The full picture Private pension Occupational pension National - PowerPoint PPT Presentation

The full picture Private pension Occupational pension National public pension Income Pension Premium Pension

National Public pension Born 1938-1953 Born 1954 Born 1937 New system Old system • Income pension •Supplementary pension •Supplementary pension • Premium pension •Income pension •Premium pension Guaranteed pension LO-UTBILDNING 2011 2014-02-25 3

National public pension 7,5 income-related base amount = 426 756 SEK/year = 35 563 SEK/month You choose for your premium pension Salary 2,5 % Social insurance benefits 18,5 % 16 % The state handles your income pension

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AP7Såfa – for those who do not want to choose funds themselves 65 0-55 56 60 70 75 years years years years years years AP7 Fixed 0% 3% 15% 35% 50% 65% Income Fund AP7 Equity Fund 100% 97% 85% 65% 50% 35%

The fund fees -4% -5% -1% -2% 2014-02-25 10

The fund fees -10% -18% -26% -33% 2014-02-25 11

To apply for pension • Everyone must apply • Apply 6 months before • Apply with electronic ID

When? • Income pension/supplementary pension: from 61 years • Premium pension: from 61 years • Guaranteed pension: from 65 years Sickness compensation ends the month before you turn 65

Decide how • 25, 50, 75 or 100 percent of benefit • Work and pension at the same time, check the terms and conditions for your occupational pension • Change amount or stop pension Premium pension • Fund insurance or conventional insurance • Survivor benefit

Living Abroad • Income pension, supplementary pension and premium pension to all countries • Guaranteed pension to EU/EES, Switzerland and Canada • Inform the Swedish Pensions Agency of your current address and account number • Do not forget to inform us if you move to another address or country • Life certificate every year

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Interpreting Services Interpreting Services in English are available on Fridays at 12.00-14.00. Phone number 0771-776 801

Visit • Co-operated Service Offices: www.pensionsmyndigheten.se/servicekontor

Important for your pension • Work full time • Start to work at an early age • Work as long as possible • Don’t accept a work without social benefits • You have to apply for your pension

Contact www.pensionsmyndigheten.se 0771 – 776 776 Pensionsmyndigheten 106 44 Stockholm