[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=”36px” 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=”35px” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” 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-fem-vanliga-missforstand-om-pension-for-egenforetagare\u2013och-hur-du-undviker-dem.jpg” title_text=”lf-fem-vanliga-missforstand-om-pension-for-egenforetagare\u2013och-hur-du-undviker-dem” _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”]<\/p>\n
Pensionen kan k\u00e4nnas sn\u00e5rig f\u00f6r den som driver eget. Men ofta \u00e4r den enklare att f\u00e5 grepp om \u00e4n man tror. H\u00e4r reder Stefan Westerberg, privatekonom p\u00e5 L\u00e4nsf\u00f6rs\u00e4kringar, ut n\u00e5gra vanliga missuppfattningar.<\/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”]EXTERN L\u00c4NK: Vill du undvika de vanligaste pensionsf\u00e4llorna som egenf\u00f6retagare? L\u00e4s mer h\u00e4r<\/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”]<\/p>\n Ett av de vanligaste misstagen som f\u00f6retagare g\u00f6r \u00e4r att t\u00e4nka att pensionen kan v\u00e4nta.<\/p>\n \u2013 Man skjuter det p\u00e5 framtiden, men r\u00e4nta-p\u00e5-r\u00e4nta-effekten \u00e4r s\u00e5 stark att det \u00e4r sv\u00e5rt att ta igen de \u00e5r d\u00e5 man inte sparat till pensionen, s\u00e4ger Stefan Westerberg.<\/p>\n Han betonar att det inte beh\u00f6ver handla om stora summor fr\u00e5n b\u00f6rjan. [\/et_pb_text][et_pb_image src=”https:\/\/kampanj.di.se\/lansforsakringar\/wp-content\/uploads\/2026\/02\/lf-fem-vanliga-missforstand-om-pension-for-egenforetagare\u2013och-hur-du-undviker-dem-2.jpg” title_text=”lf-fem-vanliga-missforstand-om-pension-for-egenforetagare\u2013och-hur-du-undviker-dem-2″ _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”25px||25px||true|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” locked=”off” inline_fonts=”Arial” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n T\u00e4nker du att du ska s\u00e4lja ditt bolag n\u00e4r du g\u00e5r i pension och leva p\u00e5 vinsten? Det kan fungera, men det \u00e4r ocks\u00e5 ett ganska os\u00e4kert kort.<\/p>\n \u2013 Ingen vet hur l\u00e4get kommer se ut om trettio \u00e5r eller vad ditt bolag kommer att vara v\u00e4rt. Det \u00e4r d\u00e4rf\u00f6r du b\u00f6r ha b\u00e5de en tj\u00e4nstepension och ett privat sparande samt se till att du tar ut en sk\u00e4lig l\u00f6n.<\/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 Om du har ett aktiebolag kan det k\u00e4nnas lockande att ta ut utdelning i st\u00e4llet f\u00f6r l\u00f6n. Detta eftersom skatten i m\u00e5nga fall blir l\u00e4gre d\u00e5.<\/p>\n \u2013 Man ska vara medveten om att utdelning inte \u00e4r pensionsgrundande. Den allm\u00e4nna pensionen baseras p\u00e5 din l\u00f6n.[\/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 f\u00f6retagare t\u00e4nker att ett privat sparande r\u00e4cker som pensionsl\u00f6sning. Kanske f\u00f6r att det k\u00e4nns mer flexibelt och att pengarna \u00e4r l\u00e4tta att komma \u00e5t om n\u00e5got ov\u00e4ntat h\u00e4nder, till exempel om du skulle bli sjuk under en l\u00e4ngre period. Men ett privat sparande och tj\u00e4nstepension \u00e4r inte samma sak, och de fyller olika funktioner.<\/p>\n \u2013 Tj\u00e4nstepensionen inneh\u00e5ller vanligtvis flera skydd, exempelvis premiebefrielse, sjukf\u00f6rs\u00e4kring och efterlevandeskydd. Det inneb\u00e4r att du kan f\u00e5 ers\u00e4ttning om du blir sjuk, och att din familj f\u00e5r ett ekonomiskt skydd om du g\u00e5r bort.[\/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 F\u00f6r den som driver eget f\u00f6r\u00e4ndras ofta b\u00e5de l\u00f6n och resultat fr\u00e5n \u00e5r till \u00e5r. D\u00e4rf\u00f6r \u00e4r det klokt att se \u00f6ver pensionen n\u00e4r man \u00e4nd\u00e5 g\u00f6r bokslut eller g\u00e5r igenom f\u00f6retagets siffror.<\/p>\n \u2013 En g\u00e5ng om \u00e5ret \u00e4r rimligt. Du kan anv\u00e4nda minpension.se f\u00f6r att f\u00e5 en helhetsbild och g\u00f6ra prognoser.<\/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: Vill du undvika de vanligaste pensionsf\u00e4llorna som egenf\u00f6retagare? L\u00e4s mer h\u00e4r<\/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>\n1. \u201cDet l\u00f6ser sig sen\u201d<\/h2>\n
\u2013 Det viktiga \u00e4r att komma ig\u00e5ng. B\u00f6rjar man tidigt med att s\u00e4tta av lite pengar varje m\u00e5nad kan det g\u00f6ra stor skillnad p\u00e5 sikt.<\/p>\n2. \u201dF\u00f6retaget \u00e4r min pension\u201d<\/h2>\n
3. \u201dUtdelning \u00e4r alltid b\u00e4ttre \u00e4n l\u00f6n\u201d<\/h2>\n
4. \u201dDet r\u00e4cker att spara privat\u201d<\/h2>\n
5. \u201dDet \u00e4r ingen id\u00e9 att se \u00f6ver pensionen \u2013 det \u00e4r som det \u00e4r\u201d<\/h2>\n
Tj\u00e4nstepension \u2013 en f\u00f6rm\u00e5n som g\u00f6r skillnad<\/h3>\n