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Helena Sjödin Öberg: Burn all the pension or not?

the Story of the hard-working man who never got to enjoy retirement has affected me deeply. Almost every day I ask myself if I am happy with my life. And yes, almost every day I answer myself that it is fun and interesting, even to go to work. But the day I no longer enjoy I will think differently. And start dreaming about pensionärslivet.

I'll be healthy and strong and do lots of fun things for at least 20 years after retirement. And it's going to cost.

Read more: more and more people taking out occupational pension in a short time

So why not pick out a larger part of the pension in the beginning? When you still have the energy? I might be in a hundred years, but few over the age of 85 years live a costly, active life. The starting cost of the aged is in place and the care.

And then we come to a question of moral responsibility.

if I burn all the money, the society must still give me care and concern. And it will be paid for by future taxpayers and not by my, then, the minimal pension (since I lived up here for the rest of the pensionspengarna).

Pensionsbolaget AMF has seen a clear new trend, with the change in the behaviour of pensioners. But civil servants and politicians?

in general, have started to pick out more in the beginning probably need to be trust in society. If you do of everything in the beginning so take it for granted that there should be a benevolent society that takes care of one when the money is exhausted (in spite of alarming reports from the care for the elderly). And where is a watershed between the older generations and those who retires now. Have you been living during the two world wars, you know that nothing is certain, unlike the one that has sprung up in the hopeful 50s and 60s with the ever expanded social reforms.

My grandmother, born in 1900, died in 1993, had as its major driving forces to 1. have enough money in the bank so that I could go to the funeral and 2. never be a burden on anyone. It was her morality. It does not feel like she shares it with the generation that is entering the pensionärslivet now. They are more individualistic, while the pension scheme also opened opportunities for – and encouraging – more individual choice. And it is a moral responsibility to future generations to control our individual pensionsval? Or is it legislation?

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