"salary exchange is said to be good.nMen how good is it, really, and for whom?nHär are the advantages and disadvantages of löneväxla to your occupational pension scheme."
"Are you high income earners, it may be worth thinking about if you should start löneväxla. You can earn a lot on the face of your future pension."
"salary exchange means that you change a part of your salary for a favor. There may be more holidays, company car for private purposes, cleaning services, contribution to eye surgery or another private health care as, for example, infertilitetsbehandlingar. The most common is to löneväxla to extra retirement pension. You can löneväxla at one time or routine each month."
"If your employer allows it."
"But it is not all bring."
"– salary exchange is for those people with high incomes, " says Monica Zettervall, pensionsexpert on the Authority."
"That löneväxla to the supplementary occupational pension scheme is only beneficial for people who earn more than the statutory for the public pension. You earn less than you get with salary exchange, as less paid up pension from the public."
"For the year 2018 is the statutory 42 031 sek gross per month, thus, it is at least the amount you have left after the employer learned of the löneväxlingen."
"– to make informed choices and understand the effects. We recommend not to make the salary exchange under the ceiling as it affects other benefits, " says Zettervall."
"you Earn less influenced not only public pension. The statutory of the cash sickness benefit is 28 438 sek, the amount of the allowance on 37 917 crowns and a cashier 25 025 sek. "
"But for the high-income earners who want to save more for their retirement can salary exchange be straight off the bat profitable. Instead of estimating away a lot of money, you can defer the taxation to a more favourable tax. "
"If you are going to start löneväxla then make sure to negotiate the difference between payroll tax and social security contributions as an additional part to your pension contribution. This is because your employer pay lower taxes on money that is allocated to a pension, compared with money set aside to pay. The difference is about 5-6%. This means that for every 100 dollars that you refrain in the salary, the employer should add 5-6 cents extra in löneväxlingen."
"– It is up to the employer to decide. For some employers, this means an extra administrative cost with salary exchange, and the pay is therefore not the difference. But it is obviously something you as an individual will try to get through, especially if you löneväxlar large amount of money. In 20-30 years it may become a lot of money that can grow and become a return on, " says Monica Zettervall."
"But there are also pitfalls for high income earners to keep track of when it comes to löneväxla. It may cost more than it tastes, in certain situations."
"And would you regret you can always stop löneväxla. "
"however, It is important that you write an agreement with your employer where the guidelines are with. In the contract it says how much you get löneväxla of your salary and which is the smallest amount."
"You can only save 35% of gross wages to occupational pension schemes, including the ordinary occupational pension."
"And don't forget to your regular retirement pension shall not be affected by you löneväxlar."
"– It should be based on the income before löneväxlingen."