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alternatives\",\"content\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You do not need to start withdrawals from all your pension agreements at the same time. When you need to consider the order for pension withdrawals, it is important to think about your own life situation – including marital status, health and financial needs.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"bold\":true,\"text\":\"Suggested order for pension withdrawals\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-row\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-cell\",\"colSpan\":1,\"markedCell\":false,\"rowSpan\":1,\"isRowHeader\":false,\"isColHeader\":false,\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"1. National Insurance and AFP\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-cell\",\"colSpan\":1,\"markedCell\":false,\"rowSpan\":1,\"isRowHeader\":false,\"isColHeader\":false,\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"• Not inheritable\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"• Activates pension tax relief, which can reduce your tax burden\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"• Largest payout and therefore greatest impact on your finances\",\"isTranslated\":true}]}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-row\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-cell\",\"colSpan\":1,\"rowSpan\":1,\"isRowHeader\":false,\"isColHeader\":false,\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"2. 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Personal savings\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-cell\",\"colSpan\":1,\"rowSpan\":1,\"isRowHeader\":false,\"isColHeader\":false,\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\\t• May offer greater flexibility in terms of withdrawals\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"• Primarily inherited by survivors, with some exceptions\",\"isTranslated\":true}]}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-row\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-cell\",\"colSpan\":1,\"rowSpan\":1,\"isRowHeader\":false,\"isColHeader\":false,\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"4. Pension account, pension capital certificate and IPS\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"table-cell\",\"colSpan\":1,\"rowSpan\":1,\"isRowHeader\":false,\"isColHeader\":false,\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"• Opportunity to adjust the equity allocation, which may provide better rate of return over the long term\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"• Inherited by survivors according to specific rules, which can ensure financial stability for your descendants\",\"isTranslated\":true}]}]}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"reference\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}}],\"_meta\":{\"id\":\"richTextTable\",\"anchorId\":\"aacbfa101-a268-4c5f-8345-0bcc3ec2759a\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"includeStructuredData\":false,\"isTranslated\":true,\"sectionTitle\":\"Frequently asked questions\",\"list\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"What happens if I combine pension and work?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"As long as you work, your employer continues to contribute to your pension. The payment you receive whilst you are still working is based only on already accrued pension savings. The earlier you start your pension payments, the lower your annual pension will be. When you work at the same time as you draw a pension, your total income will be higher than before. This means you will have to pay more tax on your pension than if you had received pension alone. If you choose to draw a pension whilst working part-time, this will result in lower savings.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Pension and salary have different tax rules, so even if the payment should be roughly the same, the tax may not be. To see the effect of this, we recommend that you use \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The Norwegian Tax Administration's tax calculator.\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.skatteetaten.no/person/\",\"isTranslated\":true,\"openInNewTab\":true,\"href\":\"https://www.skatteetaten.no/person/\"}}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"How much tax is there on pension?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"We deduct tax in accordance with your tax card. If you withdraw pension, it is therefore important to update your tax card on \",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The Norwegian Tax Administration's website\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.skatteetaten.no/person/\",\"isTranslated\":true,\"openInNewTab\":true,\"href\":\"https://www.skatteetaten.no/person/\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\". If you have questions about your tax deduction, you can contact the Norwegian Tax Administration.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"How do I register an account number for pension payments?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}],\"_meta\":{\"id\":\"richText\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can register your account number by logging in to dnb.no, select Pension and Insurance - Manage my policies - Account for payout - Register account.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Can I combine disability pension and retirement pension?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"If you are partially incapacitated for work, you can also apply to draw a partial retirement pension. The combined total of disability pension and retirement pension can amount to a maximum of one hundred per cent of the retirement pension benefit.\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can read more about this here:\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"link\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Long-term sick and incapacitated for work\",\"isTranslated\":true}],\"link\":{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"url\":\"www.dnb.no/okonomisk-radgiver/arbeid/ufor\",\"isTranslated\":true,\"openInNewTab\":false,\"href\":\"https://www.dnb.no/okonomisk-radgiver/arbeid/ufor\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"Where can I find more information?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"You can find more information about your pension and savings insurance policies with DNB by logging in to online banking at dnb.no.\\nGo to Pension and Insurance, then select My Pension. For account statements/insurance certificates, go to Archive → Pension and Pure Endowment Insurance → select the desired year. You can also contact an adviser by telephone on 915 04800.\",\"isTranslated\":true}]}],\"_meta\":{\"id\":\"faq\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"question\":\"When can I start drawing my pension?\",\"isTranslated\":true,\"text\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"paragraph\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Most pension schemes paid by your employer can start paying out from the age of 62. Consider when it suits you best. Remember that the longer you wait, the higher your annual pension will be.\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"Consider how long you wish to work – you can continue working even if you are eligible to draw a pension. Your employer contributes to your pension as long as you are employed.\\n\",\"isTranslated\":true}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"When you stop working – pension contributions from your employer will cease.\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The payment must be distributed over at least ten years, and at least until you reach the age of 77.\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"The payment starts no later than when you turn 75 unless otherwise agreed\",\"isTranslated\":true},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\".\",\"isTranslated\":true}]}]},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"bulleted-list\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"type\":\"list-item\",\"children\":[{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"text\":\"National Insurance Scheme – if you wish to start before the age of 67, you must have accrued sufficient pension. Check this with Nav (the Norwegian Labour and Welfare Administration).\",\"isTranslated\":true}]}]}],\"_meta\":{\"id\":\"faq\"}}],\"_meta\":{\"id\":\"faqs\",\"anchorId\":\"aef23e4dc-c04b-41c2-8e62-ba56e41ec0cc\"}},{\"jcr:mixinTypes\":[\"cq:LiveRelationship\"],\"tagPath\":\"\",\"articleInput\":\"article\",\"showLargeArticle\":true,\"numberOfArticles\":\"3\",\"categoryPath\":\"\",\"isTranslated\":true,\"articlePathList\":[\"/content/dnbnyheter/no/bors-og-marked/2025/q2/pensjonsknekken\"],\"_meta\":{\"id\":\"dnbNyheterArticles\",\"anchorId\":\"a46b548ed-06b8-43ed-819f-abab33c5197b\"}}]}"}},"homeLinks":{"mainHomepageUrl":{"path":"/content/dnb/open/en","anchorText":null},"corporateHomepageUrl":{"path":"/content/dnb/open/en/business","anchorText":null}},"navMenu":{"menu":{"tabs":[{"url":{"path":"/content/dnb/open/en","anchorText":null},"customerSegment":"private","title":"Personal","links":[{"url":{"path":"/content/dnb/open/en/loans","anchorText":null},"title":"Loans","description":"Are you buying a home, a car or other items? Here you’ll find good advice and solutions when you need a loan."},{"url":{"path":"/content/dnb/open/en/saving","anchorText":null},"title":"Saving","description":"See our great savings products and find out if you want to save on accounts, in mutual funds or buy shares."},{"url":{"path":"/content/dnb/open/en/insurance","anchorText":null},"title":"Insurance","description":"Insure yourself, your family and your values and you’ll have one less worry if anything should happen."},{"url":{"path":"/content/dnb/open/en/pension","anchorText":null},"title":"Pensions","description":"Find out more about pensions and what measures you can take to influence your pension."},{"url":{"path":"/content/dnb/open/en/card","anchorText":null},"title":"Cards","description":"Our cards are adapted to most phases of life. Read more about the different cards, the programmes and the benefits associated with the cards."},{"url":{"path":"/content/dnb/open/en/everyday-banking","anchorText":null},"title":"Everyday banking","description":"We offer a complete range of banking services through mobile banking, online banking and bank branches."},{"url":{"path":"/content/dnb/open/en/real-estate","anchorText":null},"title":"Real estate","description":"Selling a home? DNB Eiendom is Norway’s leading real estate agent."},{"url":{"path":"/content/dnb/open/en/customer-loyalty-programme","anchorText":null},"title":"Customer loyalty programme","description":"Benefits and unique experiences from our partners."}],"label":"To the front page"},{"url":{"path":"/content/dnb/open/en/business","anchorText":null},"customerSegment":"corporate","title":"Business","links":[{"url":{"path":"/content/dnb/open/en/business/become-a-customer","anchorText":null},"title":"Become a corporate customer","description":"Establishment is free of charge."},{"url":{"path":"/content/dnb/open/en/business/daily-banking","anchorText":null},"title":"Everyday banking","description":"Payment, card, account and digital services."},{"url":{"path":"/content/dnb/open/en/business/financing","anchorText":null},"title":"Financing","description":"Financing solutions for all needs."},{"url":{"path":"/content/dnb/open/en/business/pensions","anchorText":null},"title":"Pensions","description":"Meet the statutory requirements and give your employees the best opportunity for a secure future."},{"url":{"path":"/content/dnb/open/en/business/insurance","anchorText":null},"title":"Insurance","description":"Cover the statutory requirements and stay ahead if anything should happen."},{"url":{"path":"/content/dnb/open/en/business/investing","anchorText":null},"title":"Investing","description":"Everything about investments, shares, funds and currencies."},{"url":{"path":"/content/dnb/open/en/business/industry-expertise","anchorText":null},"title":"Industry expertise","description":"Unique insights and experience."},{"url":{"path":"/content/dnb/open/en/business/a-z","anchorText":null},"title":"Business from A to Z","description":"Tips and advice on starting and running a business."}],"label":"To the main page for Business"}],"bottomLinks":[{"url":{"path":"/content/dnb/open/en/customer-loyalty-programme/private-banking","anchorText":null},"corporateUrl":null,"title":"Private Banking"},{"url":{"path":"/content/dnb/open/en/markets","anchorText":null},"corporateUrl":null,"title":"DNB Carnegie"},{"url":{"path":"www.dnb.no/dnbnyheter","anchorText":null},"corporateUrl":null,"title":"DNB Nyheter"},{"url":{"path":"/content/dnb/open/en/help-and-guidance","anchorText":null},"corporateUrl":{"path":"/content/dnb/open/en/business/help-and-guidance","anchorText":null},"title":"Help and guidance"},{"url":{"path":"/content/dnb/open/en/about-us","anchorText":null},"corporateUrl":null,"title":"About us"}]}},"footer":{"websites":{"title":"DNB Websites","links":[{"text":"DNB Eiendom (DNB Real Estate)","url":{"path":"dnbeiendom.no/","anchorText":null},"ariaLabel":"Gå til DNB Eiendom"},{"text":"#girlsinvest","url":{"path":"/content/dnb/open/no/okonomisk-radgiver/huninvesterer","anchorText":null},"ariaLabel":"Go to #Girlsinvest"},{"text":"DNB Tech Blog","url":{"path":"www.dnbtech.no/","anchorText":null},"ariaLabel":"Gå til "}]},"international":{"title":"International","links":[{"text":"DNB Luxembourg","url":{"path":"www.dnb.no/lu/en","anchorText":null},"ariaLabel":"Gå til DNB Luxembourg"},{"text":"DNB Sweden","url":{"path":"www.dnb.se/","anchorText":null},"ariaLabel":"Gå til DNB Sverige"},{"text":"DNB Denmark","url":{"path":"www.dnb.dk/","anchorText":null},"ariaLabel":"Gå til DNB Danmark"}]},"social":{"title":"Social media","links":[{"ariaLabel":"Gå til DNB på Facebook","url":{"path":"www.facebook.com/dnb/","anchorText":null},"icon":"facebook"},{"ariaLabel":"Gå til DNB på Youtube","url":{"path":"www.youtube.com/user/DNB","anchorText":null},"icon":"youtube"}]},"corporateDetails":[{"header":"Head office","text":["Dronning Eufemias gate 30","0191 Oslo, Norway"]},{"header":"Postal address","text":["DNB","PO Box 1600 - 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