{"id":341352,"date":"2026-08-16T23:56:10","date_gmt":"2026-08-16T23:56:10","guid":{"rendered":"https:\/\/www.europesays.com\/se\/341352\/"},"modified":"2026-08-16T23:56:10","modified_gmt":"2026-08-16T23:56:10","slug":"jamnare-ekonomi-under-hela-pensionstiden-langre-utbetalningstid","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/341352\/","title":{"rendered":"J\u00e4mnare ekonomi under hela pensionstiden \u2013 l\u00e4ngre utbetalningstid"},"content":{"rendered":"<p>Att byta jobb och f\u00e5 h\u00f6gre l\u00f6n p\u00e5 k\u00f6pet \u00e4r s\u00e4llan en d\u00e5lig aff\u00e4r. Det kan dock vara klokt att <a href=\"https:\/\/www.dagensps.se\/privatekonomi\/nya-jobbet-kan-sanka-din-pension-trots-hogre-lon\/\" data-type=\"link\" data-id=\"https:\/\/www.dagensps.se\/privatekonomi\/nya-jobbet-kan-sanka-din-pension-trots-hogre-lon\/\" rel=\"nofollow noopener\" target=\"_blank\">sl\u00e4nga ett extra \u00f6ga p\u00e5 tj\u00e4nstepensionen.<\/a><\/p>\n<p>Hur mycket arbetsgivaren betalar in \u2013 och hur l\u00e4nge inbetalningarna forts\u00e4tter \u2013 varierar mellan olika arbetsgivare och pensionsavtal.<\/p>\n<p><img alt=\"pension\" loading=\"lazy\" width=\"1024\" height=\"512\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;max-width:100%;height:auto;margin:0\"  src=\"https:\/\/www.europesays.com\/se\/wp-content\/uploads\/2026\/08\/nypension10-1024x512.jpg\"\/>F\u00f6r m\u00e5nga r\u00e4cker 10 miljoner kronor gott och v\u00e4l till pension. F\u00f6r en del andra \u00e4r det beloppet inte tillr\u00e4ckligt. (Foto: Pexels)Tj\u00e4nstepensionen tar slut<\/p>\n<p>Tj\u00e4nstepensionen har kommit att bli lite av en ryggrad i det svenska pensionssystemet. Problemet \u00e4r att den f\u00f6r m\u00e5nga<a href=\"https:\/\/www.dagensps.se\/privatekonomi\/var-fjarde-pensionar-riskerar-inkomsttapp-pa-40-procent\/\" data-type=\"link\" data-id=\"https:\/\/www.dagensps.se\/privatekonomi\/var-fjarde-pensionar-riskerar-inkomsttapp-pa-40-procent\/\" rel=\"nofollow noopener\" target=\"_blank\"> riskerar att ta slut l\u00e5ngt innan pension\u00e4rslivet g\u00f6r det.<\/a><\/p>\n<p>Ett vanligt alternativ \u00e4r att ta ut tj\u00e4nstepensionen under fem \u00e5r. Det kan verka attraktivt eftersom m\u00e5nadsbeloppet d\u00e5 blir betydligt h\u00f6gre \u00e4n om samma kapital sprids ut \u00f6ver exempelvis tio eller femton \u00e5r.<\/p>\n<p><a href=\"https:\/\/www.dagensps.se\/privatekonomi\/var-fjarde-pensionar-riskerar-inkomsttapp-pa-40-procent\/\" data-type=\"link\" data-id=\"https:\/\/www.dagensps.se\/privatekonomi\/var-fjarde-pensionar-riskerar-inkomsttapp-pa-40-procent\/\" rel=\"nofollow noopener\" target=\"_blank\">N\u00e4stan var fj\u00e4rde pension\u00e4r<\/a> uppger i en unders\u00f6kning att de tar ut sin tj\u00e4nstepension p\u00e5 max fem \u00e5r. Det kan ge mer pengar i b\u00f6rjan av pension\u00e4rslivet \u2013 men ocks\u00e5 ett rej\u00e4lt ras l\u00e4ngre fram.<\/p>\n<p>Problemet uppst\u00e5r n\u00e4r de fem \u00e5ren har g\u00e5tt.<\/p>\n<p>D\u00e5 f\u00f6rsvinner den delen av m\u00e5nadsinkomsten helt, vilket kan inneb\u00e4ra ett kraftigt inkomstfall senare i livet. <\/p>\n<p>AP7 har tidigare pekat ut just f\u00f6r korta uttag av pensionen som ett vanligt misstag. Om hela tj\u00e4nstepensionskapitalet tas ut under fem \u00e5r finns risken att inkomsten d\u00e4refter blir betydligt l\u00e4gre.<\/p>\n<p><a href=\"https:\/\/nyheter24.se\/nyheter\/ekonomi\/privatekonomi\/1504407-kraftigt-sankt-pension-efter-fem-ar-misstaget-manga-gor\" data-type=\"link\" data-id=\"https:\/\/nyheter24.se\/nyheter\/ekonomi\/privatekonomi\/1504407-kraftigt-sankt-pension-efter-fem-ar-misstaget-manga-gor\" rel=\"nofollow noopener\" target=\"_blank\">Nyheter 24 visar exempel <\/a>d\u00e4r en person som tar ut hela tj\u00e4nstepensionen under fem \u00e5r f\u00e5r 40 procent l\u00e4gre inkomst n\u00e4r utbetalningarna upph\u00f6r.<\/p>\n","protected":false},"excerpt":{"rendered":"Att byta jobb och f\u00e5 h\u00f6gre l\u00f6n p\u00e5 k\u00f6pet \u00e4r s\u00e4llan en d\u00e5lig aff\u00e4r. Det kan dock vara&hellip;\n","protected":false},"author":2,"featured_media":341353,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[65],"tags":[72,70,71,1421,34,31,33,32,30,3648,9081],"class_list":["post-341352","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi","tag-business","tag-economy","tag-ekonomi","tag-pension","tag-se","tag-svenska","tag-sverige","tag-sweden","tag-swedish","tag-tjanstepension","tag-utbetalning"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/117107896658350551","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/341352","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=341352"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/341352\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/341353"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=341352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=341352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=341352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}