PPM-shark: Get out more in pension than in pay

"PPM-shark: Get out more in pension than pay"

"Björn Berg, 66, has achieved the impossible.nHan get out more in pension than what he got out of the salary:n It applies only to care and take a quarter of an hour a day."

"From the year 2000, it is free to choose which mutual funds even public pension should be placed in."

"Björn Berg, 66, jumped on immediately:"

"– Then I had well 20 000 sek which I could begin to manage. I did, of course, " he says."

"And it's been great. Today he gets more out of the wallet as a pensioner than what he earned as a worker at Volvo trucks in Gothenburg."

"only Select the best"

"From the beginning distributed Bear its pensionspott in five different funds. Three went well. The two went bad."

" I came out of nowhere. I decided after a while that I should bet everything on one card, mutual funds with high risk. I went over to the just one fund."

"bob's recipe is easy and no secret. And he is happy to share the success with others. "

" Every day I lay down for 10-15 minutes, sometimes half an hour to read what is interesting on the market. You can follow the, Dagens Industri, and see what people are talking about. Are we talking petrol or are we talking gold? Or metals, or technology? How hard can it be?"

"Then log in the Pensionsmyndighetens website and the ”My pages”, usually via his toad. "

"– I look at the funds in the premium pension system, which goes best. Then you choose just one of them that does it. It was one of the five who have very low förvalningsavgift so do I, of course, the. I would rather not go over 0.7 per cent. Falls then down to another, " says Björn. "

"he has followed this method to the letter since 2000. "

"– Go into every now and then and take a small glutt. Is it good? It is not, select another fund. So easy is it. The person best wins the. Difficult it is not to choose a fund and keep up with on this."

"the Success has primarily been due to rysslandsfonderna which he placed in 2010-2011. "

"– They quickly came up and the market was hot. But sometimes, I lost 100 000 sek over a night. Sometimes they take a few days before there is time to change. They take not me first, but of course, there is a turn."

"in 2013, he finished work and got avtalsperson from Volvo."

" I was at home the last couple of years and had plenty of time to engage me. "

"It had an effect on the premium pension."

"– I is now on a 1,66 million. One can well say, without loss of pay from work, and then some. It just ran in the road. It can go up one-two per cent. Now when it is on a million a-two per cent of 20 000 sek for a night. It is pretty fantastic, " he says from his campingvagn in Grisslehamn."

"the Saw, the Seventh AP-fund"

"He gets out more in income per month in retirement than when he worked on the floor of the lastbilshallarna in Gothenburg, where he worked in 46.5. Despite the fact that he started working already as a 15-year-old kid."

"In the end, he earned 30 000 per month with Volvo. Now he can take out more than 35 000 sek per month in pension – much thanks to their well-managed money in allmänpensionen in the premium pension system."

"Over the past year, he has had a value growth of 21%. The seventh ap fund has not even been on half as much. And the latter is the förinvalda the fund to which all may if you do not make an active fund selection."

"– just look at the top of the list. It is not even on the first page. You pay twice as much."

"Despite the fact it keeps the vast majority of taxpayers are fixed by the Seventh AP fund. Only 5.2% of all pension and retirees are active and change funds, according to pension authorities. There are 360 000 people of the total population."

"It does not make Bear:"

"– It is a shame that not more care. You should sit and wait for a AP-a fund that works for the old? Stop. You need not be afraid to change. You may just have some ice in the stomach."

"And, of course, he has chosen to manage their placement of their tjänstepensionspengar."

"– I buy those where Volvo-shares also. It goes well with it. It is a bit up and down on the market. It is a bit so-so. But you have to believe in it, it is what is important."

"bob's recipe for success:"

"1. Log on to ”My pages” on the Pensionsmyndighetens website or the authority's app ”Change funds”."

"2. Under the section ”My premium pension” is a box with the text ”Change funds”. Click on it."

"3. Then click on the ”Search and select funds”). (You don't need to choose mutual funds if you don't want to, but can at any time to cancel.) You will then get up a bunch of tables. At the top there are different dimensions, press the text with ”2017”. You get up funds as been the best, had the best value, in 2017. First, the ports list, in descending order, i.e. the funds that have gone worst. Click on the 2017 again."

"4. Now you have the list of the funds that have gone best in the premium pension system. Look at the five funds with the highest value, and select the fund that has the lowest fondavgift. Bear never goes over 0.7 per cent in the fondavgift. Ideally, he would like to be of 0.4–0.5."

"5. Then it's just to add to the fund. Button you can find at the right of the fondfältet. You need to then just accept and wait for the fondbytet."

"6. Then go into the website each and every day and keep an eye on how it goes. Has your fund has fallen down in the top list - choose a new of the five in the top. And so are you."

"Your pension will usually be from several different sources:

"✓ first, you get a public pension from the state which Authority is responsible for: "

"✓ you can get a pension from your employer. "

"✓ in Addition, you can also have a private saving to the pension. "

"✓ The public pension will be paid as long as you live. However, the payment of occupational pension and their own savings can be made during a limited period of time."

"Source: Authority"

"So, you switch your funds:"

"✓ It is easy to change the funds in the premium pension. You can make your applicable Pensionsmyndighetens website or through the mobile app "

"✓ There are various opportunities for you to exchange funds. It costs nothing and you can change how often you want to."

"► the Swedish premium pension system works as a fondhandelstorg with mutual funds that invest in the entire world. If you choose to make a their shares, it typically takes two-three weekdays before the change is clear. You make a their shares of the funds that is in other time zones take fondbytet often three to four weekdays. The fund in your applicable that takes the most number of weekdays that the act governs how long fondbytet takes."

"✓ to get the chance to a good value you must take the risk. Mutual funds vary more in value during the save time than a savings low-risk, but often has a higher value."

"✓ Costs are one of the main factors that determine how large a pension you get. By choosing a manager with low fees, you increase your chances of a good pension."

"✓ Working and paying taxes - then you earn in to your public pension. Most also have a pension from the employer. Many do well on the two parts of the pension."

"✓ A long time for the savings is key to a higher pension. The longer you work, the higher pension you get. The longer the time you have to save, the more time your money grow."

"Source: Authority"