{"id":8771,"date":"2021-07-13T06:12:01","date_gmt":"2021-07-13T06:12:01","guid":{"rendered":"https:\/\/coolcompany.com\/se\/?p=8771"},"modified":"2025-11-18T12:13:53","modified_gmt":"2025-11-18T12:13:53","slug":"pension-for-egenforetagare","status":"publish","type":"post","link":"https:\/\/coolcompany.com\/se\/karriar\/pension-for-egenforetagare\/","title":{"rendered":"Pension f\u00f6r egenf\u00f6retagare"},"content":{"rendered":"\n
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Pension f\u00f6r egenf\u00f6retagare<\/h1>\n\n\n\n

Hur fungerar det med pension n\u00e4r man \u00e4r egenf\u00f6retagare och vad g\u00e4ller n\u00e4r man \u00e4r egenanst\u00e4lld? Vi g\u00e5r igenom vad som g\u00e4ller f\u00f6r dig som \u00e4r egenanst\u00e4lld men ocks\u00e5 hur det fungerar som egenf\u00f6retagare.<\/p>\n\n\n\n

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F\u00e5r man pension som egenf\u00f6retagare?<\/h2>\n\n\n\n

N\u00e4r man \u00e4r egenf\u00f6retagare f\u00e5r man allm\u00e4n pension. D\u00e4rf\u00f6r \u00e4r det viktigt att du betalar in dina skatter och avgifter korrekt, din inkomst \u00e4r precis som f\u00f6r anst\u00e4llda pensionsgrundande. Som egenf\u00f6retagare betalar du in dina egenavgifter sj\u00e4lv, och du m\u00e5ste \u00e4ven betala allm\u00e4n pensionsavgift. Den allm\u00e4nna pensionsavgiften f\u00e5r du d\u00e4remot tillgodor\u00e4kna dig s\u00e5 l\u00e4nge du betalar skatt p\u00e5 din l\u00f6n och ditt \u00f6verskott. Dessa avgifter ser till att du f\u00e5r allm\u00e4n pension. \u00c4r du egenanst\u00e4lld via ett egenanst\u00e4llningsf\u00f6retag \u00e4r det de som betalar dessa skatter och avgifter \u00e5t dig.<\/p>\n\n\n\n

Om man \u00e4r anst\u00e4lld f\u00e5r man i regel tj\u00e4nstepension av sin arbetsgivare, men hur blir det n\u00e4r man \u00e4r egenf\u00f6retagare? Som egenf\u00f6retagare f\u00e5r du inte tj\u00e4nstepension automatiskt. Det \u00e4r du ist\u00e4llet du sj\u00e4lv som ansvarar f\u00f6r att s\u00e4tta undan en del av din l\u00f6n eller ditt \u00f6verskott till tj\u00e4nstepension. Pensionsmyndigheten rekommenderar att i regel s\u00e4tta undan 4,5 procent av din l\u00f6n. Det motsvarar ungef\u00e4r vad den genomsnittliga arbetsgivaren med kollektivavtal tillhandah\u00e5ller sina anst\u00e4llda i tj\u00e4nstepension. Det kan k\u00e4nnas tr\u00e5kigt att ta pengar och s\u00e4tta undan till pensionen, men det \u00e4r viktigt att t\u00e4nka p\u00e5 framtiden och livet efter arbetslivet.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n

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Hur fungerar tj\u00e4nstepension som egenanst\u00e4lld?<\/h2>\n\n\n\n

Hos egenanst\u00e4llningsf\u00f6retag kan det fungera ganska olika med tj\u00e4nstepension beroende p\u00e5 om f\u00f6retaget har kollektivavtal eller ej. Vid kollektivavtal avs\u00e4tts automatiskt en viss procent av ditt arvode till din tj\u00e4nstepension. Hos f\u00f6retag utan kollektivavtal rekommenderas du att sj\u00e4lv avs\u00e4tta 4,5 procent av din inkomst till pensionssparande. Vissa egenanst\u00e4llningsf\u00f6retag<\/a> erbjuder att pensionsspara genom dem, se \u00f6ver dina m\u00f6jligheter hos det f\u00f6retag du \u00e4r egenanst\u00e4lld hos. D\u00e4remot beh\u00f6ver du inte ha koll p\u00e5 att betala in dina sociala avgifter eller andra kr\u00e5ngliga avgifter, det sk\u00f6ter egenanst\u00e4llningsf\u00f6retaget du anv\u00e4nder dig av.<\/p>\n\n\n\n

Du kan l\u00e4sa mer om vad Pensionsmyndigheten s\u00e4ger om pensionssparande och egenanst\u00e4llning h\u00e4r<\/a><\/p>\n<\/div>\n\n\n\n

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H\u00e5llbar tj\u00e4nstepension hos Cool Company<\/h2>\n\n\n\n

Cool Company erbjuder alla anv\u00e4ndare att avs\u00e4tt till tj\u00e4nstepension, och g\u00f6r automatiskt att 4,5 procent av ditt intj\u00e4nade arvode till tj\u00e4nstepension \u00e5t dig. Dock kan du sj\u00e4lv v\u00e4lja att justera procenten eller avst\u00e5 helt, det \u00e4r ditt val.

Tj\u00e4nstepension \u00e4r generellt bra att ha i \u00e5tanke n\u00e4r du s\u00e4tter ditt pris mot din kund. Vi ser det som en viktig del i ett h\u00e5llbart liv. Och p\u00e5 tal om h\u00e5llbarhet ser vi till att dina pengar f\u00f6rvaltas tryggt i en h\u00e5llbar fond som b\u00e5de arbetar f\u00f6r dig och f\u00f6r en mer h\u00e5llbar v\u00e4rld.<\/p>\n\n\n\n

Vi p\u00e5 Cool Company tycker att h\u00e5llbarhet \u00e4r v\u00e4ldigt viktigt, och vi jobbar med h\u00e5llbarhet i tre steg. Gr\u00f6n h\u00e5llbarhet, social h\u00e5llbarhet och \u00e4ven personlig h\u00e5llbarhet d\u00e4r pensionssparandet ing\u00e5r. L\u00e4s mer om hur vi arbetar med h\u00e5llbarhet.<\/p>\n\n\n\n

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L\u00e4s mer h\u00e4r\"\"<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n
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Kom ig\u00e5ng med Cool Company<\/h2>\n\n\n\n

\u00c4r du redo att skapa ditt konto och s\u00e4tta ig\u00e5ng med frilanslivet? Det tar bara n\u00e5gon minut att skapa konto och d\u00e4refter \u00e4r det helt upp till dig n\u00e4r du vill s\u00e4tta ig\u00e5ng att fakturera.<\/p>\n\n\n\n

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Skapa konto<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"

Hur fungerar det med pension n\u00e4r man \u00e4r egenf\u00f6retagare eller egenanst\u00e4lld? Vi g\u00e5r igenom hur de fungerar med tj\u00e4nstepension n\u00e4r du driver ditt eget f\u00f6retag!<\/p>\n","protected":false},"author":1,"featured_media":6025,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[],"class_list":["post-8771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-karriar"],"yoast_head":"\nPension f\u00f6r egenf\u00f6retagare - Cool Company<\/title>\n<meta name=\"description\" content=\"Hur fungerar det med pension n\u00e4r man \u00e4r egenf\u00f6retagare eller egenanst\u00e4lld? 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