There is the perception she has received after talking with several savings institutions, and it is shared by Claes Hemberg at Avanza. In a survey Avanza commissioned replied, only half of respondents said that they had acted.
– The more active groups have discovered this, but the more passive groups do not see it, says Hemberg.
– It is no wonder. This is a savings husband started long, long ago, running on and you do not have much contact with.
Before the rule change put it on average more pension saver away 470 dollars a month. Is it correct to you, and you have not made any changes in your savings exceed this limit 1800 this week, after monthly savings amount is deducted from your account.
The format for a tax-deductible savings is that no tax the money paid now. Instead, do it when the money is removed. But if you save more than SEK 1 800 in the year you insert understated money, which is then taxed again when they are taken out.
But even those who switched savings may need to think through their choices.
– Capital Insurance is it that almost all savings institutions have suggested. There you have charges and savings are locked, says Hemberg.
Endowment need not be bad, but you should keep an eye on conditions. An alternative is to open an investment savings account (ISK) and choose some broad funds. It is possible to have multiple ISK, if you want to have retirement money separate from other savings.
Salary exchange is another option, though only suited for high earners. For other affected public pension.
– Salary Switch certainly not if you do not earn more than 39 000 per month for salary conversion, says Monica Petersson on Pensions Agency.
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