Every year, thousands of Swedes retire after a long, and in many cases hard, working life. Some long for the day when it is over to go up early mornings to struggle, others have a harder time to compare themselves to no longer work, but instead continue to remain professionals despite the retirement age achieved and become a so -called job sonar.
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Difference in retirement if you work further
However, when it starts to contract for retirement, there are some things that are important to carry with you. Among other things, the earlier you retire, the less you get every month. This is because you earn more money for the total pension the longer you work.
If you go in early retirement, it will simply be less money as you have not earned as much as you would have done if you waited a few more years with the withdrawal, which is favorable for those who choose to become jobonaries. While taking out a certain proportion of the pension and earning a monthly salary, money will continue to be earned for the pension.
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Retire at the same time? Then it’s a mistake
However, you who live in a couple relationship and are thinking of sinking retirement should know a relatively unknown rule that can cause a juicy bang in your and your partner’s income, says Aftonbladet.
If your partner is younger and intends to retire at the same time as you will then be lower for the partner, which is logical considering that the longer you make money, you also earn more for the pension. In addition, the pension decreases if you start an early withdrawal.
Aftonbladet reports that the rule of thumb is that your total pension is lowered by six to seven percent each year before the age of 66, which you started the withdrawal of the pension.
Furthermore, they report that it is less known how an early withdrawal can affect different grant parts, where a common misconception is that a low income pension caused by an earlier withdrawal will be compensated by a similar increase in the guarantee pension.
However, this is not the case.
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So much you lose in retirement
The guarantee pension is calculated based on whether you have started the withdrawal of the income and premium pension at the age of 66. A later withdrawal contributes to a higher pension but then also causes the space for the guarantee pension to decrease, writes Aftonbladet.
This means that you who retire at the same time as your three -year -old partner, who is 63 years old, will receive a pension of SEK 14,500 a month before tax. This is because when you start taking out the pension, your earned pension is shared with the estimated remaining life expectancy – in this case 23 years. Since the SEK 14,500 is below the limit to get a guarantee pension, it is calculated only after the 66th anniversary.
This means that you have to wait for six years before the guarantee pension kicks in.
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