"To retire early to enjoy life while you are fresh and healthy is a dream for many.states that are considering it should plan carefully, consider the experts.n– Many underestimate the remaining life expectancy after retirement. On average, we have 20-22 years to live after retirement and for many much longer than that, " says Jens Magnusson, privatekonom on SEB."
"The dream is to retire early should first and foremost go to the website Minpension.see in order to get a realistic picture of what amounts you have to move, think Sharon Lavie, familjeekonom at Ikano bank.nbefore approaching retirement age, it is important to review what choices you make. To substantiated during the last years of working life, affecting, for example, the pension negatively. You should also look at what protection you have in your pension, she believes."
”Stupid to have the guards remain”"
"– Familjeskydd is good if you have small children at home or if you have a spouse who is dependent of one's pension. But if you have empty nesters adult children, it is stupid to have the guards remain as the teddy bears on your pension.nEget saving on such an account is, of course, also good if you are looking to retire early, " says Sharon Lavie and strikes a blow for global index funds have good diversification and low fees.nNästa thing to think about is the accommodation. The owner of the accommodation might consider moving to something smaller and get it off the money, says she."
"Early withdrawals more common"
"the Public pension can be taken out at the earliest from the month you turn age 61 years. The next year is raised probably the limit of a year, which means that anyone who is born in 1960, has the opportunity to take their pension from age 62, that is to say, the year 2022.n each school there is a riktålder – a recommended retirement age when the public pension and occupational pension together constitutes 65-70 per cent of the final salary. For each year that the jacks slightly reduces the size of the payments and who retire five years before the riktåldern can expect that the public pension and occupational pension together accounts for about 50 per cent of the final salary.states that want to leave the labour market early, thus having to put the extra money to make up for the shortfall – particularly if you are planning to retire prior to the earliest uttagsåldern for the public pension.nTjänstepensionen is usually paid from age 65, but can often be taken out already from the age of 55.nEnligt figures from multiple providers are increasingly choosing to take their retirement pension earlier and in a shorter period of time to be able to spend the money while you are fresh and healthy."
"salary exchange and partial retirement"
"For those who made a conscious choice, it is no problem to take out occupational pension early, consider Jens Magnusson, but adds that it is not something he would recommend someone without the proper financial margins.nHan believes that it makes a short charging either should save a large portion of the money or have other money available at the time utbetalningstiden has ceased.the n– To take out the pension in the shortest possible time means that you will have a major setback after five years and then have most of the a long time left to live.nEtt another way to plan for early retirement is through the so-called salary exchange that has become more common in large workplaces since the tax deduction for private pension savings was taken away for all who have an occupational pension.you normally put the employer of approximately 4.5 to 5% of salary to a retirement pension.n– If the employer goes with it, you can refrain a bit more salary, and instead receive more contributions to an occupational pension, " says Jens Magnusson.nLöneväxling, however, is mainly profitable for high income earners with salaries over 43 000 dollars a month because the löneväxlar at the lower incomes at risk of the lower public pension."
"When the time comes, it may be worth thinking about if you should terminate you abruptly or if you are going to be deltidspensionär. As deltidspensionär it is much easier to get back to work on pensionärslivet will be a disappointment."