Can use pension 3rd elasticity / day

At the 3rd level, about a third of the participants invest in their savings in conservative/balanced funds. It should be noted, however, that the statistics reflect the number of contracts and one person may have several pension 3. This shows that, as on the 2nd level of pensions, at the 3rd level, part of the population invests in the inappropriate plan. From the age of 55, pension 3 members have full action freedom – they can use their savings both in full and in installments, and can continue to be accumulated. But the accumulation strategy must be dependent on the planned end date of people are thinking of removing this savings, and it needs to pay special attention.

« As the planned payout approaches, you can gradually switch to a more conservative pension plan, which will have less influence on the fluctuations of financial markets. If you are already in need of a retirement age, you can still leave the pension 3. and then remove them at greater value, as shown by historical experience, « says Swedbank Director of the Open Pension Fund Maris Sīlītis.

Also in the wrong plans

« If you have to look at active pension plans before the planned withdrawal of money, even 100% of the shares. If five years are left, the risk level, or the share of shares, needs to be reduced, but do not » sit « in very conservative plans. Swedbank Angelika Dobrovolskaya, Head of Investment Management Company. For example, during the retirement pension, the 3rd level does not have to be invested in a 100% bond plan, and a small part may also be in shares that can provide slightly more growth. It should be borne in mind that the scenarios with bonds can be different, and it was recently this is where the bond market has fallen significantly.