{"id":1105,"date":"2021-11-15T17:33:15","date_gmt":"2021-11-15T17:33:15","guid":{"rendered":"https:\/\/ekonomisnack.se\/?p=1105"},"modified":"2023-05-29T05:24:39","modified_gmt":"2023-05-29T05:24:39","slug":"ppm-allt-du-behover-veta","status":"publish","type":"post","link":"https:\/\/ekonomisnack.se\/ppm-allt-du-behover-veta\/","title":{"rendered":"PPM – Allt du beh\u00f6ver veta"},"content":{"rendered":"\n

Vad \u00e4r PPM?<\/h2>\n\n\n\n

PPM \u00e4r en f\u00f6rkortning f\u00f6r Premiepensionsmyndigheten, eller Premiepensionen som man s\u00e4ger i dagligt tal, \u00e4r den del av den allm\u00e4nna pensionen som du sj\u00e4lv kan best\u00e4mma hur dina pengar ska placeras.<\/p>\n\n\n\n

Allm\u00e4n pension best\u00e5r av inkomstpension och premiepension. Du som arbetar i Sverige och har en inkomst f\u00e5r avs\u00e4ttning till pensionen automatiskt som baseras p\u00e5 hur mycket du har tj\u00e4nat. En del g\u00e5r till den allm\u00e4nna pensionen <\/em>som staten ansvarar f\u00f6r att placera. Den andra delen g\u00e5r till premiepensionen<\/em>. 2,5 procent av den pensionsgrundade inkomsten och andra skattepliktiga ers\u00e4ttningar avs\u00e4tts till PPM. Den h\u00e4r delen kan du sj\u00e4lv best\u00e4mma vilka fonder du vill investera i. G\u00f6r du inget aktivt val placeras fonderna o fonden AP7, \u00e4ven kallad S\u00e5fa. Genom att g\u00f6ra ett aktivt val kan du p\u00e5verka vilken risk du kan t\u00e4nka dig, och d\u00e4rmed m\u00f6jlighet till avkastning.<\/p>\n\n\n\n

PPM fonder<\/h2>\n\n\n\n

Genom att v\u00e4lja egna fonder kan du p\u00e5verka dina framtida pensionsutbetalningar. Fonderna som ing\u00e5r i din PPM k\u00f6per du billigare \u00e4n n\u00e4r du sparar i fonder<\/a> hos din vanliga n\u00e4tm\u00e4klare eller bank eftersom Pensionsmyndigheten f\u00f6rhandlat ner avgiften \u00e5t dig. Du kan v\u00e4lja som mest fem olika fonder och p\u00e5 s\u00e5 s\u00e4tt skapa din egen fondportf\u00f6lj. Du kan sj\u00e4lv best\u00e4mma hur stor andel varje fond ska ha. Det g\u00e5r n\u00e4r som helst att byta fonder eller \u00e4ndra f\u00f6rdelningen mellan fonderna. Att g\u00f6ra f\u00f6r\u00e4ndringar i fondportf\u00f6ljen kostar ingenting.<\/p>\n\n\n\n

Hur byter man PPM-fonder?<\/h2>\n\n\n\n

Byt PPM-fonder genom att logga in p\u00e5 Pensionsmyndigheten.se med bank-id. Klicka dig vidare till Mina tj\u00e4nster, lite l\u00e4ngre ned p\u00e5 sidan kan du byta fonder. S\u00f6k upp den fond du vill byta till och v\u00e4lj hur stor andel du vill ska vara placerad i fonden. Normalt tar ett fondbyte tv\u00e5 till tre helgfria vardagar innan bytet \u00e4r utf\u00f6rt. Byter du fonder som handlas i andra tidzoner kan bytet ta l\u00e4ngre tid.<\/p>\n\n\n\n

Pensionsprognos<\/h2>\n\n\n\n

P\u00e5 Mina sidor kan du se en pensionsprognos hur stora dina pensionsutbetalningar kommer bli om du g\u00e5r i pension vid 65 \u00e5rs \u00e5lder. Du kan ocks\u00e5 se hur utvecklingen f\u00f6r din portf\u00f6lj g\u00e5tt det senaste \u00e5ret och fr\u00e5n start. Du ser ocks\u00e5 en \u00f6verblick hur stor avgiften f\u00f6r portf\u00f6ljen \u00e4r procentuellt f\u00f6r din portf\u00f6lj men \u00e4ven genomsnittet f\u00f6r alla premiepensionsportf\u00f6ljer.<\/p>\n\n\n\n

\n
\"\"
ppm<\/figcaption><\/figure>\n<\/figure>\n\n\n\n

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

… L\u00e4s mer<\/a><\/p>\n","protected":false},"author":1,"featured_media":1106,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_generate-full-width-content":"","footnotes":""},"categories":[3],"tags":[],"yoast_head":"\nPPM - Allt du beh\u00f6ver veta - Ekonomisnack<\/title>\n<meta name=\"description\" content=\"H\u00e4r g\u00e5r vi igenom allt du beh\u00f6ver veta kring PPM. 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