Do you want to change your voluntary contribution?

Log on to My PFA to adjust your voluntary payments and see how your Pension Estimate changes.

 
What to do at My PFA

Adjust your voluntary payments by dragging the circle above “Voluntary payments”.
Afterwards, you can approve the change or place it in Orders if you have other matters to look at in your plan.

Public old-age retirement age will be raised

Arv og testamente

The public old-age retirement age will be raised,
which means that if you want to maintain a certain retirement age, you need to save up more on your own.
With a savings plan of your own, you allow yourself more freedom and flexibility to choose how and when to retire

Longer life expectancy

Forsikring

We live longer, therefore, you need more pension savings.

The compound interest effect

Produktivitet

By making extra payments to savings already now, the compound interest effect will be great.

Tax deductions in the top-bracket tax

Afkast

Potential tax deductions in the top-bracket tax and pension payouts only subject to bottom-bracket tax.
You can transfer your spouse’s personal allowance and exploit this in the top-bracket tax for extra pension payments

Lower taxation of return

By making extra pension payments, you can profit from the low pension yield.
The pension yield tax is only 15.30 per cent whereas the yield tax on equities and bonds is approximately twice as high.

Pension savings protected from creditors

Gå på pension

Pension savings are protected from creditors.
If the dependants are to receive the savings in the event of death, the creditors cannot make objections/claims.