{"id":333,"date":"2026-02-27T16:20:56","date_gmt":"2026-02-27T15:20:56","guid":{"rendered":"https:\/\/kampanj.di.se\/lansforsakringar\/?p=333"},"modified":"2026-02-27T16:36:14","modified_gmt":"2026-02-27T15:36:14","slug":"checklista-det-har-behover-du-ha-koll-pa-for-att-sakra-din-pension-som-foretagare","status":"publish","type":"post","link":"https:\/\/kampanj.di.se\/lansforsakringar\/checklista-det-har-behover-du-ha-koll-pa-for-att-sakra-din-pension-som-foretagare\/","title":{"rendered":"Checklista: Det h\u00e4r beh\u00f6ver du ha koll p\u00e5 f\u00f6r att s\u00e4kra din pension som f\u00f6retagare"},"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=”et_body_layout”][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=”et_body_layout”][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=”et_body_layout”][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=”34px” header_letter_spacing=”-1px” width=”100%” max_width=”620px” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”||18px||false|false” hover_enabled=”0″ text_font_size_tablet=”22px” text_font_size_phone=”19px” text_font_size_last_edited=”on|tablet” header_font_size_tablet=”35px” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]<\/p>\n

Checklista: Det h\u00e4r beh\u00f6ver du ha koll p\u00e5 f\u00f6r att s\u00e4kra din pension som f\u00f6retagare<\/h1>\n

[\/et_pb_text][et_pb_image src=”https:\/\/kampanj.di.se\/lansforsakringar\/wp-content\/uploads\/2026\/02\/checklista-det-har-behover-du-ha-koll-pa-for-att-sakra-din-pension-som-foretagare.jpg” title_text=”checklista-det-har-behover-du-ha-koll-pa-for-att-sakra-din-pension-som-foretagare” _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=”et_body_layout” 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” hover_enabled=”0″ text_font_size_tablet=”22px” text_font_size_phone=”19px” text_font_size_last_edited=”on|phone” global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]Hur kan du f\u00e5 en bra pension som egenf\u00f6retagare? Vi fr\u00e5gade Stefan Westerberg, privatekonom p\u00e5 L\u00e4nsf\u00f6rs\u00e4kringar.[\/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=”et_body_layout” sticky_enabled=”0″]EXTERN L\u00c4NK: F\u00e5 fler tips om hur du maxar pensionen som f\u00f6retagare hos L\u00e4nsf\u00f6rs\u00e4kringar<\/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=”et_body_layout” sticky_enabled=”0″]<\/p>\n

1. Se till att din inkomst \u00e4r pensionsgrundande<\/h2>\n

Hur du tar ut pengar i ditt f\u00f6retag avg\u00f6r hur mycket du tj\u00e4nar in till den allm\u00e4nna pensionen. I en enskild firma bygger pensionen p\u00e5 \u00f6verskottet. I ett aktiebolag baseras den p\u00e5 l\u00f6nen.<\/p>\n

\u2013 Tar du ut lite i l\u00f6n eller pressar ner \u00f6verskottet \u00e5r efter \u00e5r blir pensionen l\u00e5g. Den byggs upp successivt \u00f6ver tid, s\u00e4ger 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||18px||false|false” custom_padding=”0px||0px||false|false” hover_enabled=”0″ locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]<\/p>\n

2. S\u00e4tt av till tj\u00e4nstepensionen<\/h2>\n

Tj\u00e4nstepensionen st\u00e5r f\u00f6r en stor del av den totala pensionen, ibland upp till h\u00e4lften. \u00c4nd\u00e5 saknar m\u00e5nga f\u00f6retagare den helt.<\/p>\n

\u2013 Att s\u00e4tta av pengar till sin tj\u00e4nstepension handlar inte bara om sparande, utan den inneh\u00e5ller ocks\u00e5 ofta f\u00f6rs\u00e4kringsskydd som kan ge ers\u00e4ttning om du blir sjuk eller ekonomiskt st\u00f6d till din familj om n\u00e5got h\u00e4nder.<\/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=”et_body_layout” sticky_enabled=”0″]<\/p>\n

3. Spegla niv\u00e5erna som anst\u00e4llda har<\/h2>\n

S\u00e4tt av ungef\u00e4r lika mycket till tj\u00e4nstepensionen som en arbetsgivare normalt g\u00f6r f\u00f6r en anst\u00e4lld. Generellt ligger avs\u00e4ttningarna p\u00e5 runt 6 procent av l\u00f6nen upp till taket f\u00f6r allm\u00e4n pension, cirka 7,5 inkomstbasbelopp, vilket motsvarar 625 500 kronor \u00e5r 2026.<\/p>\n

\u2013 P\u00e5 l\u00f6nedelar \u00f6ver den niv\u00e5n b\u00f6r avs\u00e4ttningarna vara minst 30 procent och upp\u00e5t. Det beror p\u00e5 att den delen av l\u00f6nen inte ger mer allm\u00e4n pension och d\u00e4rf\u00f6r beh\u00f6ver kompenseras med tj\u00e4nstepension, f\u00f6rklarar Stefan Westerberg.<\/p>\n

[\/et_pb_text][et_pb_image src=”https:\/\/kampanj.di.se\/lansforsakringar\/wp-content\/uploads\/2026\/02\/checklista-det-har-behover-du-ha-koll-pa-for-att-sakra-din-pension-som-foretagare-2.jpg” title_text=”checklista-det-har-behover-du-ha-koll-pa-for-att-sakra-din-pension-som-foretagare-2″ _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”25px||25px||true|false” custom_padding=”0px||0px||true|false” animation_style=”fade” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” 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=”et_body_layout” sticky_enabled=”0″]<\/p>\n

4. Komplettera med privat sparande<\/h2>\n

Hur mycket du b\u00f6r spara privat beror p\u00e5 din ekonomi, men ett riktm\u00e4rke \u00e4r att f\u00f6rs\u00f6ka l\u00e4gga undan omkring 10 procent av inkomsten. Det viktigaste \u00e4r dock att sparandet sker regelbundet och helst automatiskt.<\/p>\n

\u2013 Sparande handlar alltid om risk i f\u00f6rh\u00e5llande till tid. Om du har en l\u00e5ng sparhorisont kan du ta h\u00f6gre risk, men n\u00e4r uttaget n\u00e4rmar sig beh\u00f6ver ditt sparande bli mer stabilt.<\/p>\n

R\u00e4kneexempel:<\/i>
\nSparar du 3 000 kronor i m\u00e5naden i 30 \u00e5r med en genomsnittlig avkastning p\u00e5 5 procent kan kapitalet v\u00e4xa till cirka 2,4 miljoner kronor. \u00d6kar du sparandet till 5 000 kronor i m\u00e5naden blir slutbeloppet runt 4 miljoner kronor. Skillnaden beror till stor del p\u00e5 r\u00e4nta-p\u00e5-r\u00e4nta-effekten.
\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=”et_body_layout” sticky_enabled=”0″]<\/p>\n

5. Skaffa en buffert f\u00f6rst<\/h2>\n

Ett l\u00e5ngsiktigt sparande fungerar b\u00e4st om du inte beh\u00f6ver r\u00f6ra pengarna. D\u00e4rf\u00f6r beh\u00f6ver du bygga upp en buffert innan du satsar p\u00e5 ett pensionssparande. Hur stor buffert du beh\u00f6ver beror p\u00e5 hur stabil din inkomst \u00e4r.<\/p>\n

\u2013 Som f\u00f6retagare \u00e4r det klokt att ha minst tre m\u00e5naders levnadskostnader sparade \u2013 och helst mer om dina inkomster varierar.<\/p>\n

[\/et_pb_text][et_pb_image src=”https:\/\/kampanj.di.se\/lansforsakringar\/wp-content\/uploads\/2026\/02\/checklista-det-har-behover-du-ha-koll-pa-for-att-sakra-din-pension-som-foretagare-3.jpg” title_text=”checklista-det-har-behover-du-ha-koll-pa-for-att-sakra-din-pension-som-foretagare-3″ _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”25px||25px||true|false” custom_padding=”0px||0px||true|false” animation_style=”fade” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”et_body_layout” 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=”et_body_layout” sticky_enabled=”0″]<\/p>\n

6. Se \u00f6ver pensionen minst en g\u00e5ng per \u00e5r<\/h2>\n

Ett bra tillf\u00e4lle att f\u00e5 koll p\u00e5 din pension \u00e4r n\u00e4r du \u00e4nd\u00e5 g\u00e5r igenom f\u00f6retagets ekonomi och tittar p\u00e5 resultat, l\u00f6n och \u00f6verskott.<\/p>\n

\u2013 Logga g\u00e4rna in p\u00e5 minpension.se en g\u00e5ng per \u00e5r och se hur prognosen ser ut. D\u00e4r kan du testa olika scenarier och f\u00e5 en bild av hur din pension p\u00e5verkas av om du till exempel f\u00f6rl\u00e4nger ditt arbetsliv med n\u00e5gra \u00e5r eller om din inkomst \u00e4ndras, s\u00e4ger 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” hover_enabled=”0″ locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”et_body_layout” sticky_enabled=”0″]EXTERN L\u00c4NK: L\u00e4s mer om pensionssparande f\u00f6r dig med enskild firma hos L\u00e4nsf\u00f6rs\u00e4kringar<\/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=”et_body_layout”]<\/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