Understanding the Pension System in Sweden

Master your money and increase your financial knowledge

About

Economyaat Academy, an extension of the Economyaat economic platform, is the leading and largest economic platform in Sweden. The Economyaat Academy enhances economic integration for Arabic speakers in Sweden by offering a variety of economic courses. We focus on facilitating a comprehensive understanding of different economic fields, to empower our community for active and informed participation in the local economy. Our goal is to provide practical and applied economic education that contributes to personal and professional growth, and efficiently supports economic integration.

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Understanding the Pension System in Sweden

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Understanding the Pension System in Sweden

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13 Sections
42 Videos
3 number of training hours
Certificate of completion

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course description

This course is designed to provide a comprehensive and practical understanding of the Swedish pension system, helping participants move from basic awareness to informed decision-making.

Rather than focusing solely on theory, the course explains how pension-related decisions affect long-term financial outcomes, especially in light of recent regulatory changes.

The course covers:

The structure of the Swedish pension system
Public pension, occupational pension, and private savings
The importance of early planning and mid-career reviews
Pension withdrawal strategies and timing
The impact of the 2026 regulatory changes, including reference age (riktålder)
Common mistakes and how to avoid them

A key feature of the course is a set of practical walkthrough videos using Minpension.se, where participants learn how to:

Review their own pension forecast
Compare withdrawal scenarios
Understand the long-term impact of different retirement decisions

The course is suitable for participants at all stages of working life and requires no prior knowledge of finance or pensions.

1000SEK

Trainer

Mohamad Barhamji

Mohamad Barhamji

Unit 1 - Introduction

Why Do We Realize Pension Problems Too Late?
Common Pension Mistakes Among Arabs in Sweden
How to Use This Course to Make Practical Decisions

Unit 2: The Big Picture – How Does the Retirement System Work?

What is the Swedish pension system — and why does it seem complicated?
The Pension Pyramid: The State – The Employer – You
Who Is Actually Responsible for Your Pension?
Why Does Every Working Hour and Every Tax Krona Matter?

Unit 3: Numbers and terms that control everything

What Are Base Amounts and Why Do You Always Hear About Them?
The Difference Between Prisbasbelopp and Inkomstbasbelopp – A Clear and Practical Explanation
Minimum Levels and Caps: When Do You Work Without Pension Rights?

Unit 4: Public Retirement – The Foundation That Cannot Be Ignored

What Is the Public (Allmän) Pension and What Does It Consist Of?
Inkomstpension vs Premiepension: The Fundamental Difference
How Are Your Pension Rights Calculated in Practice? (PGI Step by Step)
What Counts as Pensionable Income — and What Does Not?

Unit 5: The part you can influence – Premiepension

Why Is Premiepension Important Even Though It’s Small?
How Is Your Money Invested Within Premiepension?
AP7 Såfa and Investment Funds: What Should You Choose and Why?
🇬🇧 English Fees and Risks: Their Real Impact on Your Future Pension

Unit 6: Retirement from Work

What Is Tjänstepension and Why Do Many People Overlook It?
How Does Tjänstepension Actually Complement the Public Pension?
Collective Agreements and Types of Tjänstepension: Why Do Employees’ Pensions Differ?
Private Pension Savings: When Do You Need It — and When Don’t You?

Unit 7: Your retirement rights even when you are no longer working

Pension During Childcare Years: How Are Your Pension Rights Calculated?
Studies, Illness, and Unemployment: What Happens to Your Pension?
What Does the State Pay for You Without You Noticing? (Pension-Qualifying Amounts)

Unit 8: What doesn't grant retirement (to avoid shocks)

Undeclared Income and Capital Gains: Why Don’t They Count Toward Your Pension?
Benefits and Grants: What Does Not Count Toward Your Pension?
Working Abroad: When Does It Affect Your Pension — and When Doesn’t It?

Unit 9: Retirement for Non-Residents of Sweden

Do You Need to Live in Sweden to Receive Your Pension?
Leaving Sweden: What Happens to Your Pension Rights?
Pension Payments and Taxes for Non-Residents

Unit 10: Protecting the Family and the Rights of Heirs

What Happens to Your Pension If You Pass Away?
Survivor Protection (Efterlevandeskydd): When Is It a Good Idea?
Inheritance Gains (Arvsvinster): Who Really Benefits?
Family Protection (Familjeskydd): What Is It and How Is It Different from Survivor Protection?

Unit 11: Safety Nets and Government Support

Guaranteed Pension (Garantipension): Who Is It For?
The Limits of the Guaranteed Pension (Garantipension) – Why You Shouldn’t Rely on It Alone
Elderly Support (Äldreförsörjningsstöd): When Does the State Step In
Retirement Planning at Pension Age: Decisions You Can’t Afford to Get Wrong
The New 2026 Rules: How Do They Change Your Retirement Decision?

Conclusion

From Understanding to Action: Turning This Course into Smart Retirement Decisions

Practical Section

Explanation of the minpension.se website