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P - lah@sam.sdu.dk

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Pensionering baseret på forudgående opsparingOpsparingsfaseNedsparingsfaset 0 t p t dErhvervsaktiv fase: t p –t 0 Otiumfase: t d –t pAntagelser:Konstant årsindtægt w Ønsket pension POpsparingskvote p Kendt tilbagetrækningsogdødstidspunktRealrente 0Pensionsindbetalinger:p⋅w⋅( ) t - tpdPensionsudbetalinger:P ⋅( ) t - tdp

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