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Your pension

Your pension is the money you will live on in the future. Learn more and see what you can do to affect your future salary.

Pension savings

What is a pension?

Your pension is the money you will live on when you retire. Your pension is made up of three components:

  1. The National Insurance Scheme provides one component
  2. Employers contribute another component
  3. The last component is the money you save

You can withdraw all or parts of the pension while you are still working, but not before the age of 62. Normal retirement age in Norway is 67 years. If you want to draw a pension earlier, it’s important to have good pension savings.

Pension savings are long-term savings that will stay in place for many years. The most important thing is to get started. Find the savings method that is best for you

Read more about what the pension consists of

Influence your pension

1. Get an overview of your expected pension

See how much you will get as a pension

  • Try the pension calculator
Investment video in Spare KAKE 3840x3840

Get a full overview in the Spare app

Spare gives you a good overview of your pension

2. Select the proportion of equities that suits you best

See if you should adjust the proportion of equities in your pension profile

3. Start your own savings

The earlier you get started, the better.

What is a defined-contribution pension?

A defined-contribution pension is the money your employer saves for your pension. The employer saves a percentage of salary up to 12 G for your pension. The payments from the employer and the return you receive on the money saved together constitute the pension from the employer. You decide how to invest the money. If you leave the company, you will be de-registered from the defined-contribution pension scheme. Then you’ll have all your earned pension on one pension capital certificate.

This is how you can influence your defined-contribution pension

The money that an employer saves for your pension is invested in a pension profile that can consists of both shares and fixed-income securities. Your employer places all employees in the same profile, regardless of how close you are to retirement. So it’s a good idea to review your pension profile. The choice you make can have a major impact on how much pension you receive.

This determines how much you receive in a defined-contribution pension:

  • How much the employer saves for you
  • How much you are paid in salary
  • How many years you work
  • The return you receive on your money
  • What costs do you have?
Read more about pension profiles
DNB Pension Prep speaker

Planning to retire soon? We’ll help you along the way

See recording of DNB Pension Prep here

Would you like to talk to one of our pensions advisers?

Call us on +47 915 04800 Monday to Friday from 08.00 to 16.00. The chatbot is available 24 hours a day! You can also schedule a meeting below.

Your pension

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