Pensions will not be enough for all of us

"Pensions will not be enough for all of us"

"the Debaters: Government must facilitate private retirement savings"

"This is an opinion piece. It is the writer who stands for the views that are put forward in the text, not Against."

"the DEBATE. Despite the fact that Pensionsgruppen raise the retirement age, many school and bostadstillägget for seniors, many will not be able to live on his pension. We propose a new retirement savings for low - and middle-income earners."

"A goal that is highlighted from many quarters is that everyone should get 70% of their final salary in pension. For low - and middle-income earners, it may be less than many expect. For example, a final salary of 21 500 sek per month for only 15 sek 450 per month before tax in the public pension and occupational pension. Even if it is equivalent to over 70 per cent of the final salary, the pension is low, calculated in Swedish kronor. It is not possible to live on per cent as a pensioner."

"the Need to save for their pension is, of course, different among different individuals. It depends on how our professional life. Long periods of part-time work often provides a lower pension. A saving, give an opportunity to equalize their income over the whole of life, even for those with lower incomes. "

"Until 2016, the saved 1.9 million people for their retirement through deductible private pension savings. Of them had 125 000 men and 46 000 men with an income under sek 200 000 per year. They saved an average of about 350 per month. This possibility no longer exists and we see now by a Swedish Insurance latest statistics that the payments from the private pension savings is reduced."

"Sweden is one of the few countries which does not encourage private pension savings. The insurance industry proposes that a new private pension savings – matching – are introduced with a focus on low - and middle-income earners. "

"Matching means that the pension savings is made with taxed income and that the state will match savings-with 20 per cent up to a ceiling of 12 000 sek. A savings of 12 000 sek thus provide a maximum contribution from the state on the 2 400 sek per individual and year. "

"to get assimilate the matching should the state require that the individual does not take out the savings before 61 years of age, and that it must be taken out at least 5 years. This ensures that the saving is used for retirement. "

"With a private pension can savings be adapted to individual needs and even out of events through life that otherwise threatens to lead to a low pension. We call on the government and pensionsgruppen to introduce a private retirement savings through matching. "

"nChristina Lindenius, managing director of the Swedish FörsäkringnEva Erlandsson, senior economist, Swedish Insurance"

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