o Aftalen har først og fremmest fokus på at løse det såkaldte samspilsproblem, som betyder, at pensionsopsparing for en stor gruppe kan blive en underskudsforretning. Det sker, fordi udbetalingerne vil blive modregnet i offentlige pensionsydelser.
§ Det er aftalt, at danskerne fra fem år før folkepensionsalderen kan indbetale op til 50.000 kr. årligt efter skat på en aldersopsparing, når ændringerne er fuldt indfaset i 2023.
§ Da udbetalingerne fra en aldersopsparing ikke bliver modregnet i offentlige pensionsydelser, undgås samspilsproblemet dermed i slutningen af arbejdslivet, hvor det ellers er størst.
o Med henblik på at øge afkastet af pensionsopsparing igennem hele arbejdslivet bliver der endvidere afsat en pulje på 2,4 mia. kr. fuldt indfaset til at lette skatten på pensionsindbetalinger.
o Aftalen får taget hul på at løse de samspilsproblemer, som gør, at det for flere ikke har kunnet betale sig at spare op til pension. Med målretning af aldersopsparingen sikrer vi, at folk får større tilskyndelse til pensionsopsparing i den periode af arbejdslivet, hvor samspilsproblemet er størst.
o Med aftalen vil regeringen og Dansk Folkeparti belønne dem, der bliver et par ekstra år på arbejdsmarkedet i stedet for at trække sig tilbage så snart det er muligt. Derfor bliver det muligt skattefrit at få udbetalt sine efterlønsbidrag, mod at man frasiger sig muligheden for at gå på efterløn.
o Samtidig bliver det mere fleksibelt end i dag at få udbetalt sin folkepension på et senere tidspunkt, hvis man vælger at arbejde efter folkepensionsalderen. Det betyder, at den enkelte selv kan vælge, om den udskudte pension skal udbetales som et engangsbeløb eller over en længere periode.
o Som en del af aftalen ændrer man også bopælskravene for at optjene ret til fuld folkepension, ældrecheck og førtidspension. Fremadrettet skal man have boet 9/10 af perioden fra det fyldte 15. år til folke/førtidspensionsalderen i riget (Danmark, Grønland eller Færøerne) for at have ret til de fulde ydelser.
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