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Investments and return
LSR’s strong and experienced asset management team is responsible for managing LSR’s Private Pension plans, which have delivered solid long-term returns over time. LSR offers two clear and straightforward investment plans and places strong emphasis on ...
/en/private-pension/private-pension/investments-and-return/
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:
/en/private-pension/private-pension/payouts/
Rights in other funds
Rights cannot be combined or transferred between funds. If you want to start drawing pensions from all funds at the same time, it is usually sufficient to submit a pension application to the fund you last paid into and request that it forward the appli...
/en/pensions/division-a/rights-in-other-funds/
Private Pension – Deposit Plan
Deposit Plan is one of LSR’s two private pension plans. The plan’s capital is fully invested in indexed deposit accounts, which minimises fluctuations in returns and is best suited to those who want to keep their balance stable during their last workin...
/en/investments/overview/private-pension-deposit-plan/
Division B
Division B of LSR manages LSR's older rights system, but the division was closed to new fund members at the end of 1996. Division B is partly a flow-through fund where employers cover part of the pension payments, in addition to the state guaranteeing ...
/en/investments/overview/division-b/
LSR’s Division A investments
Division A is the main division of LSR. It was founded in 1997 and is still growing rapidly. Due to the short time since the establishment of the division, its annuity burden is still low, and the investment policy of the division is therefore based on...
/en/investments/overview/division-a/
Division A - Foreign nationals
Foreign nationals who have paid premiums to LSR are entitled to a pension and disability pension in accordance with the premiums paid, as well as having the option of a spouse and child pension if the conditions are met. Such payments must be applied for ...
/en/pensions/division-a/pension-payments/foreign-nationals/
Upon retirement
Retirement can be quite a turning point in life and there is a lot to consider. It's a good idea to start preparing for retirement well in advance, assess your and your spouse's financial situation, if applicable, and check what rights you have with yo...
/en/life-events/upon-retirement/
History of LSR
1855 The foundation for the pension rights of civil servants was laid by the decree of King Fredrik VII of Denmark from 31 May, 1855, to enact in Iceland...
/en/about-lsr/history-of-lsr/
Division B
Premium payments to Section B continue until the fund member retires, regardless of age.A premium must be paid from daytime wages, holiday bonus, personal allowance, teachers' semester allowance and shift supplements due to regular shifts, but n...
/en/employers/division-b/