{"id":20706,"date":"2022-11-08T13:43:22","date_gmt":"2022-11-08T12:43:22","guid":{"rendered":"https:\/\/www.factofly.com\/?p=20706"},"modified":"2022-11-08T13:43:22","modified_gmt":"2022-11-08T12:43:22","slug":"retirement-as-an-independent-freelancer","status":"publish","type":"post","link":"https:\/\/www.factofly.com\/en\/blog\/pension-som-selvstaendig-freelancer\/","title":{"rendered":"Pension as an independent freelancer"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"60\" data-lineheight=\"78px\"><b>Everything you need to keep track of when it comes to yours\u00a0<\/b>pension savings<\/h2>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p><span style=\"font-weight: 400;\">As <a href=\"https:\/\/www.factofly.com\/en\/blog\/what-is-freelancing\/\">independent freelancer<\/a> many questions and completely new areas can arise that you as an employee normally take for granted.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now you have to be in control of most things yourself (read: everything), and one of the very big and hotly debated areas is pension as an independent freelancer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Is it necessary to make a pension? How much should you pay into a pension as a self-employed person, and which pension scheme should you actually choose? <\/span><\/p>\n<p><span style=\"font-weight: 400;\">There can be several things to decide on and many different opinions, but here you will get more information about pension as a self-employed person, so that you can form your own and get your pension savings started.<\/span><\/p>\n<\/div><style type='text\/css'>.reading-box-container-1 .element-bottomshadow:before,.reading-box-container-1 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-1\" style=\"--awb-title-color:var(--awb-color8);--awb-margin-top:20px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:var(--awb-color2);border-width:1px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_pensionsomfreelancer\" target=\"_self\"><span>Create a free user<\/span><\/a><h2>An easier freelance life with Factofly<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_pensionsomfreelancer\" target=\"_self\"><span>Create a free user<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><h4><b>Set aside for the future<\/b><\/h4>\n<\/div><div class=\"fusion-text fusion-text-4\"><p><span style=\"font-weight: 400;\">As a self-employed person, you have many things to think about, and if you are just starting out, pension may not be the first thing that comes to mind. <\/span><\/p>\n<p><em><span style=\"font-weight: 400;\">In fact, more than half of the self-employed end up saving less than 5% of their income for retirement.<\/span><\/em><\/p>\n<p><span style=\"font-weight: 400;\">It is entirely up to you as an independent freelancer whether you choose to make a pension savings or not. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a self-employed person, you will have the right to a national pension in the same way as everyone else, but since you are not an employee, you will not automatically have an occupational pension.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is therefore a good idea to save for the pension itself, as the ordinary one <a href=\"https:\/\/www.borger.dk\/pension-og-efterloen\/Folkepension-oversigt\">public pension<\/a> too few reach the future they dream of. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In general, it is recommended that you save so much that what you will receive when you retire, <a href=\"https:\/\/taenk.dk\/privatoekonomi\/pension\/pension-saadan-faar-du-mest-ud-af-din\">corresponds to approx. 80% of what you live on today.<\/a><\/span><\/p>\n<p><span style=\"font-weight: 400;\">When it comes to pension savings, however, there are several options and different ways to do this, and it is important that you choose the solution that suits you best and adjust it along the way.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-5\"><h4><b>Contribution to pension as a self-employed person<\/b><\/h4>\n<\/div><div class=\"fusion-text fusion-text-6\"><p><span style=\"font-weight: 400;\">What is the right amount to pay into pension? <\/span><\/p>\n<p><span style=\"font-weight: 400;\">It can vary from person to person, and you can choose to set it according to the lifestyle you want to lead when you retire, your current age and desired retirement age, and in relation to how much you have the opportunity and desire to put aside.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As mentioned earlier, as a rule of thumb, you should set aside so much that it corresponds to the fact that you will be paid approx. 80% of what you live on now.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As an independent freelancer, however, income can fluctuate \u2013 especially at the start. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some self-employed freelancers therefore choose a pension scheme where you can quickly and easily adjust the payment from month to month or temporarily pause the pension savings. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means that in this way you can pay more in the months when the income is high and less when it is lower.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on which pension scheme you choose, there may also be a limit on how much you can pay into your pension per year. If you choose e.g. to create an installment or termination pension, you can pay a maximum of DKK 59,200 with full deduction in 2022.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7\"><h4><b>Different forms of pension as a self-employed person <\/b><\/h4>\n<\/div><div class=\"fusion-text fusion-text-8\"><p><span style=\"font-weight: 400;\">In addition to deciding what amount you want to pay into your pension as a self-employed person, you must also have decided which type of pension suits you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you simply put the money aside in a regular bank account, there is a good chance that it will lose value in line with inflation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The vast majority therefore choose to invest their pension savings in e.g. shares, funds, securities or other through a pension scheme. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this way, you can avoid inflation reducing the value of the savings over time and even achieve a return and thus increase the pension you will be paid in the future.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mainly, a distinction is made between 3 different types of pension:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Installment pension:<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Installment pension is the most common pension savings. It is a private retirement savings account that will be paid out in installments (like a regular salary) when you choose to retire.<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Annuity (for life or termination):<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A lifetime annuity pension is an insurance policy that gives you a continuous payout for the rest of your life \u2013 regardless of how long you live. If, on the other hand, it ceases, it is somewhat similar to the installment pension and is also paid out over a number of years.<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Retirement pension:<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you would like to have your pension paid out in one lump sum, you should choose the retirement pension. Most often, people choose an old-age pension to supplement the installment pension savings if they want to pay more into the pension than the permitted limit for the installment pension.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most therefore choose the installment pension, which is the most widespread pension savings.\u00a0<\/span><\/p>\n<\/div><style type='text\/css'>.reading-box-container-2 .element-bottomshadow:before,.reading-box-container-2 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-2\" style=\"--awb-title-color:var(--awb-color8);--awb-margin-top:20px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:var(--awb-color2);border-width:1px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_pensionsomfreelancer\" target=\"_self\"><span>Create a free user<\/span><\/a><h2>An easier freelance life with Factofly<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_pensionsomfreelancer\" target=\"_self\"><span>Create a free user<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-9\"><h4><b>Get started - Create your pension savings<\/b><\/h4>\n<\/div><div class=\"fusion-text fusion-text-10\"><p><span style=\"font-weight: 400;\">Unless you have a good handle on the stock market and are ready to invest your pension savings yourself, you can choose to either set up a savings account with a bank or a pension company.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The bank or pension company you choose will have professionals employed to invest your pension savings for you based on your wishes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many prefer to continue to have an influence on what the pension savings are invested in, such as green energy etc. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you have set up the pension savings, you can choose to set up an automatic transfer, so you are sure to get paid into your pension savings every month.<\/span><\/p>\n<\/div><style type='text\/css'>.reading-box-container-3 .element-bottomshadow:before,.reading-box-container-3 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-3\" style=\"--awb-title-color:var(--awb-color8);--awb-margin-top:20px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:var(--awb-color2);border-width:1px;border-color:rgba(226,226,226,0);border-left-width:3px;border-left-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_pensionsomfreelancer\" target=\"_self\"><span>Create a free user<\/span><\/a><h2>An easier freelance life with Factofly<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Be a freelancer without hassle and get paid without your own CVR number with Factofly. We help almost 2,000 others with an everyday life without administration.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:13px 13px 13px 13px\" href=\"https:\/\/app.factofly.com\/?screen_hint=signup&amp;referral_id=blog_pensionsomfreelancer\" target=\"_self\"><span>Create a free user<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:104%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-11\"><h4><b>Pension as a self-employed person and tax deduction<\/b><\/h4>\n<\/div><div class=\"fusion-text fusion-text-12\"><p><span style=\"font-weight: 400;\">Another thing that is an advantage of having set up a pension savings is that you can now get a tax deduction for the contributions to your pension scheme.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As long as you set up your pension savings with a bank or a pension company, you can get a tax deduction for the payments to your pension. This means that you both get to build up a pension for the future and that you have to pay a smaller amount in tax at the same time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you have created your pension savings and determined the amount you want to pay in each month, it is a good idea to enter this in the advance statement as a tax deduction for the payments.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":321,"featured_media":20709,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[146],"class_list":["post-20706","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides","tag-pension"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pension som selvst\u00e6ndig 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