The Swedish pension system - how it works

The Swedish pension system consists of three parts - a national public pension, an occupational pension from your employer and savings of your own.

The Pension pyramid – understanding the different parts of your pension

In Sweden, the pension system is often illustrated using a model called the Pension pyramid. It shows that your pension comes from different sources:

  • The national public pension from the state is at the bottom.
  • For most people an occupational pension from their employer makes up the next layer.
  • Any private pension savings people may choose to make go at the very top. 

You may choose where to invest your pension savings yourself for certain parts, but not for others.

How the different parts of your pension work

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