The Swedish pension system faces several large challenges. An ageing population puts upward pressure on the retirement age. At the same time, the number of poor retired people is expected to increase. How can the pension system as a whole provide security for the individual and the right incentives for a longer working life?
The project takes a holistic perspective of the pension system and deals with questions that concern both the occupational and state pension.
Both the state pension system and the occupational (employer-funded) pension system have undergone reforms that have strengthened the relationship between pension and lifetime income. These reforms have also lead to an increased possibility for individual choice. Yet the pension system faces new challenges despite the implemented reforms.
Numerous demographic shifts and systemic changes will affect the functioning of the pension system. The increased average life expectancy will put downward pressure on pension levels. The general pension system and the occupational pension systems interact with each other, and with the tax and subsidy system as a whole. Changes in pension levels might thus have consequences far beyond the pension system. People have also become increasingly mobile, relocating across national borders. In contrast, the pensions systems could be seen as designed on the implicit assumption that future retired people will have worked in Sweden during their whole working life.
Further questions may be formulated during the course of the project.
27/11 2018 The complexity of the Occupational Pension System
19/6 2018 Life expectancy forecasts in the pension system
25/4 2018 Reducing Health-Related Labour Force Exits Among Elderly Workers
8/6 2017 Payroll Taxes and Individual Social Security Charges in the Pension System
17/1 2017 The Payout Decision in the Swedish Occupational Pension System
14/11 2016 How to facilitate improved decisions when saving for retirement?
30/11 2015 Who takes the responsibility for the pension system to favour a longer working life?
The reference group consists of Alecta, Nordea Liv & Pension, SEB, The Swedish Pension Agency, Folksam, Handelsbanken Liv, Insurance Sweden, SPV, AMF, SKL, Försäkringskassan, SPP and Sjunde AP-fonden.
Research Director: Stefan Sandström, email@example.com,
+46-8-507 025 64
Project Manager: Anna Hasselqvist Haglund, firstname.lastname@example.org, +46 722-51 36 81.