{"id":4747,"date":"2026-09-24T08:55:37","date_gmt":"2026-09-24T06:55:37","guid":{"rendered":"https:\/\/blogg.avanza.se\/private-banking\/?p=4747"},"modified":"2026-09-24T09:08:49","modified_gmt":"2026-09-24T07:08:49","slug":"storre-kapital-sa-planerar-du-pensionen","status":"publish","type":"post","link":"https:\/\/blogg.avanza.se\/private-banking\/storre-kapital-sa-planerar-du-pensionen\/","title":{"rendered":"St\u00f6rre kapital? S\u00e5 planerar du pensionen"},"content":{"rendered":"<p><strong>F\u00f6r dig med stora tillg\u00e5ngar handlar pensionsplanen s\u00e4llan om att maximera en del. Viktigare \u00e4r hur mycket du kan anv\u00e4nda efter skatt och hur stor handlingsfrihet planen ger. Simon Bjerregaard, kundansvarig Private Banking, g\u00e5r igenom hur tj\u00e4nstepensionen kan bli en flexibel del av helheten.<\/strong><\/p>\n<h2>N\u00e4r olika delar av ekonomin ska samspela<\/h2>\n<p>Har du byggt upp ett st\u00f6rre kapital handlar fr\u00e5gan inte bara om hur mycket som ska s\u00e4ttas av till pension. Det handlar ocks\u00e5 om hur tj\u00e4nstepensionen ska fungera tillsammans med kapitalet i bolaget och ditt privata sparande.<\/p>\n<p>De tre delarna ger olika m\u00f6jligheter. Tj\u00e4nstepensionsavs\u00e4ttningar kan ge bolaget avdragsr\u00e4tt inom g\u00e4llande ramar, men kapitalet binds och beskattas som inkomst n\u00e4r det tas ut. Kapital i bolaget kan forts\u00e4tta investeras eller anv\u00e4ndas i verksamheten, medan privat sparande \u00e4r mer tillg\u00e4ngligt.<\/p>\n<p>Det som \u00e4r r\u00e4tt f\u00f6r dig beror p\u00e5 n\u00e4r du vill kunna anv\u00e4nda pengarna och hur din situation ser ut \u00f6ver tid. I vissa perioder \u00e4r bolagets likviditet viktigast, i andra kan st\u00f6rre pensionsavs\u00e4ttningar bli mer intressanta. Efter en f\u00f6rs\u00e4ljning kan det privata kapitalet f\u00e5 en st\u00f6rre roll.<\/p>\n<p>D\u00e4rf\u00f6r \u00e4r det s\u00e4llan en enskild l\u00f6sning som \u00e4r b\u00e4st. Det \u00e4r balansen mellan pension, bolagskapital och privat sparande som ger dig fler val l\u00e4ngs v\u00e4gen.<\/p>\n<h2>Planera f\u00f6r att planen kan \u00e4ndras<\/h2>\n<p>Att minska skatten i \u00e5r \u00e4r en sak. P\u00e5 l\u00e4ngre sikt g\u00e4ller det att undvika att inkomster l\u00e5ses till samma tidpunkt och beskattning.<\/p>\n<p>En stor tj\u00e4nstepension som betalas ut under kort tid kan sammanfalla med l\u00f6n, styrelsearvoden eller andra pensioner. Det kan ge h\u00f6g beskattningsbar inkomst under n\u00e5gra f\u00e5 \u00e5r. Om en stor del av kapitalet i st\u00e4llet finns kvar i bolaget beror den privata handlingsfriheten p\u00e5 hur och n\u00e4r pengarna kan tas ut d\u00e4rifr\u00e5n.<\/p>\n<p>Testa d\u00e4rf\u00f6r planen mot n\u00e5gra t\u00e4nkbara v\u00e4gar:<\/p>\n<ul>\n<li>Du l\u00e4mnar den operativa rollen tidigare \u00e4n planerat.<\/li>\n<li>Du forts\u00e4tter arbeta l\u00e4ngre.<\/li>\n<li>Bolaget s\u00e4ljs eller kapital ska f\u00f6ras vidare till n\u00e4sta generation.<\/li>\n<\/ul>\n<p>H\u00e4r beh\u00f6ver \u00e4ven \u00e5terbetalningsskydd, f\u00f6rm\u00e5nstagare och andra f\u00f6rs\u00e4kringsvillkor finnas med. Pensionskapital och privat kapital fungerar olika vid ett d\u00f6dsfall, vilket kan p\u00e5verka familjens samlade planering.<\/p>\n<p style=\"text-align: center;\"><ins class=\"dcmads\" style=\"display: inline-block; width: 320px; height: 320px;\" data-dcm-placement=\"N877686.279382DBMPERERINEAVANZA-\/B25775855.382907109\" data-dcm-rendering-mode=\"iframe\" data-dcm-https-only=\"\" data-dcm-api-frameworks=\"[APIFRAMEWORKS]\" data-dcm-omid-partner=\"[OMIDPARTNER]\" data-dcm-gdpr-applies=\"gdpr=${GDPR}\" data-dcm-gdpr-consent=\"gdpr_consent=${GDPR_CONSENT_755}\" data-dcm-addtl-consent=\"addtl_consent=${ADDTL_CONSENT}\" data-dcm-ltd=\"false\" data-dcm-resettable-device-id=\"\" data-dcm-app-id=\"\"><span style=\"font-size: xx-small;\">Annons<\/span><br \/>\n<script src=\"https:\/\/www.googletagservices.com\/dcm\/dcmads.js\"><\/script><br \/>\n<\/ins><\/p>\n<h2>N\u00e4r tj\u00e4nstepensionens roll \u00e4r tydlig blir villkoren viktiga<\/h2>\n<p>N\u00e4r du vet vilken roll tj\u00e4nstepensionen ska ha blir det enklare att bed\u00f6ma pensionsl\u00f6sningen. F\u00f6r kapital som ska vara investerat under en l\u00e4ngre tid \u00e4r avgifterna en viktig faktor.<\/p>\n<h3>R\u00e4kneexempel: 0,5% i \u00e5rlig kapitalavgift<\/h3>\n<p>Med en antagen \u00e5rlig avkastning p\u00e5 7% f\u00f6re avgift blir kostnaden f\u00f6r 0,5% i \u00e5rlig kapitalavgift p\u00e5 ett pensionskapital p\u00e5 10 miljoner kronor:<\/p>\n<p>Efter 1 \u00e5r: 50 000 kr<\/p>\n<p>Efter 20 \u00e5r: cirka 3,5 miljoner*<\/p>\n<p>Det \u00e4r pengar som annars hade kunnat forts\u00e4tta vara investerade och generera avkastning.<\/p>\n<p>P\u00e5 Avanza betalar du <a href=\"https:\/\/www.avanza.se\/pension\/flytta-din-pension.html\" target=\"_blank\" rel=\"noopener\">ingen fast avgift eller kapitalavgift \u2013 varken f\u00f6r pensionen eller ditt \u00f6vriga sparande.<\/a> Fondavgifter, courtage och andra kostnader f\u00f6r de placeringar du v\u00e4ljer kan tillkomma.<\/p>\n<p>Pensionen beh\u00f6ver inte heller begr\u00e4nsas till ett f\u00e4rdigt fondutbud. Hos oss kan du investera i aktier, fonder och andra v\u00e4rdepapper. Det g\u00f6r det enklare att l\u00e5ta pensionsportf\u00f6ljen komplettera innehaven i bolaget och det privata sparandet, oavsett om du vill sk\u00f6ta investeringarna sj\u00e4lv eller v\u00e4lja en mer automatiserad l\u00f6sning.<\/p>\n<p>Driver du f\u00f6retag kan samma l\u00f6sning anv\u00e4ndas f\u00f6r b\u00e5de dig och dina anst\u00e4llda. Med v\u00e5r <a href=\"https:\/\/www.avanza.se\/pension\/foretag\/tjanstepension.html\" target=\"_blank\" rel=\"noopener\">tj\u00e4nstepension f\u00f6r f\u00f6retag<\/a> kan ni v\u00e4lja vilket f\u00f6rs\u00e4kringsskydd som ska ing\u00e5, medan medarbetarna f\u00e5r tillg\u00e5ng till Avanzas placeringsutbud.<\/p>\n<h2>Det \u00e4r vid utbetalningen som friheten m\u00e4rks<\/h2>\n<p>Friheten m\u00e4rks n\u00e4r pensionens utbetalning g\u00e5r att anpassa. Hos oss kan du v\u00e4lja <a href=\"https:\/\/www.avanza.se\/pension\/ta-ut-pension.html\" target=\"_blank\" rel=\"noopener\">uttag under 5\u201330 \u00e5r eller livet ut.<\/a> Utbetalningen startas digitalt och kan, inom f\u00f6rs\u00e4kringens villkor, pausas eller \u00e4ndras. Du kan sj\u00e4lvklart forts\u00e4tta handla aktier, fonder och andra v\u00e4rdepapper under tiden.<\/p>\n<p>Det g\u00f6r det m\u00f6jligt att justera pensionen om arbetslivet blir l\u00e4ngre, en planerad bolagsf\u00f6rs\u00e4ljning flyttas fram eller det privata kapitalet ska anv\u00e4ndas p\u00e5 ett annat s\u00e4tt \u00e4n du f\u00f6rst t\u00e4nkt. Du slipper fatta alla beslut p\u00e5 f\u00f6rhand.<\/p>\n<p>Innan en gammal pension flyttas beh\u00f6ver villkoren f\u00f6rst\u00e5s granskas. Garantier och f\u00f6rs\u00e4kringsskydd kan vara v\u00e4rda att beh\u00e5lla. Innehaven s\u00e4ljs normalt i samband med flytten, och f\u00f6r vissa tj\u00e4nstepensioner beh\u00f6ver en tidigare arbetsgivare godk\u00e4nna den.<\/p>\n<p><strong>M\u00e5let \u00e4r allts\u00e5 inte att f\u00e5 in s\u00e5 mycket pengar som m\u00f6jligt i pensionen.<\/strong> Det \u00e4r att bygga en bra balans mellan kapital som \u00e4r tillg\u00e4ngligt i dag, kapital som kan forts\u00e4tta arbeta i bolaget och pension som ger inkomst l\u00e4ngre fram. N\u00e4r de delarna g\u00e5r att styra tillsammans f\u00e5r du n\u00e5got som \u00e4r sv\u00e5rt att v\u00e4rdera i en pensionsprognos: st\u00f6rre frihet att v\u00e4lja efter hand.<\/p>\n<p>Vill du diskutera hur tj\u00e4nstepensionen kan komplettera resten av din ekonomi? Vi p\u00e5 Avanza Private Banking hj\u00e4lper dig g\u00e4rna \u2013 du n\u00e5r oss p\u00e5 08-409 421 00.<\/p>\n<p>\/\/ Simon Bjerregaard, kundansvarig Private Banking<\/p>\n<p><a href=\"https:\/\/www.avanza.se\/pension\/flytta-din-pension.html\" target=\"_blank\" rel=\"noopener\">Se vilka pensioner du kan flytta<\/a><\/p>\n<p>*F\u00f6renklat r\u00e4kneexempel med 10 miljoner kronor i startkapital, utan ytterligare ins\u00e4ttningar eller uttag. Ber\u00e4kningen j\u00e4mf\u00f6r 7 procents \u00e5rlig avkastning utan kapitalavgift med 6,5 procent efter kapitalavgift. Efter 20 \u00e5r blir kapitalet cirka 38,7 respektive 35,2 miljoner kronor. Skatt, inflation och \u00f6vriga avgifter ing\u00e5r inte. Avkastningen \u00e4r ett antagande, inte en prognos eller garanti.<\/p>\n<p><em>Pensionsf\u00f6rs\u00e4kring tillhandah\u00e5lls av Avanza Pension.\u00a0Historisk avkastning \u00e4r ingen garanti f\u00f6r framtida avkastning. En investering i v\u00e4rdepapper\/fonder kan b\u00e5de \u00f6ka och minska i v\u00e4rde och det \u00e4r inte s\u00e4kert att du f\u00e5r tillbaka det investerade kapitalet. Avkastningen kan ocks\u00e5 \u00f6ka eller minska p\u00e5 grund av f\u00f6r\u00e4ndringar i valutakursen. Vi reserverar oss f\u00f6r eventuella fel i aktie- och fondinformationen som l\u00e4mnas p\u00e5 denna sida. \u00c5sikter och slutsatser som framkommer i bloggen \u00e4r skribentens egna och skall inte ses som investeringsr\u00e5d och\/eller \u00e5sikter fr\u00e5n Avanza.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>F\u00f6r dig med stora tillg\u00e5ngar handlar pensionsplanen s\u00e4llan om att maximera en del. Viktigare \u00e4r hur mycket du kan anv\u00e4nda efter skatt och hur stor handlingsfrihet planen ger. Simon Bjerregaard, kundansvarig Private Banking, g\u00e5r igenom hur tj\u00e4nstepensionen kan bli en flexibel del av helheten. N\u00e4r olika delar av ekonomin ska samspela Har du byggt upp [&hellip;]<\/p>\n","protected":false},"author":56,"featured_media":4757,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[3,20,4,24,25],"tags":[],"class_list":["post-4747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avanza","category-pension","category-skatter","category-sparande","category-strategi"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"F\u00f6r dig med stora tillg\u00e5ngar handlar pensionsplanen s\u00e4llan om att maximera en del. 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