the general pensions shown in the orange envelope. In addition, it has generally an occupational pension and possibly your own private pension savings. Photo: Collectum
Seven out of ten respondents salaried employees in a survey that the union PTK commissioned do not know that occupational pensions are part of the collective agreement .
to not know how occupational pension works, or to know if you have any at all, can be a problem, according to Anna Allerstrand, pension specialist in PTK.
– especially since it can creating unnecessary anxiety, but it can also mean acquiring unnecessary insurance and make incorrect financial decisions, she says.
In the days sent the orange envelope out, showing the general pension. The board consists of more parts is something that authorities and pension experts are doing their best to drum up, because there will be a shock to read the numbers in the envelope.
– I think that awareness has increased, but still, it is obviously a relatively large knowledge gap. And it comes in new, young people. Therefore, we must never stop talking about it here, says Anna Allerstrand.
Take an hour or two and find out what is her call.
– Minpension.se is very good site where you get an overview.
According to PTK is the collectively agreed occupational pensions higher than if the employer puts in the same amount to the pension each month without a collective agreement, the equivalent yield. It depends on the prices of savings.
– Outside the system can be exactly the same fund cost 3-4 times more in contributions. And then it becomes less pension because the fees eat of pension capital, says Anna Allerstrand.
– But the main difference is of course if you have no pension at all.
About every tenth person that work has not occupational. In some industries, it is especially common.
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