When you retire, your finances change. As your pension comes from several different sources, it can also be difficult to get a proper overview of how much pension you will actually receive. It is therefore a good idea to start reviewing your pension and your various options in advance of your retirement.
What factors affect my pension?
There are several factors that affect the size of your final pension. Below are a few of them:
- How many years you have worked.
- What salary you have had during your professional life.
- The contributions your employer has paid.
- Your individual choices concerning your occupational pension.
How much will my pension be?
A pension forecast is based on your planned retirement date. In order to be able to make a pension forecast, you therefore need to provide your planned retirement date.
For an overall picture of all three elements of your pension, visit minpension.se (only in Swedish). The Pension Service is a collaboration between the government and a number of pension companies.
You will find details of your state pension in the orange envelope you receive each year from The Swedish Pensions Agency. You can also request a pension forecast for your state pension from the Swedish Pensions Agency.
You will find details of your occupational pension at The National Government Employee Pensions Board (SPV). You can request a pension forecast from firstname.lastname@example.org or by contacting the pension administrator at Human Resources.
Your occupational pension includes a supplementary old-age pension. Forecasts for your supplementary pension can be obtained from Kåpan Pensioner. You can request a forecast from email@example.com or by contacting the pension administrator at Human Resources.
Information about your private savings are available from your insurer.