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   "author" : "Martin Næss Kristiansen",
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   "content" : "# To viktige endringer i pensjon fra nyttår\n\n## Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.\n\n## Saken oppsummert\n\n## Massiv motstand mot Ap-forslag: – Uverdig\n\n## Gir skattefordel\n\n## Pensjon: Fordelene og ulempene ved IPS-sparing\n\n## Slik fungerer IPS\n\n## Lov til å jobbe lengre\n\n## Her er de viktigste kampene om pensjon i 2026\n\nInnenriks\n\nOppsummeringen er generert av Labrador AI, men gjennomlest av en journalist.\n\nDe to endringene er verdt å merke seg, ifølge pensjonsekspert Steinar Fuglevaag i Fagforbundet, da de gjelder de aller fleste av oss før vi en dag skal ta ut [pensjon](https://www.dagsavisen.no/tags/pensjon).\n\nDen ene regelendringen fra 1. januar er en ofte anbefalt spareordning til pensjon mot slutten av [arbeidslivet](https://www.dagsavisen.no/tags/arbeidsliv). Såkalt individuell pensjonssparing (IPS) vil lønne seg bedre allerede fra nyåret i 2026.\n\nTaket er hevet betraktelig for hvor mye du kan spare årlig til en IPS-konto. Øvre grense økes fra 15.000 til 25.000 kroner.\n\n– Det var et av Høyres krav i budsjettforliket, kommenterer Fuglevaag.\n\nHan har tidligere fortalt om [den store pensjonsfella før 2024](https://www.dagsavisen.no/nyheter/ekspert-dette-er-den-storste-pensjonsfella-i-2024/6301339) og ga for et år siden [disse åtte tipsene](https://www.dagsavisen.no/nyheter/ekspert-atte-tips-om-pensjon-i-2025/9752099) om pensjon før 2025.\n\nØkningen for IPS-sparere er gunstig fordi ordningen gir deg en utsettelse av skatt fram til du tar ut det du har spart, tidligst som 62-åring. Du får et fradrag på innskuddet underveis, betaler ikke skatt på avkastningen underveis og heller ingen formuesskatt av det du har spart.\n\nIPS blir av mange sammenliknet med BSU, som er boligsparing for ungdom og unge voksne. Den viktigste forskjellen er at IPS ikke gir et permanent skattefradrag.\n\n– Individuell pensjonssparing er mer som et rentefritt lån, har Fuglevaag tidligere forklart.\n\nIPS gir utsatt skatt på 22 prosent av årlig sparebeløp, som per i dag utgjør 3.300 kroner dersom kontoen er fylt opp. Med en årlig sparegrense på 25.000 kroner, vil du få utsatt skatt på 5.500 av disse.\n\nBanker, livsforsikringsselskap, pensjonsforetak, verdipapirforetak og forvaltningsselskaper for verdipapirfond er eksempler på hvor du kan ha en IPS-konto.\n\nKilde: KLP\n\nFra 1. januar blir også 72 år ny øvre aldersgrense for å stå i jobb i offentlig sektor. Aldersgrensa heves fra dagens 70 år.\n\nDet betyr at du som ansatt i stat og kommune ikke lenger trenger å be arbeidsgiver om lov til å fortsette å jobbe når du fyller 70. Den nye aldersgrensa gjør også at det blir en felles øvre aldersgrense i arbeidslivet for ansatte både i privat og offentlig sektor.\n\n– Allerede ved årsskiftet trer denne endringen i kraft. Det er også viktig, da pensjonsalder ofte henger sammen med hvor god pensjonsutbetaling du får, forklarer Fuglevaag.\n\nDen nye aldersgrensa gjelder for alle som fyller 70 år 1. januar 2026 eller senere.\n\nBegge de to endringene fra nyttår, både økt sparegrense på IPS og økt aldersgrense, kommer som følge av fjorårets pensjonsforlik på Stortinget.\n\nFå nyhetsbrev fra Dagsavisen. Meld deg på [her](https://www.dagsavisen.no/om-dagsavisen/2023/12/20/fa-daglig-nyhetsbrev/)!\n\n- To endringer knyttet til pensjon fra 1. januar 2026 gjelder de aller fleste av oss og er verdt å merke seg, mener pensjonsekspert Steinar Fuglevaag i Fagforbundet.\n- Sparegrensa for individuell pensjonssparing (IPS) økes fra 15.000 til 25.000 kroner i året.\n- Den nye øvre aldersgrensen for å jobbe i offentlig sektor blir 72 år, noe som harmoniserer med privat sektor.\n\n- Du kan spare inntil 15.000 kr i 2025, enten som enkeltbeløp eller månedlig sparing, og få inntil 3.300 kr i utsatt skatt.\n- Du får utsatt skatt på 22 prosent av innbetalt beløp per år. Skattefordelen er i hovedsak en utsettelse av skatten, fordi både innbetalt beløp og gevinst blir beskattet ved utbetaling.\n- Det er ingen skatt på avkastningen mens pengene står på IPS-kontoen.\n- Pensjonskapitalen er fritatt for formuesskatt.\n- Utbetalingen blir beskattet som alminnelig inntekt.\n- Du kan velge en av flere spareprofiler og endre den senere om du ønsker det.\n- Du kan sette inn enkeltbeløp når du selv vil eller ha månedlig sparing. Du kan også ta pauser i sparingen eller slutte å spare når det passer deg.\n- IPS er ikke begrenset til aksjefond, men kan inneholde blant annet rentefond og kombinasjonsfond. Du kan også flytte din IPS til andre tilbydere.\n- Pengene er bundet fram til pensjonsalderen. Utbetalinger kan tidligst skje fra man er 62 år og må vare til man minst er 80 år.",
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   "metadata" : "{\"meta\":{\"viewport\":\"width=device-width, initial-scale=1\",\"title\":\"To viktige endringer i pensjon fra nyttår\",\"description\":\"Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.\"},\"schema\":{\"microdata\":{\"author\":\"FOTO: ipuwadol/Getty Images\",\"url\":\"\\n\\n\\n        \\n\\n\\n        \\n            \\n\\n        \\n\\n\\n\\n\\n        \",\"name\":\"Martin Næss Kristiansen\",\"headline\":\"Politiet avdekket kriminelt nettverk i Oslo\\n\",\"caption\":\"Pensjonssparing på IPS-konto vil bli mer gunstig fra 2026.\"}},\"keywords\":[\"individuell pensjonssparing\",\"fagforbundet\",\"arbeidsliv\",\"aldersgrense\",\"innenriks\",\"skattefordel\",\"nyheter\",\"pensjon\"],\"title\":\"To viktige endringer i pensjon fra nyttår\",\"image_url\":\"https://image.dagsavisen.no/9742935.jpg?imageId=9742935&x=0&y=0&cropw=100&croph=100&panox=0&panoy=0&panow=100&panoh=100&width=1200&height=683\",\"source_updated_at\":null,\"description\":\"Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.\",\"twitter\":{\"image\":\"https://image.dagsavisen.no/9742935.jpg?imageId=9742935&x=0&y=0&cropw=100&croph=100&panox=0&panoy=0&panow=100&panoh=100&width=1200&height=683\",\"description\":\"Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.\",\"title\":\"To viktige endringer i pensjon fra nyttår\",\"card\":\"summary_large_image\"},\"content\":\"# To viktige endringer i pensjon fra nyttår\\n\\n## Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.\\n\\n## Saken oppsummert\\n\\n## Massiv motstand mot Ap-forslag: – Uverdig\\n\\n## Gir skattefordel\\n\\n## Pensjon: Fordelene og ulempene ved IPS-sparing\\n\\n## Slik fungerer IPS\\n\\n## Lov til å jobbe lengre\\n\\n## Her er de viktigste kampene om pensjon i 2026\\n\\nInnenriks\\n\\nOppsummeringen er generert av Labrador AI, men gjennomlest av en journalist.\\n\\nDe to endringene er verdt å merke seg, ifølge pensjonsekspert Steinar Fuglevaag i Fagforbundet, da de gjelder de aller fleste av oss før vi en dag skal ta ut [pensjon](https://www.dagsavisen.no/tags/pensjon).\\n\\nDen ene regelendringen fra 1. januar er en ofte anbefalt spareordning til pensjon mot slutten av [arbeidslivet](https://www.dagsavisen.no/tags/arbeidsliv). Såkalt individuell pensjonssparing (IPS) vil lønne seg bedre allerede fra nyåret i 2026.\\n\\nTaket er hevet betraktelig for hvor mye du kan spare årlig til en IPS-konto. Øvre grense økes fra 15.000 til 25.000 kroner.\\n\\n– Det var et av Høyres krav i budsjettforliket, kommenterer Fuglevaag.\\n\\nHan har tidligere fortalt om [den store pensjonsfella før 2024](https://www.dagsavisen.no/nyheter/ekspert-dette-er-den-storste-pensjonsfella-i-2024/6301339) og ga for et år siden [disse åtte tipsene](https://www.dagsavisen.no/nyheter/ekspert-atte-tips-om-pensjon-i-2025/9752099) om pensjon før 2025.\\n\\nØkningen for IPS-sparere er gunstig fordi ordningen gir deg en utsettelse av skatt fram til du tar ut det du har spart, tidligst som 62-åring. Du får et fradrag på innskuddet underveis, betaler ikke skatt på avkastningen underveis og heller ingen formuesskatt av det du har spart.\\n\\nIPS blir av mange sammenliknet med BSU, som er boligsparing for ungdom og unge voksne. Den viktigste forskjellen er at IPS ikke gir et permanent skattefradrag.\\n\\n– Individuell pensjonssparing er mer som et rentefritt lån, har Fuglevaag tidligere forklart.\\n\\nIPS gir utsatt skatt på 22 prosent av årlig sparebeløp, som per i dag utgjør 3.300 kroner dersom kontoen er fylt opp. Med en årlig sparegrense på 25.000 kroner, vil du få utsatt skatt på 5.500 av disse.\\n\\nBanker, livsforsikringsselskap, pensjonsforetak, verdipapirforetak og forvaltningsselskaper for verdipapirfond er eksempler på hvor du kan ha en IPS-konto.\\n\\nKilde: KLP\\n\\nFra 1. januar blir også 72 år ny øvre aldersgrense for å stå i jobb i offentlig sektor. Aldersgrensa heves fra dagens 70 år.\\n\\nDet betyr at du som ansatt i stat og kommune ikke lenger trenger å be arbeidsgiver om lov til å fortsette å jobbe når du fyller 70. Den nye aldersgrensa gjør også at det blir en felles øvre aldersgrense i arbeidslivet for ansatte både i privat og offentlig sektor.\\n\\n– Allerede ved årsskiftet trer denne endringen i kraft. Det er også viktig, da pensjonsalder ofte henger sammen med hvor god pensjonsutbetaling du får, forklarer Fuglevaag.\\n\\nDen nye aldersgrensa gjelder for alle som fyller 70 år 1. januar 2026 eller senere.\\n\\nBegge de to endringene fra nyttår, både økt sparegrense på IPS og økt aldersgrense, kommer som følge av fjorårets pensjonsforlik på Stortinget.\\n\\nFå nyhetsbrev fra Dagsavisen. Meld deg på [her](https://www.dagsavisen.no/om-dagsavisen/2023/12/20/fa-daglig-nyhetsbrev/)!\\n\\n- To endringer knyttet til pensjon fra 1. januar 2026 gjelder de aller fleste av oss og er verdt å merke seg, mener pensjonsekspert Steinar Fuglevaag i Fagforbundet.\\n- Sparegrensa for individuell pensjonssparing (IPS) økes fra 15.000 til 25.000 kroner i året.\\n- Den nye øvre aldersgrensen for å jobbe i offentlig sektor blir 72 år, noe som harmoniserer med privat sektor.\\n\\n- Du kan spare inntil 15.000 kr i 2025, enten som enkeltbeløp eller månedlig sparing, og få inntil 3.300 kr i utsatt skatt.\\n- Du får utsatt skatt på 22 prosent av innbetalt beløp per år. Skattefordelen er i hovedsak en utsettelse av skatten, fordi både innbetalt beløp og gevinst blir beskattet ved utbetaling.\\n- Det er ingen skatt på avkastningen mens pengene står på IPS-kontoen.\\n- Pensjonskapitalen er fritatt for formuesskatt.\\n- Utbetalingen blir beskattet som alminnelig inntekt.\\n- Du kan velge en av flere spareprofiler og endre den senere om du ønsker det.\\n- Du kan sette inn enkeltbeløp når du selv vil eller ha månedlig sparing. Du kan også ta pauser i sparingen eller slutte å spare når det passer deg.\\n- IPS er ikke begrenset til aksjefond, men kan inneholde blant annet rentefond og kombinasjonsfond. Du kan også flytte din IPS til andre tilbydere.\\n- Pengene er bundet fram til pensjonsalderen. Utbetalinger kan tidligst skje fra man er 62 år og må vare til man minst er 80 år.\",\"author\":\"Martin Næss Kristiansen\",\"og\":{\"image\":\"https://image.dagsavisen.no/9742935.jpg?imageId=9742935&x=0&y=0&cropw=100&croph=100&panox=0&panoy=0&panow=100&panoh=100&width=1200&height=683\",\"url\":\"https://www.dagsavisen.no/nyheter/to-viktige-endringer-i-pensjon-fra-nyttar/10064656\",\"title\":\"To viktige endringer i pensjon fra nyttår\",\"image:height\":\"684\",\"type\":\"article\",\"image:width\":\"1200\",\"description\":\"Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.\"},\"raw_feed_item\":\"<item>\\n    <title><![CDATA[To viktige endringer i pensjon fra nyttår]]></title>\\n    <link>https://www.dagsavisen.no/nyheter/to-viktige-endringer-i-pensjon-fra-nyttar/10064656</link>\\n    <guid>https://www.dagsavisen.no/a/10064656</guid>\\n        <pubDate>2025-11-23T06:00:00+01:00</pubDate>\\n    <description><![CDATA[Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.]]></description>\\n     <enclosure length=\\\"0\\\" type=\\\"image/jpeg\\\" url=\\\"https://image.dagsavisen.no/9742935.webp?imageId=9742935&amp;x=0.00&amp;y=0.00&amp;cropw=100.00&amp;croph=100.00&amp;heightx=0.00&amp;heighty=0.00&amp;heightw=100.00&amp;heighth=100.00&amp;width=1058&amp;height=478&amp;format=jpg\\\" />\\n</item>\",\"published_at\":null}",
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href=\"https://api.dagsavisen.no/paywall/login?siteAlias=dagsavisen\" target=\"_self\">Logg inn</a>\n\t\t\t</li>\n\t\t\t<li class=\"first-list-item \">\n\t\t\t\t<a href=\"https://eavis.dagsavisen.no/?returnUrl=https%3A%2F%2Fwww.dagsavisen.no%2F\" target=\"_self\">Les e-avisen</a>\n\t\t\t</li>\n\t\t\t<li class=\"first-list-item has-children\">\n\t\t\t\t<span tabindex=\"0\">Nyheter</span>\n\t\t\t\t<ul class=\"children\">\n\t\t\t\t\t<li class=\"\">\n\t\t\t\t\t\t<a href=\"/nyheter\" target=\"_self\">Nyheter</a>\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"\">\n\t\t\t\t\t\t<a href=\"/innenriks\" target=\"_self\">Innenriks</a>\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"\">\n\t\t\t\t\t\t<a href=\"/verden\" target=\"_self\">Verden</a>\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"\">\n\t\t\t\t\t\t<a href=\"/portrett\" target=\"_self\">Portrett</a>\n\t\t\t\t\t</li>\n\t\t\t\t\t<li class=\"\">\n\t\t\t\t\t\t<a href=\"/reportasje\" 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                threshold: 1\n                    });\n                    var target = document.querySelector(event.target);\n                    if (target) {\n                        observer.observe(target);\n                    }\n                });\n            }\n        }());\n\n        window.Dac.clientData.paywall.toggleAuthenticatedContent(); \n    </script>\n</header>\n\n        \n\n        \n                \n\n\n        <section id=\"mainArticleSection\" class=\"main article\">\n            <div data-element-guid=\"aa5387cd-8ec5-4771-9920-ef13ebe712a5\" class=\"placeholder placement-top\">\n<div data-element-guid=\"2817865e-0413-4d84-94b0-875a5241d2e8\" class=\"column google-ad small-12 large-12 small-abs-12 large-abs-12 display-label\"  style=\"\">\n\n        <span class=\"ad-label\">Annonse</span>\n        <div class=\"adunit\" id=\"toppbanner\" style=\"min-height:150px;\"></div>\n        <script>\n            googletag.cmd.push(function() {\n                googletag.display('toppbanner');\n            });\n        </script>\n</div>\n\n</div>\n            <main class=\"pageWidth\">\n                <article class=\" \"\n                    \n                >\n\n                    <section class=\"main article k5a-article\" id=\"main\">\n\n                            <div></div>\n<script>\n(function() {\n    let windowUrl = window.location.href;\n    windowUrl = windowUrl.substring(windowUrl.indexOf('?') + 1);\n    let messageElement = document.querySelector('.shareableMessage');\n    if (windowUrl && windowUrl.includes('code') && windowUrl.includes('expires')) {\n        messageElement.style.display = 'block';\n    } \n})();\n</script>\n\n\n                        <div data-element-guid=\"5bf70645-f258-4c7e-9129-5e72713d4e1e\" class=\"articleHeader column hasCaption\">\n\n    \n\n\n    <h1 class=\"headline mainTitle \" style=\"\">To viktige endringer i pensjon fra nyttår</h1>\n    <h2 class=\"subtitle \" style=\"\">Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.</h2>\n\n\n\n    <div class=\"media\">\n            \n            <figure data-element-guid=\"766ab6b5-849a-4c47-b528-06aa26532070\" class=\"headerImage\">\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/9742935.webp?imageId=9742935&x=0.00&y=7.19&cropw=100.00&croph=85.63&width=1968&height=1122&format=webp\" \n                width=\"984\"\n                height=\"561\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/9742935.webp?imageId=9742935&x=0.00&y=7.19&cropw=100.00&croph=85.63&width=1968&height=1122&format=jpg\" \n                width=\"984\"\n                height=\"561\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/9742935.webp?imageId=9742935&x=0.00&y=7.19&cropw=100.00&croph=85.63&width=960&height=548&format=webp\" \n                width=\"480\"\n                height=\"274\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/9742935.webp?imageId=9742935&x=0.00&y=7.19&cropw=100.00&croph=85.63&width=960&height=548&format=jpg\" \n                width=\"480\"\n                height=\"274\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/9742935.webp?imageId=9742935&x=0.00&y=7.19&cropw=100.00&croph=85.63&width=960&height=548&format=jpg\"\n                width=\"480\"\n                height=\"274\"\n                title=\"Pensjonssparing på IPS-konto vil bli mer gunstig fra 2026.\"\n                alt=\"\" \n                \n                style=\"\"    \n                >\n        </picture>        \n        \n    </div>\n    \n</figure>\n\n            \n            \n            \n            \n            \n            \n            \n            \n            \n            \n            \n        <div class=\"floatingText\"></div>\n    </div>\n\n\n    <div class=\"caption \" data-showmore=\"Vis mer\">\n        <figcaption itemprop=\"caption\" class=\"\">Pensjonssparing på IPS-konto vil bli mer gunstig fra 2026.</figcaption>\n        <figcaption itemprop=\"author\" class=\"\" data-byline-prefix=\"\">FOTO: ipuwadol/Getty Images</figcaption>\n    </div>\n\n\n\n    <p class=\"kicker tertiary color_mobile_tertiary\" style=\"\">Innenriks</p>\n\n\n        <div data-element-guid=\"46006148-d3e5-405e-b3af-fa187847fac9\" class=\"meta\">\n    \n\n    <div class=\"bylines\">\n        <div data-element-guid=\"517f06ff-df69-4bcd-adf0-224203b663f6\" class=\"byline column\" itemscope itemtype=\"http://schema.org/Person\">\n    \n    <div class=\"content\">\n            <figure data-element-guid=\"89459daa-3df0-4b24-b19a-5cc796f18ce1\">\n    <picture>\n        <img\n            itemprop=\"image\"\n            src=\"https://image.dagsavisen.no/9804317.webp?imageId=9804317&x=12.06&y=0.50&cropw=72.00&croph=71.94&width=360&height=360\"\n            width=\"180\"\n            height=\"180\"\n            alt=\"Martin Næss Kristiansen\">\n    </picture>\n</figure>\n        <address class=\"name\">\n                <a rel=\"author\" itemprop=\"url\" href=\"mailto:martin@dagsavisen.no\">\n                <span class=\"lab-hidden-byline-name\" itemprop=\"name\">Martin Næss Kristiansen</span>\n                    <span class=\"firstname \">Martin Næss</span>\n                    <span class=\"lastname \">Kristiansen</span>\n                </a>\n\n                <span class=\"lab-hidden-byline-name\" itemprop=\"name\">Martin Næss Kristiansen</span>\n                    <span class=\"description \">Journalist</span>\n        </address>\n    </div>\n</div>\n\n        \n    </div>\n    \n    <div class=\"dates\">\n    \n        <span class=\"dateGroup datePublished\">\n            <span class=\"dateLabel\">Publisert</span>\n            <time datetime=\"2025-11-23T05:00:00.000Z\" title=\"Publisert 23.11.2025 - 06:00\">23.11.2025 - 06:00</time>\n        </span>\n            <span class=\"dateGroup dateModified\">\n                <span class=\"dateLabel\">Sist oppdatert</span>\n                <time datetime=\"2025-11-23T08:15:41.000Z\" title=\"Sist oppdatert 23.11.2025 - 09:15\">23.11.2025 - 09:15</time>\n            </span>\n    </div>\n\n    <div class=\"read-time\">\n        <span>Lesetid: <span class=\"read-time-value\">2 min</span></span>\n    </div>\n\n    <div class=\"social\">\n            <a target=\"blank\" href=\"https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.dagsavisen.no%2Fnyheter%2Fto-viktige-endringer-i-pensjon-fra-nyttar%2F10064656\" class=\"fi-social-facebook\" aria-label=\"Del på Facebook\"></a>\n            <a target=\"blank\" href=\"mailto:?subject=To%20viktige%20endringer%20i%20pensjon%20fra%20nytt%C3%A5r&body=Fra%201.%20januar%20trer%20to%20viktige%20endringer%20i%20kraft%20%E2%80%93%20en%20aldersgrense%20og%20en%20bedre%20sparemulighet.%0Dhttps%3A%2F%2Fwww.dagsavisen.no%2Fnyheter%2Fto-viktige-endringer-i-pensjon-fra-nyttar%2F10064656\" class=\"fi-mail\" aria-label=\"Del via e-mail\"></a>\n    </div>\n\n\n\n</div>\n\n</div>\n\n\n                        \n\n                        \n                        <div data-element-guid=\"c5d550bf-a67a-48de-a8ac-537f4f7698a4\" class=\"placeholder fullWidth\">\n<div data-element-guid=\"2b7739ad-91e3-4660-9abe-5ca0ae9db690\" class=\"column google-ad small-12 large-12 small-abs-12 large-abs-12 display-label\"  style=\"\">\n\n        <span class=\"ad-label\">Annonse</span>\n        <div class=\"adunit\" id=\"nettbanner1\" ></div>\n        <script>\n            googletag.cmd.push(function() {\n                googletag.display('nettbanner1');\n            });\n        </script>\n</div>\n\n</div>\n\n\n                        \n\n                        <div data-element-guid=\"46006148-d3e5-405e-b3af-fa187847fac9\" class=\"bodytext large-12 small-12 medium-12\">\n    \n    \n\n    <div data-element-guid=\"102a9be3-411b-48dd-bf8b-87b34a979731\" id=\"factbox-10067193\" class=\"column factbox desktop-floatCenter mobile-floatCenter state-expanded-desktop small-12 large-8 small-abs-12 large-abs-8 style-fade expandable-mobile expandable-desktop collapsable-mobile collapsable-desktop\">\n    \n    <div class=\"content bg-tertiary color_mobile_bg-tertiary hasContentPadding mobile-hasContentPadding\" style=\"\">\n        \n        \n        <h2 class=\"\" style=\"\">Saken oppsummert</h2>\n        <div class=\"fact collapsableContent \"><ul><li class=\"lab-bodytext-line\">To endringer knyttet til pensjon fra 1. januar 2026 gjelder de aller fleste av oss og er verdt å merke seg, mener pensjonsekspert Steinar Fuglevaag i Fagforbundet.</li><li class=\"lab-bodytext-line\">Sparegrensa for individuell pensjonssparing (IPS) økes fra 15.000 til 25.000 kroner i året.</li><li class=\"lab-bodytext-line\">Den nye øvre aldersgrensen for å jobbe i offentlig sektor blir 72 år, noe som harmoniserer med privat sektor.</li></ul><p class=\"italic ai-disclaimer\" data-lab-italic=\"italic\">Oppsummeringen er generert av Labrador AI, men gjennomlest av en journalist.</p></div>\n        <div class=\"toggle\"></div>\n    </div>\n\n    <script>\n    (function () {\n        var box = document.getElementById('factbox-10067193');\n        if (box) {\n            var toggleEl = box.querySelector('.toggle');\n            if (toggleEl) {\n                var isExpanded = box.classList.contains(`state-expanded-${window.Dac.clientData.labDevice}`);\n                toggleEl.addEventListener('click', function(event) {\n                    event.preventDefault();\n                    event.stopPropagation();\n                    isExpanded = !isExpanded;\n                    if (!isExpanded) {\n                        box.classList.remove('state-expanded-mobile', 'state-expanded-desktop');\n                        const rect = box.getBoundingClientRect();\n                        const inViewport = rect.top >= 0 && rect.top <= window.innerHeight;\n                        if (!inViewport) {\n                            box.scrollIntoView({ behavior: 'smooth' });\n                        }\n                    } else {\n                        box.classList.add('state-expanded-mobile', 'state-expanded-desktop');\n                    }\n                }, false);\n            }\n        }\n    }());\n    </script>\n</div>\n<p>De to endringene er verdt å merke seg, ifølge pensjonsekspert Steinar Fuglevaag i Fagforbundet, da de gjelder de aller fleste av oss før vi en dag skal ta ut <a href=\"https://www.dagsavisen.no/tags/pensjon\">pensjon</a>.</p><p>Den ene regelendringen fra 1. januar er en ofte anbefalt spareordning til pensjon mot slutten av <a href=\"https://www.dagsavisen.no/tags/arbeidsliv\">arbeidslivet</a>. Såkalt individuell pensjonssparing (IPS) vil lønne seg bedre allerede fra nyåret i 2026.</p><article data-element-guid=\"337fc06d-ce5e-4474-8fe6-a99563edc8e5\" class=\"column desktop-floatCenter mobile-floatCenter paywall small-12 large-8 small-abs-12 large-abs-8 \" data-site-alias=\"dagsavisen\" data-section=\"nyheter\" data-instance=\"10062423\" data-image-float=\"floatRight\" itemscope>\n    \n    <div class=\"content bg-tertiary color_mobile_bg-tertiary op-bg_60 color_mobile_op-bg_60 border-bg-secondary mobile_border-bg-secondary vertical-text-align-center mobile-vertical-text-align-center hasContentPadding mobile-hasContentPadding hasBorder mobile-hasBorder\" style=\"\">\n        \n        <a itemprop=\"url\" class=\"\" href=\"/nyheter/massiv-motstand-mot-ap-forslag-uverdig/10062423\" data-k5a-url=\"https://www.dagsavisen.no/a/10062423\" rel=\"\">\n\n\n        <div class=\"media desktop-floatRight mobile-floatRight\">\n                \n\n                <figure data-element-guid=\"bdce5a60-b9e1-479c-9e89-b8d21a6adb7f\" class=\"desktop-floatRight mobile-floatRight\" style=\"width:184px;\">\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/10063670.webp?imageId=10063670&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=368&height=204&format=webp\" \n                width=\"184\"\n                height=\"102\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10063670.webp?imageId=10063670&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=368&height=204&format=jpg\" \n                width=\"184\"\n                height=\"102\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/10063670.webp?imageId=10063670&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=250&height=188&format=webp\" \n                width=\"125\"\n                height=\"94\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10063670.webp?imageId=10063670&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=250&height=188&format=jpg\" \n                width=\"125\"\n                height=\"94\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/10063670.webp?imageId=10063670&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=250&height=188&format=jpg\"\n                width=\"125\"\n                height=\"94\"\n                title=\"Massiv motstand mot Ap-forslag: – Uverdig\"\n                alt=\"\" \n                loading=\"lazy\"\n                style=\"\"    \n                >\n        </picture>        \n            </div>\n    \n</figure>\n\n                \n                \n                \n                \n                \n                \n                \n            \n            <div class=\"floatingText\">\n\n                <div class=\"labels\">\n                </div>\n            </div>\n            \n\n        </div>\n\n            <div class=\"vertically-aligned-text\">\n\n        \n            <h2 itemprop=\"headline\" \n    class=\"headline t19 tm14\"\n    style=\"\"\n    >Massiv motstand mot Ap-forslag: – Uverdig\n</h2>\n\n        \n\n            </div>\n\n\n\n        </a>\n\n        <time itemprop=\"datePublished\" datetime=\"2025-11-19T06:00:00+01:00\"></time>\n    </div>\n</article>\n<h2>Gir skattefordel</h2><p>Taket er hevet betraktelig for hvor mye du kan spare årlig til en IPS-konto. Øvre grense økes fra 15.000 til 25.000 kroner.</p><div data-element-guid=\"3e5b0b5a-ec2a-4385-f74d-ab75d6216d4f\" class=\"column google-ad display-label widthFull\"  style=\"\">\n\n        <span class=\"ad-label\">Annonse</span>\n        <div class=\"adunit\" id=\"articleboard/board1\" ></div>\n        <script>\n            googletag.cmd.push(function() {\n                googletag.display('articleboard/board1');\n            });\n        </script>\n</div>\n<p> – Det var et av Høyres krav i budsjettforliket, kommenterer Fuglevaag.</p><p> Han har tidligere fortalt om&nbsp;<a href=\"https://www.dagsavisen.no/nyheter/ekspert-dette-er-den-storste-pensjonsfella-i-2024/6301339\">den store pensjonsfella før 2024</a>&nbsp;og ga for et år siden&nbsp;<a href=\"https://www.dagsavisen.no/nyheter/ekspert-atte-tips-om-pensjon-i-2025/9752099\">disse åtte tipsene</a>&nbsp;om pensjon før 2025. <br></p><div data-element-guid=\"87aed290-22e9-4237-93c4-42eb12c1141a\" id=\"markup_10071261\" class=\"markupbox column desktop-floatCenter mobile-floatCenter small-12 large-8 small-abs-12 large-abs-8\">\n    \n    <div class=\"content fullwidthTarget\" style=\"\">\n\n        \n\n        \n\n            <script data-wid=\"auto\" type=\"text/javascript\" src=\"https://content.viralize.tv/display/?zid=AAEU4R86_QAFkLJ0&amp;cid=ABG_57MxQsJ9QNgb\"></script>\n\n        \n        \n    </div>\n</div>\n<p>Økningen for IPS-sparere er gunstig fordi&nbsp;ordningen gir deg en utsettelse av skatt fram til du tar ut det du har spart, tidligst som 62-åring. Du får et fradrag på innskuddet underveis, betaler ikke skatt på avkastningen underveis og heller ingen formuesskatt av det du har spart.</p><article data-element-guid=\"ef32974a-a467-4db6-a467-f2b8f7b97417\" class=\"column desktop-floatCenter mobile-floatCenter paywall small-12 large-8 small-abs-12 large-abs-8 \" data-site-alias=\"dagsavisen\" data-section=\"nyheter\" data-instance=\"6777338\" data-image-float=\"floatRight\" itemscope>\n    \n    <div class=\"content bg-tertiary color_mobile_bg-tertiary op-bg_60 color_mobile_op-bg_60 border-bg-secondary mobile_border-bg-secondary vertical-text-align-center mobile-vertical-text-align-center hasContentPadding mobile-hasContentPadding hasBorder mobile-hasBorder\" style=\"\">\n        \n        <a itemprop=\"url\" class=\"\" href=\"/nyheter/pensjon-fordelene-og-ulempene-ved-ips-sparing/6777338\" data-k5a-url=\"https://www.dagsavisen.no/a/6777338\" rel=\"\">\n\n\n        <div class=\"media desktop-floatRight mobile-floatRight\">\n                \n\n                <figure data-element-guid=\"fc3b1c4e-ce6f-412d-b56a-1379169db8d9\" class=\"desktop-floatRight mobile-floatRight\" style=\"width:184px;\">\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/6777423.webp?imageId=6777423&x=0.00&y=0.00&cropw=0.00&croph=0.00&heightx=0.00&heighty=0.00&heightw=0.00&heighth=0.00&width=368&height=204&format=webp\" \n                width=\"184\"\n                height=\"102\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/6777423.webp?imageId=6777423&x=0.00&y=0.00&cropw=0.00&croph=0.00&heightx=0.00&heighty=0.00&heightw=0.00&heighth=0.00&width=368&height=204&format=jpg\" \n                width=\"184\"\n                height=\"102\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/6777423.webp?imageId=6777423&x=0.00&y=0.00&cropw=0.00&croph=0.00&heightx=0.00&heighty=0.00&heightw=0.00&heighth=0.00&width=250&height=188&format=webp\" \n                width=\"125\"\n                height=\"94\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/6777423.webp?imageId=6777423&x=0.00&y=0.00&cropw=0.00&croph=0.00&heightx=0.00&heighty=0.00&heightw=0.00&heighth=0.00&width=250&height=188&format=jpg\" \n                width=\"125\"\n                height=\"94\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/6777423.webp?imageId=6777423&x=0.00&y=0.00&cropw=0.00&croph=0.00&heightx=0.00&heighty=0.00&heightw=0.00&heighth=0.00&width=250&height=188&format=jpg\"\n                width=\"125\"\n                height=\"94\"\n                title=\"Pensjon: Fordelene og ulempene ved IPS-sparing\"\n                alt=\"\" \n                loading=\"lazy\"\n                style=\"\"    \n                >\n        </picture>        \n            </div>\n    \n</figure>\n\n                \n                \n                \n                \n                \n                \n                \n            \n            <div class=\"floatingText\">\n\n                <div class=\"labels\">\n                </div>\n            </div>\n            \n\n        </div>\n\n            <div class=\"vertically-aligned-text\">\n\n        \n            <h2 itemprop=\"headline\" \n    class=\"headline t19 tm14\"\n    style=\"\"\n    >Pensjon: Fordelene og ulempene ved IPS-sparing\n</h2>\n\n        \n\n            </div>\n\n\n\n        </a>\n\n        <time itemprop=\"datePublished\" datetime=\"2024-06-17T06:00:00+02:00\"></time>\n    </div>\n</article>\n<p>IPS blir av mange sammenliknet med BSU, som er boligsparing for ungdom og unge voksne. Den viktigste forskjellen er at IPS ikke gir et permanent skattefradrag.</p><div data-element-guid=\"f123c465-b5b4-4f16-d72d-2cbb19f78e96\" class=\"column google-ad display-label widthFull\"  style=\"\">\n\n        <span class=\"ad-label\">Annonse</span>\n        <div class=\"adunit\" id=\"articleboard/board2\" ></div>\n        <script>\n            googletag.cmd.push(function() {\n                googletag.display('articleboard/board2');\n            });\n        </script>\n</div>\n<p> – Individuell pensjonssparing er mer som et rentefritt lån, har Fuglevaag tidligere forklart.<br></p><p>IPS gir utsatt skatt på 22 prosent av årlig sparebeløp, som per i dag utgjør 3.300 kroner dersom kontoen er fylt opp. Med en årlig sparegrense på 25.000 kroner, vil du få utsatt skatt på 5.500 av disse.</p><p>Banker, livsforsikringsselskap, pensjonsforetak, verdipapirforetak og forvaltningsselskaper for verdipapirfond er eksempler på hvor du kan ha en IPS-konto. <br></p><div data-element-guid=\"eb6bfe58-7f5f-40eb-b6b8-8eac95cf90e7\" id=\"factbox-10067101\" class=\"column factbox desktop-floatCenter mobile-floatCenter state-expanded-desktop small-12 large-8 small-abs-12 large-abs-8 style-fade expandable-mobile expandable-desktop collapsable-mobile collapsable-desktop\">\n    \n    <div class=\"content bg-tertiary color_mobile_bg-tertiary hasContentPadding mobile-hasContentPadding\" style=\"\">\n        \n        \n        <h2 class=\"\" style=\"\">Slik fungerer IPS</h2>\n        <div class=\"fact collapsableContent \"><ul><li>Du kan spare inntil 15.000 kr i 2025, enten som enkeltbeløp eller månedlig sparing, og få inntil 3.300 kr i utsatt skatt.</li><li>Du får utsatt skatt på 22 prosent av innbetalt beløp per år. Skattefordelen er i hovedsak en utsettelse av skatten, fordi både innbetalt beløp og gevinst blir beskattet ved utbetaling.</li><li>Det er ingen skatt på avkastningen mens pengene står på IPS-kontoen.</li><li>Pensjonskapitalen er fritatt for formuesskatt.</li><li>Utbetalingen blir beskattet som alminnelig inntekt.</li><li>Du kan velge en av flere spareprofiler og endre den senere om du ønsker det.</li><li>Du kan sette inn enkeltbeløp når du selv vil eller ha månedlig sparing. Du kan også ta pauser i sparingen eller slutte å spare når det passer deg.</li><li>IPS er ikke begrenset til aksjefond, men kan inneholde blant annet rentefond og kombinasjonsfond. Du kan også flytte din IPS til andre tilbydere.</li><li>Pengene er bundet fram til pensjonsalderen. Utbetalinger kan tidligst skje fra man er 62 år og må vare til man minst er 80 år.</li></ul><p><span data-lab-italic=\"italic\" class=\"italic m-italic\">Kilde:&nbsp;<a href=\"https://www.klp.no/pensjon/ips?gad_source=1&amp;gclid=CjwKCAjwjqWzBhAqEiwAQmtgTzftMDhi_WKWe56S6GYbqu4MKS5BO1iD2A694Qa_2kjtlyXeOZHQ5hoCGr0QAvD_BwE\" target=\"_blank\">KLP</a></span></p></div>\n        <div class=\"toggle\"></div>\n    </div>\n\n    <script>\n    (function () {\n        var box = document.getElementById('factbox-10067101');\n        if (box) {\n            var toggleEl = box.querySelector('.toggle');\n            if (toggleEl) {\n                var isExpanded = box.classList.contains(`state-expanded-${window.Dac.clientData.labDevice}`);\n                toggleEl.addEventListener('click', function(event) {\n                    event.preventDefault();\n                    event.stopPropagation();\n                    isExpanded = !isExpanded;\n                    if (!isExpanded) {\n                        box.classList.remove('state-expanded-mobile', 'state-expanded-desktop');\n                        const rect = box.getBoundingClientRect();\n                        const inViewport = rect.top >= 0 && rect.top <= window.innerHeight;\n                        if (!inViewport) {\n                            box.scrollIntoView({ behavior: 'smooth' });\n                        }\n                    } else {\n                        box.classList.add('state-expanded-mobile', 'state-expanded-desktop');\n                    }\n                }, false);\n            }\n        }\n    }());\n    </script>\n</div>\n<h2>Lov til å jobbe lengre</h2><div data-element-guid=\"a2802ecb-9a8d-418c-f485-7c7c2d59f69d\" class=\"column google-ad display-label widthFull\"  style=\"\">\n\n        <span class=\"ad-label\">Annonse</span>\n        <div class=\"adunit\" id=\"articleboard/board3\" ></div>\n        <script>\n            googletag.cmd.push(function() {\n                googletag.display('articleboard/board3');\n            });\n        </script>\n</div>\n<p>Fra 1. januar blir også 72 år ny øvre aldersgrense for å stå i jobb i offentlig sektor. Aldersgrensa heves fra dagens 70 år.<br></p><p>Det betyr at du som ansatt i stat og kommune ikke lenger trenger å be arbeidsgiver om lov til å fortsette å jobbe når du fyller 70. Den nye aldersgrensa gjør også at det blir en felles øvre aldersgrense i arbeidslivet for ansatte både i privat og offentlig sektor.</p><p> – Allerede ved årsskiftet trer denne endringen i kraft. Det er også viktig, da pensjonsalder ofte henger sammen med hvor god pensjonsutbetaling du får, forklarer Fuglevaag.</p><p> Den nye aldersgrensa gjelder for alle som fyller 70 år 1. januar 2026 eller senere.<br></p><div data-element-guid=\"ad620920-b0e8-44c8-c713-3db9b2f3d047\" class=\"column google-ad display-label widthFull\"  style=\"\">\n\n        <span class=\"ad-label\">Annonse</span>\n        <div class=\"adunit\" id=\"articleboard/board4\" ></div>\n        <script>\n            googletag.cmd.push(function() {\n                googletag.display('articleboard/board4');\n            });\n        </script>\n</div>\n<p>Begge de to endringene fra nyttår, både økt sparegrense på IPS og økt aldersgrense, kommer som følge av fjorårets pensjonsforlik på Stortinget.</p><article data-element-guid=\"3cdbe99b-0109-4112-bb23-8ae04f44d80e\" class=\"column desktop-floatCenter mobile-floatCenter paywall small-12 large-8 small-abs-12 large-abs-8 \" data-site-alias=\"dagsavisen\" data-section=\"nyheter\" data-instance=\"10056171\" data-image-float=\"floatRight\" itemscope>\n    \n    <div class=\"content bg-tertiary color_mobile_bg-tertiary op-bg_60 color_mobile_op-bg_60 border-bg-secondary mobile_border-bg-secondary vertical-text-align-center mobile-vertical-text-align-center hasContentPadding mobile-hasContentPadding hasBorder mobile-hasBorder\" style=\"\">\n        \n        <a itemprop=\"url\" class=\"\" href=\"/nyheter/her-er-de-viktigste-kampene-om-pensjon-i-2026/10056171\" data-k5a-url=\"https://www.dagsavisen.no/a/10056171\" rel=\"\">\n\n\n        <div class=\"media desktop-floatRight mobile-floatRight\">\n                \n\n                <figure data-element-guid=\"c07e793a-9e8e-4c67-990b-537289a69290\" class=\"desktop-floatRight mobile-floatRight\" style=\"width:184px;\">\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/10063047.webp?imageId=10063047&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=368&height=204&format=webp\" \n                width=\"184\"\n                height=\"102\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10063047.webp?imageId=10063047&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=368&height=204&format=jpg\" \n                width=\"184\"\n                height=\"102\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/10063047.webp?imageId=10063047&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=250&height=188&format=webp\" \n                width=\"125\"\n                height=\"94\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10063047.webp?imageId=10063047&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=250&height=188&format=jpg\" \n                width=\"125\"\n                height=\"94\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/10063047.webp?imageId=10063047&x=0.00&y=0.00&cropw=100.00&croph=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=250&height=188&format=jpg\"\n                width=\"125\"\n                height=\"94\"\n                title=\"Her er de viktigste kampene om pensjon i 2026\"\n                alt=\"\" \n                loading=\"lazy\"\n                style=\"\"    \n                >\n        </picture>        \n            </div>\n    \n</figure>\n\n                \n                \n                \n                \n                \n                \n                \n            \n            <div class=\"floatingText\">\n\n                <div class=\"labels\">\n                </div>\n            </div>\n            \n\n        </div>\n\n            <div class=\"vertically-aligned-text\">\n\n        \n            <h2 itemprop=\"headline\" \n    class=\"headline t19 tm14\"\n    style=\"\"\n    >Her er de viktigste kampene om pensjon i 2026\n</h2>\n\n        \n\n            </div>\n\n\n\n        </a>\n\n        <time itemprop=\"datePublished\" datetime=\"2025-11-20T06:00:00+01:00\"></time>\n    </div>\n</article>\n<p class=\"no_italic m-no_italic\" data-lab-italic=\"\">Få nyhetsbrev fra Dagsavisen. Meld deg på&nbsp;<a href=\"https://www.dagsavisen.no/om-dagsavisen/2023/12/20/fa-daglig-nyhetsbrev/\">her</a>!</p>\n\n    \n\n    \n</div>\n\n\n                        \n\n\n                        \n<div data-element-guid=\"46006148-d3e5-405e-b3af-fa187847fac9\" class=\"column articleFooter\">\n    <span class=\"tags\">\n        <a href=\"/tags/individuell%20pensjonssparing\">individuell pensjonssparing</a>\n        <a href=\"/tags/fagforbundet\">fagforbundet</a>\n        <a href=\"/tags/arbeidsliv\">arbeidsliv</a>\n        <a href=\"/tags/aldersgrense\">aldersgrense</a>\n        <a href=\"/tags/innenriks\">innenriks</a>\n        <a href=\"/tags/skattefordel\">skattefordel</a>\n        <a href=\"/tags/nyheter\">nyheter</a>\n        <a href=\"/tags/pensjon\">pensjon</a>\n    </span>\n    \n</div>\n\n\n                        <div class=\"row social\">\n                            <div class=\"column large-12 small-12\">\n                                    <a target=\"blank\" href=\"https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.dagsavisen.no%2Fnyheter%2Fto-viktige-endringer-i-pensjon-fra-nyttar%2F10064656\" class=\"fi-social-facebook\" aria-label=\"Del på Facebook\"></a>\n                                    <a target=\"blank\" href=\"mailto:?subject=To%20viktige%20endringer%20i%20pensjon%20fra%20nytt%C3%A5r&body=Fra%201.%20januar%20trer%20to%20viktige%20endringer%20i%20kraft%20%E2%80%93%20en%20aldersgrense%20og%20en%20bedre%20sparemulighet.%0Dhttps%3A%2F%2Fwww.dagsavisen.no%2Fnyheter%2Fto-viktige-endringer-i-pensjon-fra-nyttar%2F10064656\" class=\"fi-mail\" aria-label=\"Del via e-mail\"></a>\n                            </div>\n                        </div>\n\n                    </section>\n                    \n                </article>\n                <section class=\"related desktop-fullWidth mobile-fullWidth fullwidthTarget\">\n                <div data-element-guid=\"d2a5d9ea-1726-49c0-9416-31a8c4398305\" class=\"page-content\"><div data-element-guid=\"da60654d-9c0d-4059-9928-88ff8231b975\" class=\"row small-12 large-12\" style=\"\">\n<!-- placeholder(#1) -->\n<div data-element-guid=\"889475d0-9c3c-4b51-b57e-71304993c131\" class=\"front_rows small-12 large-12 small-abs-12 large-abs-12 large-12 small-12\">\n    \n    <div class=\"content fullwidthTarget\" style=\"\">\n            \n            <div data-element-guid=\"5de07c53-01d3-47bb-be6e-597a6a6b37d8\" class=\"row small-12 large-12\" style=\"\"><div data-element-guid=\"676e9362-fb2a-47e1-871b-5e0b8006f50c\" id=\"markup_9634045\" class=\"markupbox column small-12 large-12 small-abs-12 large-abs-12\">\n    \n    <div class=\"content fullwidthTarget\" style=\"\">\n\n        \n\n        \n\n            <div id=\"belowarticle\"></div>\n\n        \n        \n    </div>\n</div>\n</div>\n<div data-element-guid=\"e815b6f3-e10a-47f1-8a8e-5e3579dc2696\" class=\"row small-12 large-12\" style=\"\"><div data-element-guid=\"64458b00-1581-4327-8268-468fcee6b7cb\" id=\"markup_9634042\" class=\"markupbox column small-12 large-12 small-abs-12 large-abs-12\">\n    \n    <div class=\"content fullwidthTarget\" style=\"\">\n\n        \n\n        \n\n            <div class=\"strossle-widget\"></div>\n\n        \n        \n    </div>\n</div>\n</div>\n<div data-element-guid=\"c83a61a6-4990-4ad2-b189-b0a9a81d9b88\" class=\"row small-12 large-12\" style=\"\"><article data-element-guid=\"895f4156-0195-463e-949c-d6aaae7fcf4b\" class=\"column paywall small-12 large-6 small-abs-12 large-abs-6 \" data-site-alias=\"dagsavisen\" data-section=\"nyheter\" data-instance=\"4218051\" itemscope>\n    \n    <div class=\"content\" style=\"\">\n        \n        <a itemprop=\"url\" class=\"\" href=\"https://www.dagsavisen.no/nyheter/ekspert-frykter-ny-fredsavtale-veldig-darlig-for-bade-ukraina-og-nato-landene/10076140\" data-k5a-url=\"https://www.dagsavisen.no/a/10076140\" rel=\"\">\n\n\n        <div class=\"media \">\n                \n\n                <figure data-element-guid=\"3614a30f-58c1-493c-8acc-168df1442d63\" class=\"\" >\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/10076154.jpg?imageId=10076154&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=1058&height=478&format=webp&format=webp\" \n                width=\"529\"\n                height=\"239\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10076154.jpg?imageId=10076154&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=1058&height=478&format=webp&format=jpg\" \n                width=\"529\"\n                height=\"239\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/10076154.jpg?imageId=10076154&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=960&height=432&format=webp&format=webp\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10076154.jpg?imageId=10076154&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=960&height=432&format=webp&format=jpg\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/10076154.jpg?imageId=10076154&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=960&height=432&format=webp&format=jpg\"\n                width=\"480\"\n                height=\"216\"\n                title=\"Ekspert frykter ny fredsavtale: – Veldig dårlig for både Ukraina og Nato-landene\"\n                alt=\"\" \n                loading=\"lazy\"\n                style=\"\"    \n                >\n        </picture>        \n            </div>\n    \n</figure>\n\n                \n                \n                \n                \n                \n                \n                \n            \n            <div class=\"floatingText\">\n\n                <div class=\"labels\">\n                </div>\n            </div>\n            \n\n        </div>\n\n\n        \n            <h2 itemprop=\"headline\" \n    class=\"headline \"\n    style=\"\"\n    >Ekspert frykter ny fredsavtale: – Veldig dårlig for både Ukraina og Nato-landene\n</h2>\n\n        \n\n\n\n\n        </a>\n\n        <time itemprop=\"datePublished\" datetime=\"2025-11-25T22:08:02+01:00\"></time>\n    </div>\n</article>\n<article data-element-guid=\"473ec2fa-f836-4cf2-a0a3-1b97110fb0d5\" class=\"column paywall small-12 large-6 small-abs-12 large-abs-6 \" data-site-alias=\"dagsavisen\" data-section=\"nyheter\" data-instance=\"4218053\" itemscope>\n    \n    <div class=\"content\" style=\"\">\n        \n        <a itemprop=\"url\" class=\"\" href=\"https://www.dagsavisen.no/nyheter/nord-norge-raser-regjeringen-vil-flytte-sykepleierstudier-til-oslo/10072934\" data-k5a-url=\"https://www.dagsavisen.no/a/10072934\" rel=\"\">\n\n\n        <div class=\"media \">\n                \n\n                <figure data-element-guid=\"4bcefc7a-ca20-47eb-9f62-91e85dd42b68\" class=\"\" >\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/10076158.jpg?imageId=10076158&panox=0.00&panoy=0.00&panow=100.00&panoh=71.27&heightx=23.89&heighty=0.00&heightw=41.43&heighth=100.00&width=1058&height=478&format=webp&format=webp\" \n                width=\"529\"\n                height=\"239\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10076158.jpg?imageId=10076158&panox=0.00&panoy=0.00&panow=100.00&panoh=71.27&heightx=23.89&heighty=0.00&heightw=41.43&heighth=100.00&width=1058&height=478&format=webp&format=jpg\" \n                width=\"529\"\n                height=\"239\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/10076158.jpg?imageId=10076158&panox=0.00&panoy=0.00&panow=100.00&panoh=71.27&heightx=23.89&heighty=0.00&heightw=41.43&heighth=100.00&width=960&height=432&format=webp&format=webp\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10076158.jpg?imageId=10076158&panox=0.00&panoy=0.00&panow=100.00&panoh=71.27&heightx=23.89&heighty=0.00&heightw=41.43&heighth=100.00&width=960&height=432&format=webp&format=jpg\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/10076158.jpg?imageId=10076158&panox=0.00&panoy=0.00&panow=100.00&panoh=71.27&heightx=23.89&heighty=0.00&heightw=41.43&heighth=100.00&width=960&height=432&format=webp&format=jpg\"\n                width=\"480\"\n                height=\"216\"\n                title=\"Nord-Norge raser: Regjeringen vil flytte sykepleierstudier til Oslo\"\n                alt=\"\" \n                loading=\"lazy\"\n                style=\"\"    \n                >\n        </picture>        \n            </div>\n    \n</figure>\n\n                \n                \n                \n                \n                \n                \n                \n            \n            <div class=\"floatingText\">\n\n                <div class=\"labels\">\n                </div>\n            </div>\n            \n\n        </div>\n\n\n        \n            <h2 itemprop=\"headline\" \n    class=\"headline \"\n    style=\"\"\n    >Nord-Norge raser: Regjeringen vil flytte sykepleierstudier til Oslo\n</h2>\n\n        \n\n\n\n\n        </a>\n\n        <time itemprop=\"datePublished\" datetime=\"2025-11-25T21:33:21+01:00\"></time>\n    </div>\n</article>\n</div>\n<div data-element-guid=\"461b530d-6b58-48c7-a571-65f80d0a20fa\" class=\"row small-12 large-12\" style=\"\"><article data-element-guid=\"1e307260-578a-4dbb-affc-9f647329d614\" class=\"column small-12 large-4 small-abs-12 large-abs-4 \" data-site-alias=\"dagsavisen\" data-section=\"nyheter\" data-instance=\"4218055\" itemscope>\n    \n    <div class=\"content\" style=\"\">\n        \n        <a itemprop=\"url\" class=\"\" href=\"https://www.dagsavisen.no/nyheter/ma-jobbe-smartere-i-staten/10075937\" data-k5a-url=\"https://www.dagsavisen.no/a/10075937\" rel=\"\">\n\n\n        <div class=\"media \">\n                \n\n                <figure data-element-guid=\"587be6fa-c40c-4cda-82ed-b3afd56f0acd\" class=\"\" >\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/10075965.jpg?imageId=10075965&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=706&height=318&format=webp&format=webp\" \n                width=\"353\"\n                height=\"159\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10075965.jpg?imageId=10075965&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=706&height=318&format=webp&format=jpg\" \n                width=\"353\"\n                height=\"159\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/10075965.jpg?imageId=10075965&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=960&height=432&format=webp&format=webp\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10075965.jpg?imageId=10075965&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=960&height=432&format=webp&format=jpg\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/10075965.jpg?imageId=10075965&panox=0.00&panoy=0.00&panow=100.00&panoh=100.00&heightx=0.00&heighty=0.00&heightw=100.00&heighth=100.00&width=960&height=432&format=webp&format=jpg\"\n                width=\"480\"\n                height=\"216\"\n                title=\"– Må jobbe smartere i staten\"\n                alt=\"\" \n                loading=\"lazy\"\n                style=\"\"    \n                >\n        </picture>        \n            </div>\n    \n</figure>\n\n                \n                \n                \n                \n                \n                \n                \n            \n            <div class=\"floatingText\">\n\n                <div class=\"labels\">\n                </div>\n            </div>\n            \n\n        </div>\n\n\n        \n            <h2 itemprop=\"headline\" \n    class=\"headline \"\n    style=\"\"\n    >– Må jobbe smartere i staten\n</h2>\n\n        \n\n\n\n\n        </a>\n\n        <time itemprop=\"datePublished\" datetime=\"2025-11-25T18:44:01+01:00\"></time>\n    </div>\n</article>\n<article data-element-guid=\"366440f1-900c-4d50-b20b-7b95190ac977\" class=\"column paywall small-12 large-4 small-abs-12 large-abs-4 \" data-site-alias=\"dagsavisen\" data-section=\"nyheter\" data-instance=\"4218057\" itemscope>\n    \n    <div class=\"content\" style=\"\">\n        \n        <a itemprop=\"url\" class=\"\" href=\"https://www.dagsavisen.no/nyheter/ap-vil-ha-tettere-samarbeid-med-eu-en-nesegrus-eu-hyllest-kontrer-vedum/10074161\" data-k5a-url=\"https://www.dagsavisen.no/a/10074161\" rel=\"\">\n\n\n        <div class=\"media \">\n                \n\n                <figure data-element-guid=\"a08dfbde-734f-4f76-bd8c-f25aa3fb846e\" class=\"\" >\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/10075737.jpg?imageId=10075737&panox=0.00&panoy=7.26&panow=100.00&panoh=85.47&heightx=0.00&heighty=7.26&heightw=100.00&heighth=85.47&width=706&height=318&format=webp&format=webp\" \n                width=\"353\"\n                height=\"159\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10075737.jpg?imageId=10075737&panox=0.00&panoy=7.26&panow=100.00&panoh=85.47&heightx=0.00&heighty=7.26&heightw=100.00&heighth=85.47&width=706&height=318&format=webp&format=jpg\" \n                width=\"353\"\n                height=\"159\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/10075737.jpg?imageId=10075737&panox=0.00&panoy=7.26&panow=100.00&panoh=85.47&heightx=0.00&heighty=7.26&heightw=100.00&heighth=85.47&width=960&height=432&format=webp&format=webp\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10075737.jpg?imageId=10075737&panox=0.00&panoy=7.26&panow=100.00&panoh=85.47&heightx=0.00&heighty=7.26&heightw=100.00&heighth=85.47&width=960&height=432&format=webp&format=jpg\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/10075737.jpg?imageId=10075737&panox=0.00&panoy=7.26&panow=100.00&panoh=85.47&heightx=0.00&heighty=7.26&heightw=100.00&heighth=85.47&width=960&height=432&format=webp&format=jpg\"\n                width=\"480\"\n                height=\"216\"\n                title=\"Ap vil ha tettere samarbeid med EU: – En nesegrus EU-hyllest, kontrer Vedum\"\n                alt=\"\" \n                loading=\"lazy\"\n                style=\"\"    \n                >\n        </picture>        \n            </div>\n    \n</figure>\n\n                \n                \n                \n                \n                \n                \n                \n            \n            <div class=\"floatingText\">\n\n                <div class=\"labels\">\n                </div>\n            </div>\n            \n\n        </div>\n\n\n        \n            <h2 itemprop=\"headline\" \n    class=\"headline \"\n    style=\"\"\n    >Ap vil ha tettere samarbeid med EU: – En nesegrus EU-hyllest, kontrer Vedum \n</h2>\n\n        \n\n\n\n\n        </a>\n\n        <time itemprop=\"datePublished\" datetime=\"2025-11-25T18:36:38+01:00\"></time>\n    </div>\n</article>\n<article data-element-guid=\"49eb7884-5c37-4637-ae01-ed97a7d59a36\" class=\"column small-12 large-4 small-abs-12 large-abs-4 \" data-site-alias=\"dagsavisen\" data-section=\"nyheter\" data-instance=\"4218059\" itemscope>\n    \n    <div class=\"content\" style=\"\">\n        \n        <a itemprop=\"url\" class=\"\" href=\"https://www.dagsavisen.no/nyheter/politiet-avdekket-kriminelt-nettverk-i-oslo/10076036\" data-k5a-url=\"https://www.dagsavisen.no/a/10076036\" rel=\"\">\n\n\n        <div class=\"media \">\n                \n\n                <figure data-element-guid=\"8102e4b1-b0af-4fa2-99eb-feec6e92e844\" class=\"\" >\n    <div class=\"img fullwidthTarget\">\n        <picture>\n            <source srcset=\"https://image.dagsavisen.no/10076035.jpg?imageId=10076035&width=706&height=318&format=webp&format=webp\" \n                width=\"353\"\n                height=\"159\"\n                media=\"(min-width: 768px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10076035.jpg?imageId=10076035&width=706&height=318&format=webp&format=jpg\" \n                width=\"353\"\n                height=\"159\"\n                media=\"(min-width: 768px)\"\n                type=\"image/jpeg\">    \n            <source srcset=\"https://image.dagsavisen.no/10076035.jpg?imageId=10076035&width=960&height=432&format=webp&format=webp\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/webp\">    \n            <source srcset=\"https://image.dagsavisen.no/10076035.jpg?imageId=10076035&width=960&height=432&format=webp&format=jpg\" \n                width=\"480\"\n                height=\"216\"\n                media=\"(max-width: 767px)\"\n                type=\"image/jpeg\">    \n            <img src=\"https://image.dagsavisen.no/10076035.jpg?imageId=10076035&width=960&height=432&format=webp&format=jpg\"\n                width=\"480\"\n                height=\"216\"\n                title=\"Politiet avdekket kriminelt nettverk i Oslo\"\n                alt=\"\" \n                loading=\"lazy\"\n                style=\"\"    \n                >\n        </picture>        \n            </div>\n    \n</figure>\n\n                \n                \n                \n                \n                \n                \n                \n            \n            <div class=\"floatingText\">\n\n                <div class=\"labels\">\n                </div>\n            </div>\n            \n\n        </div>\n\n\n        \n            <h2 itemprop=\"headline\" \n    class=\"headline \"\n    style=\"\"\n    >Politiet avdekket kriminelt nettverk i Oslo\n</h2>\n\n        \n\n\n\n\n        </a>\n\n        <time itemprop=\"datePublished\" datetime=\"2025-11-25T17:22:20+01:00\"></time>\n    </div>\n</article>\n</div>\n\n    </div>\n</div>\n\n</div>\n</div>\n\n                </section>\n            </main>\n            <div data-element-guid=\"ef545042-9b88-4ae8-fe78-ecf7de54f1b3\" class=\"placeholder placement-left\">\n<div data-element-guid=\"73b2c2db-ca1c-4c88-818d-cfa7f3943995\" class=\"column google-ad small-12 large-12 small-abs-12 large-abs-12 sticky 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hasContentPadding mobile-hasContentPadding\" style=\"\"><div data-element-guid=\"e47daa55-9f2d-458c-84fa-7678801e0a74\" class=\"column text_singleline small-12 large-3 small-abs-12 large-abs-3\">\n    <style></style>\n    <h2 class=\"content singleline t16 tm17\" style=\" \">\n        <span data-lab-text_size_desktop=\"20\" class=\"t20 font-weight-bold m-font-weight-bold font-PTSerif\" data-lab-font_weight_desktop=\"font-weight-bold\" data-lab-fontface=\"PTSerif\">DAGSAVISEN<br></span>\n<br><span data-lab-fontface=\"PTSerif\" class=\"font-PTSerif\">Sjefredaktør: <a href=\"mailto:Lars.West.Johnsen@dagsavisen.no\" class=\"primary color_mobile_primary\" data-lab-text_color_desktop=\"primary\">Lars West Johnsen</a>\n<br>Adm. direktør: <a href=\"mailto:nina.kordahl@dagsavisen.no\" class=\"primary color_mobile_primary\" data-lab-text_color_desktop=\"primary\">Nina Kordahl</a>\n<br>Nyhetsredaktør (konst.): <a href=\"mailto:tore.ryssdalsnes@dagsavisen.no\" class=\"primary color_mobile_primary\" data-lab-text_color_desktop=\"primary\">Tore Ryssdalsnes</a>\n<br>Nyhetsredaktør: <a href=\"mailto:kathleen.buer@dagsavisen.no\" class=\"primary color_mobile_primary\" data-lab-text_color_desktop=\"primary\">Kathleen Buer </a>(permisjon)\n<br>Kulturredaktør: <a href=\"mailto:mode.steinkjer@dagsavisen.no\" class=\"primary color_mobile_primary\" data-lab-text_color_desktop=\"primary\" target=\"_blank\">Mode Steinkjer</a> </span>\n    </h2>\n</div><div data-element-guid=\"48f44d45-4e34-470b-a0ae-74f9602c1356\" class=\"column text_singleline small-12 large-3 small-abs-12 large-abs-3\">\n    <style></style>\n    <h2 class=\"content singleline t16 tm17 font-PTSerif\" style=\" \">\n        <br><br>Desksjef:\n<a href=\"mailto:espen.rusdal@dagsavisen.no\" class=\"primary color_mobile_primary\" data-lab-text_color_desktop=\"primary\">Espen Hågensen Rusdal</a><br>Nyhetssjef: <a href=\"mailto:ines.zander@dagsavisen.no\" class=\"primary color_mobile_primary\" data-lab-text_color_desktop=\"primary\">Ines Margot Zander</a> (permisjon) <br>Nyhetsleder: <a href=\"mailto:jorn.henriksen.skjaerpe@dagsavisen.no\" class=\"primary color_mobile_primary\" data-lab-text_color_desktop=\"primary\">Jørn H. 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   "source_updated_at" : "2025-11-23 05:00:00",
   "summary" : "Fra 1. januar trer to viktige endringer i kraft – en aldersgrense og en bedre sparemulighet.",
   "tags" : null,
   "title" : "To viktige endringer i pensjon fra nyttår",
   "twitter_title" : "To viktige endringer i pensjon fra nyttår",
   "version" : 1
}