Are you at the age of 60? It is not uncommon to consider the future as a pensioner. How will it be, how much pension do you get and will you be able to pay for the pension payment?
Pension Authority’s Pension Expert, Monica Zettervallwrites The website That there are several concrete tips for you to maximize the future pension – even if it is imminent.
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Review this in your occupational pension
First and foremost, Zettervall highlights the advantage of reviewing the repayment protection in the occupational pension. You have been able to earn a lot when you reach their 60s. Therefore, it is good to think about whether your family is in need of the money if you were to die, she says.
Should you have a repayment protection linked to the occupational pension, what you have earned will be paid to the occupational pension to the family, and then count: spouse, registered partner and children.
If you choose instead to remove the repayment protection in your occupational pension, Zettervall states that that part of the pension instead increases by six to ten percent.
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Jobber or not? Review the fees
An accepted concept is a job sonar. Continuing to work despite the retirement age achieved is advantageous for several reasons. You may continue to pay salary combined with part of the pension withdrawal. In addition, you continue to earn money for the pension through your continued working life.
Another thing you who are 60 years old should do, whether choosing to become a job sonar or not, is to review the fees you pay for your funds in pension savings. For every extra penny you pay in a fee, just as much disappears from your future pension.
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60+? Do this to maximize pension
Pension expert Monica Zettervall also writes that you should set an e plan for the withdrawal of your pension and to also make a pension budget.
“Your pension is usually lower than the salary you had before you left off. It may therefore be good to review how much you will receive in pension per month after tax at the age of 60 and what expenses you will have as a pensioner, ”she writes on the Pension Authority’s website.
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