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LSR Private Pension

Get a pay raise with private pension savings! When you pay into a private pension, your employer adds 2% to your salary and pays it into the private pension savings. That's a direct pay raise for you! That's why everyone should take advantage of private p...

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Overview

LSR is both the oldest pension fund in Iceland and the largest in terms of assets. The fund has guaranteed its members and their families extensive rights for over 100 years.The fund's policy statement states ...

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Upon the start of employment

Starting your first job or changing careers is a big step. At such a turning point, it is always good to take stock of your pension matters and the services that LSR has to offer to assess whether everything is in order. Here, we will review the main poin...

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Specified private pension

If you choose to use the specified personal pension, your rights to lifelong pension and disability pension will be reduced. It is therefore important that each person carefully evaluates whether the specified personal pension is a good option for him ...

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Pension calculator

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Payouts

Income tax is deducted from the payouts. It might therefore be wise to keep the tax brackets in mind and distribute payments so that there is less chance that they will fall into a higher tax bracket. The following rules apply to withdrawals:

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Pension calculator

Below, you can enter your information into the calculator and estimate your pension payments. Another option is to log into My Pages, where you can access the calculator with your information pre-filled.

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Investments - Overview

LSR is a long-term investor with the aim of guaranteeing fund members a good long-term return. At the same time, efforts are made to limit risk as much as possible with a varied and well-diversified portfolio.

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Sustainability risk

Sustainability risk refers to those risk factors that may have negative effects on operations — that is, environmental, social, and governance factors that may adversely impact the operations, financial position, and long-term viability of a company, i...

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Private Pension – Securities Plan

The Securities Plan is one of LSR’s two Private Pension Plans. The weighting of equities is higher than that of bonds, which means returns may fluctuate to some extent; however, this also comes with expectations of higher long-term returns. The Securit...

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