[et_pb_section fb_built=”1″ _builder_version=”4.24.3″ _module_preset=”default” background_color=”#fbf4f1″ background_enable_image=”off” background_position=”top_center” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”off|tablet” max_width=”900px” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”40px||40px||true|false” border_width_right=”1px” border_color_right=”#B4CADC” border_width_left=”1px” border_color_left=”#B4CADC” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row custom_padding_last_edited=”off|desktop” disabled_on=”off|off|off” _builder_version=”4.27.5″ _module_preset=”default” background_enable_color=”off” width=”100%” width_tablet=”80%” width_phone=”90%” width_last_edited=”on|phone” max_width=”620px” custom_margin=”80px||0px||false|false” custom_margin_tablet=”||||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”off|desktop” custom_padding=”0px||0px||true|false” custom_padding_tablet=”40px|40px|40px|40px|true|false” custom_padding_phone=”40px|20px|40px|20px|true|true” border_color_right=”#b4c9dc” border_color_bottom=”#d6d6d6″ border_color_left=”#b4c9dc” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”|700|||||||” text_font_size=”24px” text_line_height=”1.2em” header_text_color=”#141414″ header_font_size=”45px” header_letter_spacing=”-1px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”||18px||false|false” text_font_size_tablet=”22px” text_font_size_phone=”19px” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”45px” header_font_size_phone=”30px” header_font_size_last_edited=”on|tablet” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n
[\/et_pb_text][et_pb_image src=”https:\/\/kampanj.di.se\/lansforsakringar\/wp-content\/uploads\/2026\/02\/lf-pensionsfallan-for-smaforetagare-sa-undviker-du-att-en-lag-lon-ger-lag-pension-stefan.jpg” title_text=”lf-stefan” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”0px||25px||false|false” custom_padding=”0px||0px||true|false” animation_style=”fade” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_image][et_pb_text module_class=”ingress” _builder_version=”4.27.5″ _module_preset=”default” text_font=”|700|||||||” text_font_size=”23px” text_line_height=”1.2em” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”||20px||false|false” custom_padding=”||0px||false|false” text_font_size_tablet=”22px” text_font_size_phone=”19px” text_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”post_content”]Det \u00e4r l\u00e4tt att skjuta pensionen framf\u00f6r sig n\u00e4r man driver eget. Fokus ligger ofta p\u00e5 fakturor, kunder och att f\u00e5 vardagen att g\u00e5 ihop. Samtidigt \u00e4r pensionen i praktiken din framtida l\u00f6n \u2013 och n\u00e5got du sj\u00e4lv beh\u00f6ver ta ansvar f\u00f6r. H\u00e4r delar privatekonomen Stefan Westerberg med sig av sina viktigaste r\u00e5d till egenf\u00f6retagare.[\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”] EXTERN L\u00c4NK: Maxa din pension som egenf\u00f6retagare \u2013 ta del av expertr\u00e5den h\u00e4r \u2013 Skillnaden mot att vara anst\u00e4lld \u00e4r att inget sker automatiskt. Som egenf\u00f6retagare beh\u00f6ver du sj\u00e4lv se till att l\u00f6n eller \u00f6verskott blir pensionsgrundande, och att du har ett sparande som \u00e4r t\u00e4nkt f\u00f6r framtiden, s\u00e4ger Stefan Westerberg, privatekonom p\u00e5 L\u00e4nsf\u00f6rs\u00e4kringar.[\/et_pb_text][et_pb_image src=”https:\/\/kampanj.di.se\/lansforsakringar\/wp-content\/uploads\/2026\/02\/lf-maxa-pensionen-som-egenforetagare.jpg” title_text=”lf-maxa-pensionen-som-egenforetagare” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”0px||25px||false|false” custom_padding=”0px||0px||true|false” animation_style=”fade” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″][\/et_pb_image][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Det funkar lite olika beroende p\u00e5 vilken bolagsform du har. Har du aktiebolag? D\u00e5 \u00e4r det l\u00f6nen du tar ut som r\u00e4knas till din allm\u00e4nna pension. Driver du enskild firma? D\u00e5 \u00e4r det \u00f6verskottet (vinsten du skattar f\u00f6r) som g\u00e4ller.<\/p>\n \u2013 M\u00e5nga tror att det r\u00e4cker att f\u00f6retaget g\u00e5r bra, men det \u00e4r f\u00f6rst n\u00e4r du faktiskt betalar skatt p\u00e5 l\u00f6n eller \u00f6verskott som pensionen b\u00f6rjar ticka ig\u00e5ng.[\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Har du aktiebolag? F\u00f6rs\u00f6k ta ut l\u00f6n upp till brytpunkten f\u00f6r statlig skatt (runt 55 000 kronor per m\u00e5nad 2026). Sm\u00e5barnsf\u00f6r\u00e4lder? Kolla upp taken f\u00f6r f\u00f6r\u00e4ldrapenning (49 333 kronor per m\u00e5nad) och vab (37 000 kronor per m\u00e5nad).<\/p>\n \u2013 Har du enskild firma? D\u00e5 \u00e4r det viktigt att ta ut \u00f6verskott och betala skatt och avgifter \u2013 det \u00e4r den inkomsten som r\u00e4knas f\u00f6r b\u00e5de pension och andra ers\u00e4ttningar.[\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Tj\u00e4nstepensionen kan st\u00e5 f\u00f6r en stor del av din framtida pension, men m\u00e5nga f\u00f6retagare saknar den helt.<\/p>\n \u2013 Ett bra riktm\u00e4rke \u00e4r att spara mellan 6 och 10 procent av din inkomst till tj\u00e4nstepension \u2013 ungef\u00e4r som anst\u00e4llda f\u00e5r via jobbet, tipsar Stefan Westerberg.<\/p>\n Som egenf\u00f6retagare kan du dessutom g\u00f6ra avdrag f\u00f6r pensionssparande p\u00e5 upp till 35 procent av inkomsten (max 592 000 kronor per m\u00e5nad 2026).<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n Visst, utdelning kan k\u00e4nnas lockande om du har aktiebolag \u2013 men t\u00e4nk p\u00e5 att det varken ger pension eller sjukpenning.<\/p>\n \u2013 L\u00f6n \u00e4r alltid b\u00e4st i f\u00f6rsta hand. Utdelning kan vara ett trevligt komplement n\u00e4r det g\u00e5r bra, men det \u00e4r s\u00e4llan n\u00e5got man kan leva p\u00e5 som pension\u00e4r.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” hover_enabled=”0″ locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n Som egenf\u00f6retagare har du inte samma skyddsn\u00e4t som anst\u00e4llda. Blir du sjuk l\u00e4nge kan det bli tufft ekonomiskt.<\/p>\n \u2013 Se \u00f6ver ditt f\u00f6rs\u00e4kringsskydd. M\u00e5nga tj\u00e4nstepensionsl\u00f6sningar inneh\u00e5ller b\u00e5de sjuk- och livf\u00f6rs\u00e4kring, som kan ge ers\u00e4ttning om du inte kan jobba, och trygghet f\u00f6r familjen om n\u00e5got skulle h\u00e4nda dig.[\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n M\u00e5nga t\u00e4nker att de ska s\u00e4lja sitt f\u00f6retag och leva p\u00e5 pengarna som pension\u00e4r. Men det \u00e4r sv\u00e5rt att veta vad bolaget \u00e4r v\u00e4rt i framtiden, eller om det ens g\u00e5r att s\u00e4lja.<\/p>\n \u2013 D\u00e4rf\u00f6r \u00e4r det smart att ha ett eget sparande som \u00e4r \u00f6ronm\u00e4rkt f\u00f6r pensionen.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n N\u00e4r man driver eget kan ekonomin g\u00e5 upp och ner. D\u00e5 \u00e4r det bra om pensionssparandet \u00e4r flexibelt.<\/p>\n \u2013 Vet du inte hur mycket du kommer tj\u00e4na under \u00e5ret? V\u00e4nta med ins\u00e4ttningen tills du har b\u00e4ttre koll p\u00e5 resultatet, r\u00e5der Stefan Westerberg.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||20px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]EXTERN L\u00c4NK: Undvik pensionsf\u00e4llan \u2013 l\u00e4s mer om hur l\u00e5g l\u00f6n kan p\u00e5verka din framtida pension<\/a>[\/et_pb_text][et_pb_text module_class=”benton-txt” _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_text_color=”#000000″ text_font_size=”16px” ul_line_height=”1.4em” header_2_font=”Arial|800|||||||” header_3_font=”|700||on|||||” header_3_letter_spacing=”-1px” module_alignment=”center” custom_margin=”25px||25px||false|false” custom_padding=”0px|16px|0px|16px|false|true” header_2_font_size_tablet=”” header_2_font_size_phone=”23px” header_2_font_size_last_edited=”on|phone” border_color_top=”#dddddd” border_width_left=”4px” border_color_left=”#e4cfcd” locked=”off” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n L\u00e4nsf\u00f6rs\u00e4kringars tj\u00e4nstepensionsl\u00f6sning kan anpassas efter f\u00f6retagets storlek, bransch och behov, oavsett om du driver eget eller leder en st\u00f6rre organisation.<\/p>\n Tj\u00e4nstepensionsavs\u00e4ttning \u00e4r avdragsgillt f\u00f6r f\u00f6retaget<\/p>\n Det h\u00e4r kan ing\u00e5:<\/p>\n
\n<\/a>[\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”||||||||” text_font_size=”18px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”0px||18px||false|false” custom_padding=”0px||0px||false|false” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]T\u00e4nker du att du ska ta tag i pensionen n\u00e4r din inkomst \u00e4r stabilare? N\u00e4r tempot lugnar ner sig lite eller n\u00e4r barnen \u00e4r st\u00f6rre? Problemet \u00e4r att pensionen inte \u00e4r ett projekt man enkelt kan pausa och ta igen senare.<\/p>\nH\u00e4r \u00e4r Stefans b\u00e4sta tips till dig som driver eget:<\/h2>\n
1. Ha koll p\u00e5 vad som bygger din pension<\/h2>\n
2. Ta ut l\u00f6n eller \u00f6verskott<\/h2>\n
3. Gl\u00f6m inte tj\u00e4nstepensionen<\/h2>\n
4. Se utdelning som ett extra tillskott<\/h2>\n
5. Kom ih\u00e5g f\u00f6rs\u00e4kringsskyddet<\/h2>\n
6. Spara privat ocks\u00e5<\/h2>\n
7. Anpassa sparandet n\u00e4r inkomsten varierar<\/h2>\n
Tj\u00e4nstepension \u2013 en f\u00f6rm\u00e5n som g\u00f6r skillnad<\/h3>\n