För vd:n är pensionen en aspekt av arbetet som ofta hamnar i skymundan. Fokus ligger på att leda företaget framåt, fatta strategiska beslut och skapa värde för aktieägare och anställda. Men för den som står i spetsen för ett företag kan en missad pensionsstrategi innebära att hundratusentals – eller till och med miljoner – kronor går förlorade under en karriär.
Helena Palmgren, grundare och seniorkonsult på Palmgren & Bergdahl Management, ger sin syn på de vanligaste misstagen och hur vd:n kan ta kontroll över sin pensionslösning. En av de största utmaningarna för vd:n, säger hon, är den särskilda positionen på pensionsmarknaden.
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