Pension matching

The right wrapper is worth six figures over 30 years.

Country-native picks. No US-centric advice for a Swedish employee.

CountryAgeEmploymentTax band

Top 3 wrappers for your situation

TER 0.03–0.10%

via Fidelity / Schwab / Vanguard

Tax-free growth — best when your future rate will exceed today's. Ideal early career.

Tax: After-tax in, tax-free out

TER 0.04–0.20%

via Employer plan (Fidelity / Vanguard)

Get the employer match first — it's a 50–100% instant return on the matched contribution.

Tax: Pre-tax contributions, taxed on withdrawal

TER 0.03–0.10%

via Fidelity / Schwab

Self-employed contribution room up to 25% of net earnings — much higher than a Roth cap.

Tax: Pre-tax, taxed on withdrawal

Informational, not regulated tax advice. Verify contribution limits and current tax rules with your country's tax authority before acting.