{"id":41808,"date":"2026-01-28T19:11:25","date_gmt":"2026-01-28T19:11:25","guid":{"rendered":"https:\/\/sudurras.fo\/?p=41808"},"modified":"2026-01-28T19:11:26","modified_gmt":"2026-01-28T19:11:26","slug":"fsn-vil-eisini-av-vid-livrentuna","status":"publish","type":"post","link":"https:\/\/sudurras.fo\/?p=41808","title":{"rendered":"FSN vil eisini av vi\u00f0 l\u00edvrentuna"},"content":{"rendered":"\n<p><em>Ta\u00f0 eru meira enn 10 \u00e1r s\u00ed\u00f0an, at FSN gj\u00f8rdi vart vi\u00f0 st\u00f3ra \u00f3r\u00e6ttv\u00edsi\u00f0, sum l\u00f3garkravdi l\u00edvrentuparturin \u00ed eftirl\u00f8naruppsparingini er ors\u00f8k til. Felagi\u00f0 stu\u00f0lar t\u00ed heilhjarta\u00f0 F\u00f8roya Handverkarafelag, sum vil hava L\u00f8gtingi\u00f0 at strika kravi\u00f0 um l\u00edvrentu ella minka ta\u00f0 munandi, n\u00fa pensj\u00f3nsl\u00f3gg\u00e1van ver\u00f0ur vi\u00f0gj\u00f8rd. F\u00f3lk eiga eisini \u00ed st\u00f8rri mun at sleppa at br\u00faka n\u00f8kur av prosentunum, sum \u00ed dag eru kravd uppsparing, til at rinda ni\u00f0ur b\u00fasta\u00f0arl\u00e1n \u00ed sta\u00f0in, heldur FSN\u2013forma\u00f0urin<\/em><\/p>\n\n\n\n<p>&#8211; Vit eru p\u00fara samd vi\u00f0 handverkarunum, at l\u00edvrentuparturin skeiklar l\u00f3garkravdu pensj\u00f3nsuppsparingina og ger hana \u00f3r\u00e6ttv\u00edsa, so ta\u00f0 stendur eftir. Vit gj\u00f8rdu eisini vart vi\u00f0 hetta og m\u00e6ltu til at broyta ta\u00f0, longu t\u00e1 fyrra CEF-samgongan byrja\u00f0i arbei\u00f0i\u00f0 vi\u00f0 s\u00edni pensj\u00f3nsn\u00fdskipan fyri meira enn 10 \u00e1rum s\u00ed\u00f0an. Hetta m\u00e1 og skal broytast n\u00fa.<\/p>\n\n\n\n<p>Ta\u00f0 sigur Annfinnur Gar\u00f0al\u00ed\u00f0, forma\u00f0ur \u00ed F\u00f8roya Skipara- og Navigat\u00f8rfelag (FSN), n\u00fa F\u00f8roya Handverkarafelag hevur heitt \u00e1 L\u00f8gtingi\u00f0, sum \u00ed l\u00f8tuni vi\u00f0ger broytingar \u00ed eftirl\u00f8narl\u00f3gg\u00e1vuni, um at strika kravi\u00f0 um l\u00edvrentu \u00ed eftirl\u00f8naruppsparingini, ella \u00ed hvussu er at minka l\u00edvrentupartin munandi.<\/p>\n\n\n\n<p>\u00cd grein, sum F\u00f8roya Handverkarafelag almannakunngj\u00f8rdi fyrr \u00ed hesum m\u00e1na\u00f0inum, bleiv neyvt \u00fatgreina\u00f0, hvussu l\u00edvrentuparturin \u00e1virkar pensj\u00f3nsvi\u00f0urskiftini hj\u00e1 handverkarunum tann skeiva vegin. Leinki til greinina \u00e1 heimas\u00ed\u00f0uni hj\u00e1 F\u00f8roya Handverkarafelag er&nbsp;<a href=\"https:\/\/www.fhf.fo\/ti-indi\/kravd-livrenta-er-orimilig-login-ma-ti-broytast\">HER.<\/a><\/p>\n\n\n\n<p><strong>\u00d3r\u00e6ttv\u00eds skipan<\/strong><\/p>\n\n\n\n<p>Annfinnur Gar\u00f0al\u00ed\u00f0 ger vart vi\u00f0, at \u00edt\u00f8kiliga \u00e1virkanin, sum l\u00edvrentan hevur \u00e1 pensj\u00f3nsvi\u00f0urskiftini hj\u00e1 t\u00ed einstaka, kann vera r\u00e6ttiliga ymisk alt eftir, hv\u00f8nn fakb\u00f3lk talan er um, men at skipanin samanumtiki\u00f0 er \u00f3r\u00e6ttv\u00eds fyri allar b\u00f3lkar.<\/p>\n\n\n\n<p>\u00cd verandi l\u00edki krevur l\u00f3gin, at \u00ed minsta lagi 45 prosent av uppsparda vir\u00f0inum ver\u00f0a goldin \u00fat sum l\u00edvrenta. Hon ver\u00f0ur \u00fatgoldin sum m\u00e1na\u00f0ar\u00fatgjald, l\u00edka til pensjonisturin doyr. Men t\u00e1 ste\u00f0gar veitingin eisini \u00ed somu l\u00f8tu, me\u00f0an hini 55 prosentini av pensj\u00f3nsuppsparingini, sum eru anna\u00f0hv\u00f8rt bara lutaeftirl\u00f8n ella ein samanseting av lutaeftirl\u00f8n og kapital\u00fatgjaldi, kunnu arvast av hj\u00fanafelaga ella b\u00f8rnum.<\/p>\n\n\n\n<p>\u00d3r\u00e6tv\u00edsi\u00f0 gerst serliga sj\u00f3nligt, um pensjonisturin doyr stutt eftir pensj\u00f3nsaldur, t\u00ed ein l\u00edtil helvt av pensj\u00f3nsuppsparingini \u2013 nevniliga l\u00edvrentan \u2013 bara dettur burtur.<\/p>\n\n\n\n<p>Grundhugsanin undir l\u00edvrentuni er samhaldsfesti vi\u00f0 ta\u00f0, at allir eftirl\u00f8naruppspararar \u00ed felag eru vi\u00f0 til at tryggja hv\u00f8rjum einst\u00f8kum uppsparara eitt trivaligt m\u00e1na\u00f0arligt l\u00edvrentu\u00fatgjald restina av l\u00edvinum.<\/p>\n\n\n\n<p><strong>Virkar \u00f8vugt<\/strong><\/p>\n\n\n\n<p>Men ta\u00f0 virkar beint \u00f8vugt, um pensj\u00f3nsuppspararin ikki gerst gamal, v\u00edsir Annfinnur Gar\u00f0al\u00ed\u00f0 \u00e1.<\/p>\n\n\n\n<p>&#8211; Ta\u00f0 hendir meira enn so, at pensjonera\u00f0ir navigat\u00f8rar doyggja alt ov t\u00ed\u00f0liga. T\u00e1 vildi eg sagt, at ein samhaldsf\u00f8st pensj\u00f3nsskipan best m\u00f8guligt tryggja\u00f0i f\u00edggjarst\u00f8\u00f0una hj\u00e1 eftirsitaranum. So er ikki, tv\u00f8rtur\u00edm\u00f3ti, t\u00ed f\u00f8royska skipanin er ringast fyri familjurnar hj\u00e1 teimum, sum liva stytst. Ta\u00f0 er eisini j\u00fast ta\u00f0, sum F\u00f8roya Handverkarafelag ger greitt, at ta\u00f0 eru fakb\u00f3lkarnir vi\u00f0 l\u00e6gst mi\u00f0allivialdri, i\u00f0 rinda fyri&nbsp; fakb\u00f3lkarnar vi\u00f0 h\u00e6gst livialdri, sigur hann.<\/p>\n\n\n\n<p>Galdandi eftirl\u00f8narl\u00f3g \u00e1setir \u00ed grein 9, stk. 2 hesar treytir fyri eftirl\u00f8nar\u00fatgjaldinum:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u00cd minsta lagi 45% skal ver\u00f0a \u00fatgoldi\u00f0 sum l\u00edvslong veiting, l\u00edvrenta, i\u00f0 sbrt. hesari l\u00f8gtingsl\u00f3g er ein eftirl\u00f8narskipan, sum ver\u00f0ur \u00fatgoldin leypandi, so leingi tann, sum eigur og hevur stovna\u00f0 tryggingina, er \u00e1 l\u00edvi, men sum fellur burtur, t\u00e1 i\u00f0 vi\u00f0komandi doyr.\u00cd mesta lagi 55% kann ver\u00f0a \u00fatgoldi\u00f0 sum lutaeftirl\u00f8n, i\u00f0 sbrt. hesari l\u00f8gtingsl\u00f3g er ein eftirl\u00f8narskipan, i\u00f0 ver\u00f0ur \u00fatgoldin yvir eitt avtala\u00f0 t\u00ed\u00f0arskei\u00f0, t\u00f3 \u00ed minsta lagi 10 \u00e1r.\u00cd mesta lagi 15% kann \u00fatgjaldast sum kapital\u00fatgjald, i\u00f0 sbrt. hesari l\u00f8gtingsl\u00f3g er ein upph\u00e6dd, sum ver\u00f0ur \u00fatgoldin \u00ed einum.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Ynski um st\u00f8rri fr\u00e6lsi<\/strong><\/p>\n\n\n\n<p>Stendur ta\u00f0 til FSN-formannin, bleiv kravi\u00f0 um l\u00edvrentu strika\u00f0 \u00far l\u00f3gini, alt sum ta\u00f0 var, og hann heldur eisini, at uppspararin sj\u00e1lvur \u00ed n\u00f3gv st\u00f8rri mun skal sleppa at gera av, hvat skal setast \u00ed sta\u00f0in.<\/p>\n\n\n\n<p>\u2013 Ta\u00f0 ber sj\u00e1lvandi til bara at hava lutaeftirl\u00f8n og kapital\u00fatgjald, men eg veit, at \u00ed hvussu er n\u00f3gvir av okkara limum n\u00f3gv heldur h\u00f8vdu vilja\u00f0 sloppi\u00f0 at br\u00fakt n\u00f8kur prosent av kravdu uppsparingini \u00ed dag til at ni\u00f0urgjalda b\u00fasta\u00f0arl\u00e1n vi\u00f0. Ta\u00f0 er j\u00fa \u00ed roynd og veru eisini uppsparing, og eg haldi, at ta\u00f0 generelt hev\u00f0i skapt st\u00f8rri n\u00f8gdsemi millum f\u00f3lk, &nbsp;um tey fingu eitt sindur meira fr\u00e6lsi til sj\u00e1lv at gera av, hvussu tey spardu upp, sigur Annfinnur Gar\u00f0al\u00ed\u00f0.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ta\u00f0 eru meira enn 10 \u00e1r s\u00ed\u00f0an, at FSN gj\u00f8rdi vart vi\u00f0 st\u00f3ra \u00f3r\u00e6ttv\u00edsi\u00f0, sum l\u00f3garkravdi l\u00edvrentuparturin \u00ed eftirl\u00f8naruppsparingini er ors\u00f8k til. Felagi\u00f0 stu\u00f0lar t\u00ed heilhjarta\u00f0 F\u00f8roya Handverkarafelag, sum vil hava L\u00f8gtingi\u00f0 at strika kravi\u00f0 um l\u00edvrentu ella minka ta\u00f0 munandi, n\u00fa pensj\u00f3nsl\u00f3gg\u00e1van ver\u00f0ur vi\u00f0gj\u00f8rd. F\u00f3lk eiga eisini \u00ed st\u00f8rri mun at sleppa at br\u00faka [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":41809,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-41808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lesarin-skrivar"],"publishpress_future_action":{"enabled":false,"date":"2026-05-07 18:20:00","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/sudurras.fo\/index.php?rest_route=\/wp\/v2\/posts\/41808","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sudurras.fo\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sudurras.fo\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sudurras.fo\/index.php?rest_route=\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/sudurras.fo\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=41808"}],"version-history":[{"count":1,"href":"https:\/\/sudurras.fo\/index.php?rest_route=\/wp\/v2\/posts\/41808\/revisions"}],"predecessor-version":[{"id":41810,"href":"https:\/\/sudurras.fo\/index.php?rest_route=\/wp\/v2\/posts\/41808\/revisions\/41810"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sudurras.fo\/index.php?rest_route=\/wp\/v2\/media\/41809"}],"wp:attachment":[{"href":"https:\/\/sudurras.fo\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=41808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sudurras.fo\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=41808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sudurras.fo\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=41808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}