{"id":33583,"date":"2018-06-26T13:00:42","date_gmt":"2018-06-26T11:00:42","guid":{"rendered":"https:\/\/www.nordnet.no\/blogg\/?p=33583"},"modified":"2026-03-11T17:56:51","modified_gmt":"2026-03-11T16:56:51","slug":"pengepodden-sparing-er-skattefordelene-i-ips-verdt-bindingstiden","status":"publish","type":"post","link":"https:\/\/www.nordnet.no\/blogg\/pengepodden-sparing-er-skattefordelene-i-ips-verdt-bindingstiden\/","title":{"rendered":"#pengepodden sparing &#8211; Er skattefordelene i IPS verdt bindingstiden?"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"770\" height=\"400\" scrolling=\"no\" frameborder=\"no\" src=\"https:\/\/w.soundcloud.com\/player\/?visual=true&#038;url=https%3A%2F%2Fapi.soundcloud.com%2Ftracks%2F463637166&#038;show_artwork=true&#038;maxwidth=770&#038;maxheight=1000&#038;dnt=1\"><\/iframe><\/p>\n<p>Tema i denne #pengepodden-episoden er sparing til pensjon og den nye IPS-ordningen. I studio er spare\u00f8konom Bj\u00f8rn Erik S\u00e6ttem og Anders Skar i Nordnet, som diskuterer om skattefordelene i IPS er verdt bindingstiden. Bj\u00f8rn Erik mener at det er liten tvil om at IPS er en skattegunstig ordning for de som vil spare til pensjon. Men ikke alle b\u00f8r velge IPS \u2013 hvem det er kommer gutta tilbake til. Anders forteller at Nordnet er eneste akt\u00f8r som tilbyr IPS-sparing i b\u00e5de fond og enkeltaksjer, s\u00e5 her f\u00e5r kundene et stort utvalg for sin pensjonssparing.<\/p>\n<p><u>Skattefordelene med IPS ramses opp og kommenteres<\/u>:<\/p>\n<ul>\n<li>Fradrag i alminnelig inntekt for innskuddet (med 23 % i 2018)<\/li>\n<li>Du slipper formueskatt p\u00e5 IPS-pengene<\/li>\n<li>Du f\u00e5r lavere skatt p\u00e5 aksjeavkastningen (med 23 % i 2018)<\/li>\n<\/ul>\n<p><u>Ulempene kommenteres ogs\u00e5:<\/u><\/p>\n<ul>\n<li>Pengene er bundet frem til du fyller 62 \u00e5r (utbetalingstiden er minimum 10 \u00e5r, og utbetalingene skal vare til du er minst 80 \u00e5r).<\/li>\n<li>Du f\u00e5r ikke skjermingsfradrag p\u00e5 aksjer og aksjefond.<\/li>\n<li>IPS-utbetalinger inng\u00e5r i egenandelen som kommunen krever om du havner du p\u00e5 langtidsopphold p\u00e5 sykehjem<\/li>\n<\/ul>\n<h2>Hvor mye er skattefordelene verdt?<\/h2>\n<p>(fra 17:53) Bj\u00f8rn Erik forteller at Nordnet og andre akt\u00f8rer har regnet p\u00e5 <a href=\"https:\/\/blogg.nordnet.no\/sa-mye-er-skattefordelene-i-ips-verdt\/\" rel=\"noopener\">verdien av skattefordelene<\/a>, og de fleste sparere kan forvente mellom 15 og 50 prosent h\u00f8yere sparesaldo ved \u00e5 velge IPS. Her sammenligner vi med sparing i samme aksjefond i en investeringskonto eller aksjesparekonto \u2013 og forutsetter at skattefordelen reinvesteres i IPS. L\u00f8nnsomheten \u00f8ker jo tidligere du starter sparingen, jo h\u00f8yere aksjeandel du har, og om du betaler formueskatt, forteller spare\u00f8konomen.<\/p>\n<p>Bj\u00f8rn Erik er tydelig p\u00e5 at du ikke b\u00f8r binde alle sparepengene dine i IPS, kun en andel. For eksempel halvparten av din langsiktige sparing. Dermed beholder du fleksibiliteten p\u00e5 den andre delen, i tilfelle du f\u00e5r bruk for pengene.<\/p>\n<p>Spare\u00f8konomen mener at en aldersgruppe b\u00f8r ligge unna IPS, og heller spare i mer fleksible spareformer: Er du under 30 \u00e5r, b\u00f8r du normalt ikke spare i IPS \u2013 hvor du binder pengene frem til pensjonsalder. I ung alder vet du ikke hva fremtiden vil bringe, og du vil trolig ha behov for alle sparepenger som egenkapital til boligkj\u00f8p.<\/p>\n<p>Anders er ikke helt enig, og argumenterer med at unge som sparer i aksjefond i IPS vil f\u00e5 en sv\u00e6rt stor effekt av rentes-rente-effekten. Finn ut mer om hva som kan passe din spareprofil og sparehorisont i denne episoden av #pengepodden sparing.<\/p>\n<h2>Sp\u00f8rsm\u00e5l fra lytterne<\/h2>\n<p>(fra 37:16) Ola lurer p\u00e5 om man i en IPS-avtale selv kan bestemmer hvor mye man vil ta ut fra IPS-avtalen fra fylte 62 \u00e5r. Her er svaret nei, og gutta forklarer regelverket.<\/p>\n<p>Kris lurer p\u00e5 om fremtidig skattesats p\u00e5 IPS-uttaket er fastsatt til 23 % p\u00e5 innskuddene, eller om man kan risikere at gjeldende skattesats i 2040 er 30% eller 15% for den saks skyld. Her er det korte svaret at denne skattesatsen kan endres, og tilsvarer satsen for alminnelig inntekt.<\/p>\n<p>H\u00f8r forrige episode av #pengepodden sparing:<a href=\"https:\/\/blogg.nordnet.no\/pengepodden-sparing-hvor-gar-renten-aksjemarkedet-og-boligmarkedet\/?autoplay=1\" rel=\"noopener\"> Hvor g\u00e5r renten, aksjemarkedet og boligmarkedet?<\/a><\/p>\n<p><a href=\"http:\/\/feeds.feedburner.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer nofollow\" data-wpel-link=\"external\">Abonner via RSS<\/a><\/p>\n<p><a href=\"https:\/\/soundcloud.com\/pengepodden\" target=\"_blank\" rel=\"external noopener noreferrer nofollow\" data-wpel-link=\"external\">F\u00f8lg p\u00e5 SoundCloud<\/a><\/p>\n<p><a href=\"https:\/\/itunes.apple.com\/no\/podcast\/pengepodden\/id1001063872\" target=\"_blank\" rel=\"external noopener noreferrer nofollow\" data-wpel-link=\"external\">Abonner via iTunes<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tema i denne #pengepodden-episoden er sparing til pensjon og den nye IPS-ordningen. I studio er spare\u00f8konom Bj\u00f8rn Erik S\u00e6ttem og Anders Skar i Nordnet, som diskuterer om skattefordelene i IPS er verdt bindingstiden. Bj\u00f8rn Erik mener at det er liten tvil om at IPS er en skattegunstig ordning for de som vil spare til pensjon. [&hellip;]<\/p>\n","protected":false},"author":20033,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"audio","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[6463],"tags":[437,3962],"class_list":["post-33583","post","type-post","status-publish","format-audio","hentry","category-pengepodden","tag-pensjon","tag-toppsak","post_format-post-format-audio"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/pengepodden-sparing-150x59.jpg","width":150,"height":59,"crop":true,"srcset":"https:\/\/blogg.nordnet.no\/wp-content\/uploads\/sites\/2\/2018\/04\/pengepodden-sparing-150x59.jpg 150w, 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