{"id":315,"date":"2026-02-27T15:39:17","date_gmt":"2026-02-27T14:39:17","guid":{"rendered":"https:\/\/kampanj.di.se\/lansforsakringar\/?p=315"},"modified":"2026-02-27T15:52:46","modified_gmt":"2026-02-27T14:52:46","slug":"pension-for-foretagare-med-anstallda-sa-skapar-du-varde-for-bade-dig-och-dina-medarbetare","status":"publish","type":"post","link":"https:\/\/kampanj.di.se\/lansforsakringar\/pension-for-foretagare-med-anstallda-sa-skapar-du-varde-for-bade-dig-och-dina-medarbetare\/","title":{"rendered":"Pension f\u00f6r f\u00f6retagare med anst\u00e4llda \u2013 s\u00e5 skapar du v\u00e4rde f\u00f6r b\u00e5de dig och dina medarbetare"},"content":{"rendered":"

[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=”28px” 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

Pension f\u00f6r f\u00f6retagare med anst\u00e4llda \u2013 s\u00e5 skapar du v\u00e4rde f\u00f6r b\u00e5de dig och dina medarbetare<\/h1>\n

[\/et_pb_text][et_pb_image src=”https:\/\/kampanj.di.se\/lansforsakringar\/wp-content\/uploads\/2026\/02\/lf-pension-for-foretagare-med-anstallda-sa-skapar-du-varde-for-bade-dig-och-dina-medarbetare.jpg” title_text=”lf-pension-for-foretagare-med-anstallda-sa-skapar-du-varde-for-bade-dig-och-dina-medarbetare” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”0px||25px||false|false” custom_padding=”0px||0px||true|false” animation_style=”fade” global_colors_info=”{}” theme_builder_area=”post_content”][\/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”]Allt fler ser tj\u00e4nstepensionen som en sj\u00e4lvklar del av anst\u00e4llningsvillkoren. F\u00f6r f\u00f6retag med anst\u00e4llda kan den d\u00e4rf\u00f6r bli avg\u00f6rande i kampen om kompetens. H\u00e4r \u00e4r expertens r\u00e5d om hur du b\u00f6r t\u00e4nka.[\/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″] EXTERN L\u00c4NK: Pension f\u00f6r f\u00f6retagare med anst\u00e4llda \u2013 s\u00e5 skapar du v\u00e4rde f\u00f6r b\u00e5de dig och dina medarbetare <\/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” hover_enabled=”0″ locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

Tj\u00e4nstepensionen st\u00e5r f\u00f6r mellan 10 och 50 procent av den totala pensionen. Den \u00e4r med andra ord inte l\u00e4ngre ett till\u00e4gg, utan en viktig del av den framtida inkomsten n\u00e4r vi blir pension\u00e4rer. I dag har ungef\u00e4r nio av tio anst\u00e4llda i Sverige tj\u00e4nstepension via sin arbetsgivare.<\/p>\n

\u2013 De flesta f\u00f6ruts\u00e4tter att den finns, \u00e4ven i mindre f\u00f6retag. Om ditt f\u00f6retag saknar tj\u00e4nstepension riskerar du d\u00e4rf\u00f6r att framst\u00e5 som mindre attraktiv j\u00e4mf\u00f6rt med andra i samma bransch, s\u00e4ger Stefan Westerberg, privatekonom p\u00e5 L\u00e4nsf\u00f6rs\u00e4kringar, och till\u00e4gger:<\/p>\n

\u2013 F\u00f6r den som inte f\u00e5r tj\u00e4nstepension kan det vara en god id\u00e9 att \u00f6verv\u00e4ga att byta jobb.<\/p>\n

[\/et_pb_text][et_pb_image src=”https:\/\/kampanj.di.se\/lansforsakringar\/wp-content\/uploads\/2026\/02\/lf-pension-for-foretagare-med-anstallda-sa-skapar-du-varde-for-bade-dig-och-dina-medarbetare-2.jpg” title_text=”lf-pension-for-foretagare-med-anstallda-sa-skapar-du-varde-for-bade-dig-och-dina-medarbetare-2″ _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” hover_enabled=”0″ locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

Hur mycket ska s\u00e4ttas av till pension?<\/h2>\n

F\u00f6r m\u00e5nga f\u00f6retagare v\u00e4cker tj\u00e4nstepensionen fr\u00e5gor om kostnad. Inbetalningarna \u00e4r dock avdragsgilla f\u00f6r f\u00f6retaget, vilket g\u00f6r den till ett skatteeffektivt s\u00e4tt att st\u00e4rka de anst\u00e4lldas l\u00f6ner och f\u00f6rm\u00e5ner. Hur mycket b\u00f6r du d\u00e5 s\u00e4tta av? En rimlig utg\u00e5ngspunkt \u00e4r att spegla de niv\u00e5er som g\u00e4ller f\u00f6r anst\u00e4llda med kollektivavtal.<\/p>\n

\u2013 Generellt ligger avs\u00e4ttningarna runt 6 procent av bruttol\u00f6nen upp till taket f\u00f6r allm\u00e4n pension, som motsvarar cirka 7,5 inkomstbasbelopp, det vill s\u00e4ga en \u00e5rsl\u00f6n p\u00e5 625 500 kronor \u00e5r 2026. P\u00e5 l\u00f6n \u00f6ver den niv\u00e5n \u00e4r avs\u00e4ttningarna betydligt h\u00f6gre, ofta runt 30 procent, f\u00f6rklarar Stefan Westerberg.<\/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-pensionsfallan-for-smaforetagare-sa-undviker-du-att-en-lag-lon-ger-lag-pension-stefan” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”0px||25px||false|false” custom_padding=”0px||0px||true|false” animation_style=”fade” global_colors_info=”{}” theme_builder_area=”post_content”][\/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” hover_enabled=”0″ locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

Gl\u00f6m inte bort dig sj\u00e4lv<\/h2>\n

Du f\u00e5r inte gl\u00f6mma bort att \u00e4ven du \u00e4r anst\u00e4lld i ditt eget bolag.<\/p>\n

\u2013 Det \u00e4r vanligt att t\u00e4nka att f\u00f6retaget i sig ska bli pensionen \u2013 men det \u00e4r ingen garanti. F\u00f6retag kan g\u00e5 s\u00e4mre i perioder eller tappa i v\u00e4rde, s\u00e4ger Stefan Westerberg och till\u00e4gger:<\/p>\n

\u2013 Din pension beh\u00f6ver byggas upp l\u00f6pande, precis som f\u00f6r dina anst\u00e4llda.<\/p>\n

Han betonar att tj\u00e4nstepensionen inte bara \u00e4r ett sparande.<\/p>\n

\u2013 Den inneh\u00e5ller ofta ett antal skydd som premiebefrielse, sjukf\u00f6rs\u00e4kring och efterlevandeskydd. Det betyder att du kan f\u00e5 din premie inbetald av f\u00f6rs\u00e4kringsbolaget och ers\u00e4ttning vid l\u00e5ngvarig sjukdom. Din familj kan ocks\u00e5 f\u00e5 ekonomiskt st\u00f6d om du skulle g\u00e5 bort.<\/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” hover_enabled=”0″ locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]EXTERN L\u00c4NK: Pension f\u00f6r f\u00f6retagare med anst\u00e4llda \u2013 s\u00e5 skapar du v\u00e4rde f\u00f6r b\u00e5de dig och dina medarbetare <\/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

Tj\u00e4nstepension \u2013 en f\u00f6rm\u00e5n som g\u00f6r skillnad<\/h3>\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