{"id":228949,"date":"2026-04-26T14:24:19","date_gmt":"2026-04-26T14:24:19","guid":{"rendered":"https:\/\/www.europesays.com\/se\/228949\/"},"modified":"2026-04-26T14:24:19","modified_gmt":"2026-04-26T14:24:19","slug":"smarta-knepet-for-att-spara-till-pension-kan-vara-en-falla-for-dig","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/228949\/","title":{"rendered":"&#8221;Smarta knepet&#8221; f\u00f6r att spara till pension \u2013 kan vara en f\u00e4lla f\u00f6r dig"},"content":{"rendered":"<p>Allm\u00e4n pension s\u00e4nks<\/p>\n<p>Under den niv\u00e5n riskerar du att f\u00f6rlora pensionsr\u00e4tt i den allm\u00e4nna pensionen. Det kan g\u00f6ra att vinsten \u00e4ts upp eller f\u00f6rsvinner helt.<\/p>\n<p>F\u00f6r den som ligger \u00f6ver gr\u00e4nsen finns d\u00e4remot tydliga f\u00f6rdelar. Skatten blir ofta l\u00e4gre n\u00e4r pensionen tas ut i framtiden j\u00e4mf\u00f6rt med n\u00e4r l\u00f6nen beskattas i dag.<\/p>\n<p>ANNONS<\/p>\n<p>L\u00e4gre arbetsgivaravgifter och skatt<\/p>\n<p>Det finns ocks\u00e5 en annan effekt som kan ge extra pengar. Arbetsgivaren betalar l\u00e4gre skatt p\u00e5 pensionsinbetalningar \u00e4n p\u00e5 l\u00f6n, vilket kan g\u00f6ra att mer pengar s\u00e4tts av.<\/p>\n<p>Men d\u00e5 g\u00e4ller det att ha koll p\u00e5 detaljerna. Mellanskillnaden ska tillfalla dig som anst\u00e4lld f\u00f6r att du inte ska riskera att g\u00e5 miste om pengar.<\/p>\n<p>Frida Bratt lyfter ocks\u00e5 att l\u00f6nev\u00e4xling inte alltid \u00e4r b\u00e4sta valet. F\u00f6r den som inte uppfyller kriterierna kan sparande i ISK eller kapitalf\u00f6rs\u00e4kring vara ett b\u00e4ttre alternativ.<\/p>\n<p>\u201dDet h\u00e4r s\u00e4ttet att pensionsspara extra \u00e4r absolut inte f\u00f6r alla.\u201d<\/p>\n<p>L\u00e4s mer om ekonomi:<\/p>\n<p><a href=\"https:\/\/www.news55.se\/privatekonomi\/hushallen-som-tjanar-mest-och-minst-pa-svantessons-ekonomi\/\" rel=\"nofollow noopener\" target=\"_blank\">Hush\u00e5llen som tj\u00e4nar mest \u2013 och minst p\u00e5 Svantessons ekonomi<\/a><\/p>\n<p><a href=\"https:\/\/www.news55.se\/privatekonomi\/ap-fonderna-morkade-attadubbel-kostnad-for-pensionarer-s-rasar\/\" rel=\"nofollow noopener\" target=\"_blank\">AP-fonderna m\u00f6rkade \u00e5ttadubbel kostnad f\u00f6r pension\u00e4rer \u2013 S rasar<\/a><\/p>\n<p>ANNONS<\/p>\n<p><a href=\"https:\/\/www.news55.se\/privatekonomi\/ingrid-74-fick-sankt-pension-vid-arsskiftet-jobbat-sen-jag-var-19\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Ingrid, 74, fick s\u00e4nkt pension vid \u00e5rsskiftet: \u201cJobbat sen jag var 19\u201d<\/a><\/p>\n<p><a href=\"https:\/\/www.news55.se\/privatekonomi\/da-forlorar-du-pa-att-ga-i-pension-senare-an-64-tanker-fel\/\" rel=\"nofollow noopener\" target=\"_blank\">D\u00e5 f\u00f6rlorar du p\u00e5 att g\u00e5 i pension senare \u00e4n 64: \u201cT\u00e4nker fel\u201d<\/a><\/p>\n<p><a href=\"https:\/\/www.news55.se\/privatekonomi\/efter-intern-kritik-minpension-vassar-tjansten-med-nya-verktyg\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Efter intern kritik \u2013 Minpension v\u00e4ssar tj\u00e4nsten med nya verktyg<\/a><\/p>\n<p><a href=\"https:\/\/www.news55.se\/privatekonomi\/ap-fonder-gav-bort-miljarder-i-bonus-och-vd-lon-for-lanade-pengar\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">AP-fonder gav bort miljarder i bonus och vd-l\u00f6n \u2013 f\u00f6r l\u00e5nade pengar<\/a><a href=\"https:\/\/www.news55.se\/privatekonomi\/hushallen-som-tjanar-mest-och-minst-pa-svantessons-ekonomi\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/><\/a><\/p>\n<p>L\u00e4s mer fr\u00e5n News55 &#8211; v\u00e5rt nyhetsbrev \u00e4r kostnadsfritt:Prenumerera<\/p>\n","protected":false},"excerpt":{"rendered":"Allm\u00e4n pension s\u00e4nks Under den niv\u00e5n riskerar du att f\u00f6rlora pensionsr\u00e4tt i den allm\u00e4nna pensionen. Det kan g\u00f6ra&hellip;\n","protected":false},"author":2,"featured_media":228950,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[65],"tags":[72,70,71,8744,13166,4500,1421,2973,349,34,31,33,32,30],"class_list":["post-228949","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi","tag-business","tag-economy","tag-ekonomi","tag-frida-bratt","tag-lonevaxling","tag-pengar","tag-pension","tag-pensionsmyndigheten","tag-privatekonomi","tag-se","tag-svenska","tag-sverige","tag-sweden","tag-swedish"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/116471468361267909","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/228949","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=228949"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/228949\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/228950"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=228949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=228949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=228949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}