{"id":255237,"date":"2026-05-25T01:47:25","date_gmt":"2026-05-25T01:47:25","guid":{"rendered":"https:\/\/www.europesays.com\/se\/255237\/"},"modified":"2026-05-25T01:47:25","modified_gmt":"2026-05-25T01:47:25","slug":"vad-hander-med-din-pension-om-du-dor-miljoner-svenskar-vet-ej","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/255237\/","title":{"rendered":"Vad h\u00e4nder med din pension om du d\u00f6r? Miljoner svenskar: vet ej"},"content":{"rendered":"<p>\u201dDet \u00e4r lite f\u00f6rv\u00e5nande med tanke p\u00e5 att det handlar om s\u00e5 mycket pengar\u201d, s\u00e4ger <strong>Stefan Westerberg<\/strong>, privatekonom p\u00e5 L\u00e4nsf\u00f6rs\u00e4kringar, till <a href=\"http:\/\/aftonbladet.se\/minekonomi\/pension\/a\/Rj6gwA\/enkla-valet-kan-ge-tusenlappar-extra-i-pension\" rel=\"nofollow noopener\" target=\"_blank\">Aftonbladet<\/a>.<\/p>\n<p>Sex av tio svenskar vet inte eller \u00e4r os\u00e4kra p\u00e5 om de har \u00e5terbetalningsskydd p\u00e5 sin tj\u00e4nstepension, enligt en rapport fr\u00e5n L\u00e4nsf\u00f6rs\u00e4kringar. Det betyder att m\u00e5nga inte vet om deras pensionspengar g\u00e5r till anh\u00f6riga eller till f\u00f6rs\u00e4kringskollektivet i form av s\u00e5 kallade arvsvinster om de skulle d\u00f6.<\/p>\n<p>I 60-\u00e5rs\u00e5ldern \u00e4r det inte ovanligt att ha miljonbelopp sparade i tj\u00e4nstepensionen. Har man \u00e5terbetalningsskydd betalas pengarna ut till familjen om man d\u00f6r. Utan skyddet g\u00e5r pengarna i st\u00e4llet vidare till andra f\u00f6rs\u00e4krade i samma system.<\/p>\n<p><strong>MISSA INTE: <\/strong><a href=\"https:\/\/www.news55.se\/privatekonomi\/reglerna-andrades-da-sanktes-pensionen-i-sverige\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Reglerna \u00e4ndrades \u2013 d\u00e5 s\u00e4nktes pensionen i Sverige<\/a><\/p>\n<p>Kan ge h\u00f6gre pension<\/p>\n<p>Den som v\u00e4ljer bort \u00e5terbetalningsskyddet f\u00e5r i st\u00e4llet del av arvsvinster fr\u00e5n andra avlidna pensionssparare. Men enligt Stefan Westerberg \u00e4r effekten liten under arbetslivet och blir f\u00f6rst tydlig senare i livet.<\/p>\n<p>\u201dDet h\u00e4r g\u00f6r att man inte tj\u00e4nar s\u00e5 mycket p\u00e5 att ta bort \u00e5terbetalningsskyddet i ung \u00e5lder. Det blir riktigt verkningsfullt f\u00f6rst i pensions\u00e5ldern\u201d, s\u00e4ger Stefan Westerberg till Aftonbladet.<\/p>\n<p>Enligt L\u00e4nsf\u00f6rs\u00e4kringars ber\u00e4kningar kan skillnaden bli stor. En person med 40 000 kronor i m\u00e5nadsl\u00f6n som har \u00e5terbetalningsskydd hela livet f\u00e5r omkring 13 534 kronor i tj\u00e4nstepension per m\u00e5nad. Den som beh\u00e5ller skyddet under arbetslivet men tar bort det vid pension f\u00e5r cirka 16 040 kronor.<\/p>\n","protected":false},"excerpt":{"rendered":"\u201dDet \u00e4r lite f\u00f6rv\u00e5nande med tanke p\u00e5 att det handlar om s\u00e5 mycket pengar\u201d, s\u00e4ger Stefan Westerberg, privatekonom&hellip;\n","protected":false},"author":2,"featured_media":255238,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[65],"tags":[72,70,71,6485,11510,4500,1421,2973,34,2874,16900,31,33,32,30,3648],"class_list":["post-255237","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi","tag-business","tag-economy","tag-ekonomi","tag-inkomst","tag-lansforsakringar","tag-pengar","tag-pension","tag-pensionsmyndigheten","tag-se","tag-skatt","tag-stefan-westerberg","tag-svenska","tag-sverige","tag-sweden","tag-swedish","tag-tjanstepension"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/116632698622530069","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/255237","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=255237"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/255237\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/255238"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=255237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=255237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=255237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}