Then thousands of dollars disappear by the pension

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Then thousands of dollars disappear by the pension

Retiring at the age of 65 has long been a matter of course, but soon the system changes. From 2026, the retirement age will be replaced by a target age, which means that pension payments will be adapted to the average life expectancy.

– Swedish average life expectancy increases by 3.5 hours every day. If we continued to retire at 65, the pension money would have to last longer, which in turn leads to lower pensions, says Staffan Strömpension economist at Alecta, to the site News55.

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So much can you lose if you retire early

If you want to maximize the pension, the best option is to work longer. Working for the target age instead of retiring at 65 can mean several thousand dollars more each month.

– Many people think that the solution is to stop working completely, but an alternative may be to go down in time. Working half -time still gives pension deposits and at the same time a softer transition to retirement life, says Staffan Ström.

Here are three examples of how the pension is affected depending on salary and retirement age:

  • A person with a salary of SEK 36,000 a month receives SEK 24,000 in pension if retirement takes place when the person is 65. If they instead work for another two years, the pension increases to 28,000 a month.
  • A person who earns 50,000 a month will receive SEK 37,000 in retirement at the age of 65. If they instead work for the target age, the pension is increased to 42,600 a month.
  • A person with a salary of 30,000 a month receives SEK 23,300 if they retire at 65. But if retirement is postponed, the sum is increased to SEK 28,100 a month.

    • Read more: Seniors’ tough criticism: “I’m very upset”

    Read more: They lose SEK 6,100 per week 2025

    nh2-general