{"id":20794,"date":"2024-05-20T10:44:28","date_gmt":"2024-05-20T08:44:28","guid":{"rendered":"https:\/\/benefex-dev.local\/sv\/lifeplan-modern-pensionslosning-for-dina-medarbetare\/"},"modified":"2026-03-22T10:50:22","modified_gmt":"2026-03-22T09:50:22","slug":"lifeplan-modern-pensionslosning-for-dina-medarbetare","status":"publish","type":"post","link":"https:\/\/benifex.com\/sv\/lifeplan-modern-pensionslosning-for-dina-medarbetare\/","title":{"rendered":"S\u00e5 erbjuder du medarbetarna en modern pensionsl\u00f6sning"},"content":{"rendered":"

Digitala innovationer har i m\u00e5nga fall gjort v\u00e5ra liv smidigare, tryggare och mer produktiva. Men i pensions- och f\u00f6rs\u00e4kringsbranschen \u00e4r det ont om innovationer n\u00e4r det g\u00e4ller r\u00e5dgivning \u2013 trots att pensionen f\u00f6r m\u00e5nga \u00e4r den enskilt st\u00f6rsta tillg\u00e5ngen. 
<\/span>
Det \u00e4r d\u00e4r Lifeplan kommer in i bilden \u2013 Sveriges st\u00f6rsta digitala r\u00e5dgivare, som erbjuder oberoende r\u00e5dgivning baserad p\u00e5 vetenskap. <\/span>
<\/span><\/h2>\n
\n

Som arbetsgivare utg\u00f6r medarbetarnas pension ca 24 procent av din totala personalkostnad. \u00c4nd\u00e5 halkar pensionen ofta ner ganska m\u00e5nga sn\u00e4pp p\u00e5 agendan, j\u00e4mf\u00f6rt med andra f\u00f6rm\u00e5ner och aspekter av anst\u00e4llningen. Att veta hur man ska g\u00f6ra <\/span>med pensionssparandet kan upplevas som kr\u00e5ngligt, och kanske har man \u00e4ven h\u00f6rt talas om r\u00e5dgivare som s\u00e4ljer dyra och underpresterande fonder \u2013 i utbyte mot att r\u00e5dgivaren sj\u00e4lv f\u00e5r provision eller kickbacks. <\/span><\/p>\n

P\u00e5 Lifeplan har vi valt en helt annan v\u00e4g. V\u00e5r aff\u00e4rsid\u00e9 \u00e4r ist\u00e4llet att tillhandah\u00e5lla tydlig, l\u00e4ttanv\u00e4nd, digital pensionsr\u00e5dgivning, fri fr\u00e5n dolda incitament.<\/span><\/p>\n

<\/p>\n

 <\/p>\n

<\/span><\/span>Sm\u00e5 skillnader ger enorm effekt <\/span>
<\/span><\/h3>\n

F\u00f6r att illustrera v\u00e5r filosofi kan vi b\u00f6rja med ett r\u00e4kneexempel. Ponera att en medarbetare \u00e4r 35 \u00e5r gammal och har 35 000 kr i bruttol\u00f6n. Hen blir erbjuden att antingen f\u00e5 den m\u00e5natliga avs\u00e4ttningen till tj\u00e4nstepensionen h\u00f6jd med 20 procent, eller att den \u00e5rliga avkastningen p\u00e5 tj\u00e4nstepensionsportf\u00f6ljen \u00f6kade med 2 procent. Vilket alternativ tror du vore mest l\u00f6nsamt p\u00e5 30 \u00e5rs sikt? <\/span><\/p>\n

Om du \u00e4r bekant med begreppet \u201dr\u00e4nta p\u00e5 r\u00e4nta\u201d blir du kanske inte \u00f6verraskad n\u00e4r vi ber\u00e4ttar att den h\u00f6jda avkastningen skulle generera hela 2,3 miljoner kr extra. Om medarbetaren ist\u00e4llet hade valt att h\u00f6ja den m\u00e5natliga avs\u00e4ttningen med 20 procent, skulle det bara generera 500 000 kr extra. (F\u00f6r att komma upp i 2,3 miljoner bara genom att h\u00f6ja avs\u00e4ttningen skulle den faktiskt beh\u00f6va dubbleras!) <\/span><\/p>\n

\"Modern_pensionsl\u00f6sning_1\"<\/span><\/p>\n

1\u20132 procent h\u00f6gre \u00e5rlig avkastning<\/span>
<\/span><\/h3>\n

Med andra ord siktar Lifeplan p\u00e5 att maximera den riskjusterade avkastningen, vilket givetvis \u00e4ven inneb\u00e4r att h\u00e5lla fondkostnaderna nere. V\u00e5r r\u00e5dgivningstj\u00e4nst sammanst\u00e4ller och ger r\u00e5d om allt pensionskapital, det vill s\u00e4ga nuvarande och tidigare tj\u00e4nstepension, allm\u00e4n pension och privat pension. Varje medarbetare f\u00e5r en skr\u00e4ddarsydd riskprofil, som regleras av parametrar som \u00e5lder, utbildningsniv\u00e5, existerande pensionssparande och personlig riskpreferens. <\/span><\/p>\n

Med denna profil som utg\u00e5ngspunkt levererar v\u00e5ra avancerade algoritmer individuellt anpassade fondr\u00e5d, som optimerar risken \u00f6ver tid, samt undviker b\u00e5de investeringsmisstag och dyra fondavgifter. Som tidigare n\u00e4mnt s\u00e5 \u00e4r Lifeplan helt oberoende \u2013 vi kommer aldrig tj\u00e4na p\u00e5 att n\u00e5gon v\u00e4ljer en viss fond f\u00f6re en annan. <\/span><\/p>\n

Tack vare allt detta kan Lifeplan i snitt leverera hela 1\u20132 procent h\u00f6gre \u00e5rlig f\u00f6rv\u00e4ntad avkastning (enligt v\u00e5rt estimat, j\u00e4mf\u00f6rt med den genomsnittliga svenskens pensionssparande utan Lifeplan). Och det \u00e4r ocks\u00e5 d\u00e4rf\u00f6r som \u00f6ver 1000 arbetsgivare valt att erbjuda sina medarbetare \u2013 sammanlagt 500 000 personer \u2013 pensionsr\u00e5dgivning via Lifeplan. <\/span>
<\/span><\/p>\n

\n

Vill du ocks\u00e5 uppt\u00e4cka vad Europas st\u00f6rsta digitala tj\u00e4nst f\u00f6r pensionsr\u00e5dgivning kan g\u00f6ra f\u00f6r dina medarbetare? Skicka en intresseanm\u00e4lan s\u00e5 \u00e5terkommer en av v\u00e5ra experter f\u00f6r att ber\u00e4tta mer.<\/span><\/span><\/h4>\n

{{cta(‘5ef6de3a-ae11-4def-9a1b-0832159e3a41′,’justifycenter’)}}<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Digitala innovationer har i m\u00e5nga fall gjort v\u00e5ra liv smidigare, tryggare och mer produktiva. Men i pensions- och f\u00f6rs\u00e4kringsbranschen \u00e4r det ont om innovationer n\u00e4r det g\u00e4ller r\u00e5dgivning \u2013 trots att pensionen f\u00f6r m\u00e5nga \u00e4r den enskilt st\u00f6rsta tillg\u00e5ngen. Det \u00e4r d\u00e4r Lifeplan kommer in i bilden \u2013 Sveriges st\u00f6rsta digitala r\u00e5dgivare, som erbjuder oberoende r\u00e5dgivning […]<\/p>\n","protected":false},"author":0,"featured_media":20795,"comment_status":"closed","ping_status":"open","sticky":false,"template":"tpl.news-post.php","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[785,787],"tags":[789,791],"class_list":["post-20794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifeplan","category-pension","tag-lifeplan","tag-pension"],"acf":[],"yoast_head":"\nS\u00e5 erbjuder du medarbetarna en modern pensionsl\u00f6sning<\/title>\n<meta name=\"description\" content=\"Sveriges st\u00f6rsta digitala 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