e5 mycket med en procent hit eller dit i avgift. Men \u00f6ver en tio\u00e5rsperiod kan det handla om hundratusentals kronor som du troligen beh\u00f6ver b\u00e4ttre \u00e4n din pensionsf\u00f6rvaltare eller bank\u201d, s\u00e4ger Shoka \u00c5hrman.<\/p>\n<p>Hon betonar d\u00e4rf\u00f6r vikten av l\u00e5ga fondavgifter och att se \u00f6ver sparandet \u00e4ven efter pensioneringen.<\/p>\n<p>\u201cHar du pengarna p\u00e5 r\u00e4tt st\u00e4lle s\u00e5 forts\u00e4tter kapitalet att v\u00e4xa \u00e4ven efter att du b\u00f6rjat ta ut pension\u2026 D\u00e4rf\u00f6r kan det vara bra att se \u00f6ver avgifter och avkastning \u00e4ven n\u00e4r man redan g\u00e5tt i pension\u201d, s\u00e4ger \u00c5hrman.<\/p>\n<p><strong>L\u00e4s ocks\u00e5:<\/strong> <a href=\"https:\/\/www.e55.se\/pension\/han-flyttade-till-varldens-basta-land-att-pensionera-sig-i\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Han flyttade till v\u00e4rldens b\u00e4sta land att pensionera sig i. E55<\/a><\/p>\n<p>L\u00e4s mer fr\u00e5n E55 &#8211; v\u00e5rt nyhetsbrev \u00e4r kostnadsfritt:Prenumerera<\/p>\n","protected":false},"excerpt":{"rendered":"Kvinnor s\u00e4rskilt utsatta Enligt \u00c5hrman f\u00e5r inte minst kvinnor ofta l\u00e4gre pension, bland annat p\u00e5 grund av deltidsarbete&hellip;\n","protected":false},"author":2,"featured_media":143626,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[65],"tags":[14137,72,70,71,14138,1421,34,31,33,32,30,2604],"class_list":["post-143625","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi","tag-avgift","tag-business","tag-economy","tag-ekonomi","tag-fondavgifter","tag-pension","tag-se","tag-svenska","tag-sverige","tag-sweden","tag-swedish","tag-varning"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/115938235702683778","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/143625","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/comments?post=143625"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/143625\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/143626"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=143625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=143625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=143625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}