{"id":76413,"date":"2023-06-08T13:43:59","date_gmt":"2023-06-08T11:43:59","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=76413"},"modified":"2023-06-08T14:21:05","modified_gmt":"2023-06-08T12:21:05","slug":"valj-laga-avgifter-och-andra-satt-att-hoja-din-pension","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/valj-laga-avgifter-och-andra-satt-att-hoja-din-pension\/","title":{"rendered":"V\u00e4lj l\u00e5ga avgifter – och andra s\u00e4tt att h\u00f6ja din pension"},"content":{"rendered":"\n

Avgifterna har enormt stor betydelse f\u00f6r din pension \u00f6ver tid. Ju tidigare i livet du v\u00e4ljer l\u00e5ga avgifter f\u00f6r ditt sparande, desto st\u00f6rre besparing och effekt p\u00e5 pensionen. Jag g\u00e5r igenom hur mycket pengar du kan spara p\u00e5 att v\u00e4lja l\u00e5ga avgifter, och tipsar om fler s\u00e4tt att h\u00f6ja din pension.<\/strong><\/p>\n\n\n\n

Jag har gjort tre r\u00e4kneexempel d\u00e4r tre personer med 35 \u00e5r kvar till pensionen best\u00e4mmer sig f\u00f6r att flytta fr\u00e5n en pensionsf\u00f6rs\u00e4kring med b\u00e5de en fast och en r\u00f6rlig avgift (360 kr respektive 0,65 % av kapitalet, ett vanligt f\u00f6rekommenade avgiftsuttag, en del tar t o m ut mer \u00e4n s\u00e5) till en pensionsf\u00f6rs\u00e4kring utan fast och utan r\u00f6rlig avgift.<\/p>\n\n\n\n

Den besparing som kan g\u00f6ras p\u00e5 att flytta till l\u00e5ga eller inga avgifter blir v\u00e4ldigt stor. Det beror p\u00e5 att avgifternas betydelse blir s\u00e5 enorm under den l\u00e5nga spartiden. \u00c4ven avgifter v\u00e4xer ju i ett slags inverterad r\u00e4nta p\u00e5 r\u00e4nta-effekt.<\/p>\n\n\n\n

Exemplen visar vikten av l\u00e5ga avgifter i ett l\u00e5ngsiktigt sparande, s\u00e4rskilt ett s\u00e5 l\u00e5ngsiktigt som ett pensionssparande som str\u00e4cker sig \u00f6ver flera decennier. Ju tidigare i livet en person v\u00e4ljer l\u00e5ga avgifter, desto st\u00f6rre besparing och effekt p\u00e5 pensionen. Givetvis spelar storleken p\u00e5 m\u00e5nadssparandet stor roll f\u00f6r hur stor summan blir i slut\u00e4ndan.<\/p>\n\n\n\n

N\u00e5gra exempel:<\/h2>\n\n\n\n

LINA:<\/strong><\/p>\n\n\n\n

Lina har 35 \u00e5r kvar till pensionen. Fr\u00e5n hennes l\u00f6n s\u00e4tts 1000 kr varje m\u00e5nad \u00f6ver till ett tj\u00e4nstepensionssparande.<\/p>\n\n\n\n

Nuvarande pensionsl\u00f6sning:<\/p>\n\n\n\n

Fondf\u00f6rs\u00e4kring<\/p>\n\n\n\n

Fast avgift: 360 kr\/\u00e5r<\/p>\n\n\n\n

R\u00f6rlig avgift: 0,65 % av kapitalet<\/p>\n\n\n\n

Lina best\u00e4mmer sig f\u00f6r att flytta sitt sparande till en f\u00f6rs\u00e4kring utan avgifter.<\/p>\n\n\n\n

Fondf\u00f6rs\u00e4kring<\/p>\n\n\n\n

Fast avgift: 0 kr<\/p>\n\n\n\n

R\u00f6rlig avgift: 0 %<\/p>\n\n\n\n

Vi t\u00e4nker oss en avkastning varje \u00e5r p\u00e5 6 % (pengarna placeras i aktiefonder). Besparingen i form av l\u00e4gre avgifter kommer f\u00f6r Lina att uppg\u00e5 till hela230 000<\/strong>kronor fram tills Lina tar ut pengarna vid 65 \u00e5rs \u00e5lder. Lina plockar sedan ut pengarna under 15 \u00e5r (tills hon blir 80 \u00e5r). \u00c4ven under den tiden g\u00f6rs en besparing eftersom pengarna ligger kvar i en f\u00f6rs\u00e4kring utan avgifter. H\u00e4r sparas ytterligare220 00<\/strong>0 kronor. Att besparingen blir s\u00e5 stor trots kortare tid (15 \u00e5r) beror p\u00e5 att kapitalet nu \u00e4r s\u00e5 pass stort. Totalt har Lina under b\u00e5de spartid och uttagstid sparat ca450 000<\/strong>kronor p\u00e5 flytten till l\u00e4gre avgifter som hon gjorde 35 \u00e5r innan pensionen. Totalt kommer 1,8 miljoner kronor betalas ut till Lina under hennes uttagstid.<\/p>\n\n\n\n

KARL:<\/strong><\/p>\n\n\n\n

Karl har 35 \u00e5r kvar till pensionen. Fr\u00e5n hans l\u00f6n s\u00e4tts 1800 kronor varje m\u00e5nad \u00f6ver till ett tj\u00e4nstepensionssparande.<\/p>\n\n\n\n

Nuvarande pensionsl\u00f6sning:<\/p>\n\n\n\n

Fondf\u00f6rs\u00e4kring<\/p>\n\n\n\n

Fast avgift: 360 kr\/\u00e5r<\/p>\n\n\n\n

R\u00f6rlig avgift: 0,65 % av kapitalet<\/p>\n\n\n\n

Karl best\u00e4mmer sig f\u00f6r att flytta sitt sparande till en f\u00f6rs\u00e4kring utan avgifter.<\/p>\n\n\n\n

Fondf\u00f6rs\u00e4kring<\/p>\n\n\n\n

Fast avgift: 0 kr<\/p>\n\n\n\n

R\u00f6rlig avgift: 0 %<\/p>\n\n\n\n

Vi t\u00e4nker oss en avkastning varje \u00e5r p\u00e5 i snitt 6 procent. Besparingen i form av l\u00e4gre avgifter kommer f\u00f6r Karl att uppg\u00e5 till360 000<\/strong>kronor fram tills hon b\u00f6rjar plocka ut pengarna vid 65 \u00e5rs \u00e5lder. Men \u00e4ven under uttagstiden g\u00f6rs en besparing under de 15 \u00e5r uttagen sker. Besparingen blir faktiskt lika mycket till, ytterligare360 000<\/strong>kronor under de 15 \u00e5ren. Totalt har Karl d\u00e4rf\u00f6r sparat ca720 000<\/strong>kronor p\u00e5 flytten till l\u00e4gre avgifter. Totalt kommer 3,3 miljoner kronor att betalas ut fr\u00e5n Karls sparande under hans uttagstid.<\/p>\n\n\n\n

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

Anna har 35 \u00e5r kvar till pensionen (65 \u00e5r). Fr\u00e5n hennes l\u00f6n s\u00e4tts hela 4800 kronor varje m\u00e5nad \u00f6ver till tj\u00e4nstepensionen.<\/p>\n\n\n\n

Nuvarande pensionsl\u00f6sning:<\/p>\n\n\n\n

Fondf\u00f6rs\u00e4kring<\/p>\n\n\n\n

Fast avgift: 360 kr\/\u00e5r<\/p>\n\n\n\n

R\u00f6rlig avgift: 0,65 % av kapitalet<\/p>\n\n\n\n

Om Anna flyttar till en f\u00f6rs\u00e4kring utan avgifter:<\/p>\n\n\n\n

Fondf\u00f6rs\u00e4kring<\/p>\n\n\n\n

Fast avgift: 0 kr<\/p>\n\n\n\n

R\u00f6rlig avgift: 0 %<\/p>\n\n\n\n

D\u00e5 kommer besparingen i form av l\u00e4gre avgifter fram tills Anna tar ut pengarna vid 65 \u00e5r att uppg\u00e5 till hela860 000<\/strong>kronor. Men \u00e4ven under uttagstiden, de 15 \u00e5ren fr\u00e5n det att Anna \u00e4r 65 \u00e5r, kommer pengar att sparas p\u00e5 de l\u00e4gre avgifterna. Totalt handlar det om en besparing p\u00e51,7 miljoner<\/strong>kronor. Att beloppen \u00e4r s\u00e5 pass stora beror p\u00e5 att Anna g\u00f6r stora ins\u00e4ttningar (4800 kr\/m\u00e5n) under spartiden, och att pengarna d\u00e5 snabbt kan v\u00e4xa med r\u00e4nta p\u00e5 r\u00e4nta-effekten.<\/p>\n\n\n\n

Jag har som sagt r\u00e4knat p\u00e5 6 % snittavkastning. Jag har inte r\u00e4knat med n\u00e5gon fondavgift vilken tillkommer, men \u00e5 andra sidan brukar man kunna s\u00e4ga att marknaden v\u00e4xer med i snitt 8 % per \u00e5r och h\u00e4r r\u00e4knar jag med 6 %. V\u00e4ljs indexfonder med max 0,3 % i avgift kan man gott och v\u00e4l lyckas f\u00e5 en h\u00f6gre avkastning \u00e4n den jag r\u00e4knat med. Jag har r\u00e4knat p\u00e5 en avkastningsskatt p\u00e5 0,5 %.. <\/p>\n\n\n\n

Fler s\u00e4tt att h\u00f6ja pensionen<\/h2>\n\n\n\n
  1. Se till att du har tj\u00e4nstepension till bra villkor. Tj\u00e4nstepensionen kommer att spela en allt st\u00f6rre roll f\u00f6r den slutliga pensionen f\u00f6r kommande generationer. B\u00f6rja med att se till att du har en tj\u00e4nstepension, och d\u00e4refter att den \u00e4r placerad till schyssta villkor. G\u00e5 in p\u00e5 Minpension.se och kolla var du har din tj\u00e4nstepension och hur den \u00e4r placerad.<\/li>
  2. Starta ett privat pensionssparande. Privat pensionssparande \u00e4r inte ett m\u00e5ste. Men det \u00e4r det privata pensionssparandet som kan vara det som g\u00f6r att avbr\u00e4cket mellan slutl\u00f6n och pension inte blir fullt lika stort.<\/li>
  3. Ta inte f\u00f6r l\u00e5g risk. Ett klassiskt misstag \u00e4r att placera i tillg\u00e5ngar som ger f\u00f6r l\u00e5g avkastning \u00f6ver tid. En fondf\u00f6rs\u00e4kring passar generellt sett b\u00e4ttre f\u00f6r en ung person med l\u00e5ng tid kvar till pensionen, \u00e4n en traditionell livf\u00f6rs\u00e4kring (de nyare varianterna, som inte har f\u00f6rm\u00e5nliga garantier) med h\u00f6g andel r\u00e4ntor.<\/li>
  4. V\u00e4lj r\u00e4tt fonder. \u00c4ven fondvalen, allts\u00e5 det du fyller din tj\u00e4nstepension eller det privata pensionssparandet med, \u00e4r viktiga. Indexfonder \u00e4r en effektiv och billig bas som passar de flesta. Inom den kollektivavtalade tj\u00e4nstepensionen \u00e4r fonderna upphandlade, vilket inneb\u00e4r att avgifterna har pressats. L\u00e5ga avgifter finns ocks\u00e5 inom den individuella tj\u00e4nstepensionen \u2013 men h\u00e4r \u00e4r det ocks\u00e5 l\u00e4ttare f\u00f6r dyra och d\u00e5liga l\u00f6sningar att smyga sig in. V\u00e4lj med omsorg!<\/li>
  5. Flytta pensionen. Se till att du har valt n\u00e5got av de upphandlade alternativen inom den kollektivavtalade tj\u00e4nstepensionen. Inom den individuella tj\u00e4nstepensionen beh\u00f6ver du sj\u00e4lv kontrollera att villkoren \u00e4r goda, exempelvis att sj\u00e4lva f\u00f6rs\u00e4kringen inte \u00e4r belagd med en h\u00f6g fast eller r\u00f6rlig avgift. \u00c4r den det kan det definitivt vara l\u00e4ge att byta. Att flytta en individuell pensionsf\u00f6rs\u00e4kring kostar numera endast ca 600 kronor. En l\u00e5g kostnad f\u00f6r en flytt som kan f\u00e5 stor effekt p\u00e5 ditt pensionsutfall.<\/li>
  6. Fundera kring \u00e5terbetalningsskyddet.. \u00c5terbetalningsskydd inneb\u00e4r att din familj f\u00e5r ditt inbetalda pensionskapital om du skulle g\u00e5 bort. Det finns dock en prislapp f\u00f6r detta, i form av en n\u00e5got l\u00e4gre pension f\u00f6r dig varje m\u00e5nad. Du f\u00e5r inte ta del av s\u00e5 kallade arvsvinster, som \u00e4r pengar fr\u00e5n pensionsf\u00f6rs\u00e4kringar som tillh\u00f6rt personer som g\u00e5tt bort \u2013 och som inte valt \u00e5terbetalningsskydd.<\/li><\/ol>\n\n\n\n

    Hur tar du hand om din pension?<\/p>\n\n\n\n

    \/Frida<\/p>\n","protected":false},"excerpt":{"rendered":"

    Avgifterna har enormt stor betydelse f\u00f6r din pension \u00f6ver tid. Ju tidigare i livet du v\u00e4ljer l\u00e5ga avgifter f\u00f6r ditt sparande, desto st\u00f6rre besparing och effekt p\u00e5 pensionen. Jag g\u00e5r igenom hur mycket pengar du kan spara p\u00e5 att v\u00e4lja l\u00e5ga avgifter, och tipsar om fler s\u00e4tt att h\u00f6ja din pension. Jag har gjort tre […]<\/p>\n","protected":false},"author":40184,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4055],"tags":[72,130],"class_list":["post-76413","post","type-post","status-publish","format-standard","hentry","category-pension","tag-fonder","tag-pension"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2020\/10\/frida-2-620x222.png 620w, 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