eläkkeensuunnittelu

Eläkkeensuunnittelu refers to the process of preparing for retirement in Finland. It involves considering various aspects of financial and lifestyle planning to ensure a comfortable and secure future after one stops working. This planning typically begins well before the actual retirement age, as savings and investment strategies take time to grow.

Key components of eläkkeensuunnittelu include understanding the Finnish pension system, which is primarily earnings-related and managed by various pension providers like Ilmarinen, Elo, Varma, and Veritas, as well as the Social Insurance Institution of Finland (Kela) for basic pensions. Individuals need to estimate their future pension income from these sources. Beyond the statutory pension, many Finns supplement their retirement funds through voluntary savings, such as investments in mutual funds, stocks, or real estate, and through occupational pension schemes offered by employers.

Beyond financial considerations, eläkkeensuunnittelu also encompasses planning for life during retirement. This can involve thinking about where to live, how to spend one's free time, and maintaining health and well-being. It's a holistic approach to ensure a smooth transition into and a fulfilling experience of retirement. Tools and advice are available from financial institutions and pension providers to assist individuals in creating personalized eläkkeensuunnittelu strategies.