Pensionsportabilitet

Pensionsportabilitet refers to the ability of an individual to transfer their accrued pension rights and savings from one pension scheme to another. This is particularly relevant when an individual changes employers or moves between different types of employment, such as from the private to the public sector. The primary benefit of pensionsportabilitet is that it allows individuals to consolidate their pension savings, potentially leading to a simpler overall pension structure and avoiding the accumulation of small, disparate pension pots.

The mechanisms for achieving pensionsportabilitet vary by country and by the specific types of pension schemes involved. In some cases, it may involve transferring the capital value of a defined contribution scheme to a new employer's scheme. For defined benefit schemes, the transfer might be based on a calculated equivalent value of the future pension benefits. Legislation in many jurisdictions facilitates pensionsportabilitet to encourage long-term financial planning and to accommodate a more mobile workforce.

However, the feasibility and attractiveness of transferring pension rights depend on various factors. These include the fees associated with transfers, potential loss of guaranteed benefits or favorable terms in the old scheme, and the investment options and charges in the new scheme. Individuals considering exercising pensionsportabilitet are often advised to seek independent financial advice to ensure the transfer is in their best long-term financial interest. It is a key feature in modern pension systems designed to provide individuals with greater control and flexibility over their retirement savings.