养老金变得更加灵活

养老金变得更加灵活

春天如雨后春笋般涌现,今年四月不仅给我们带来了阳光,而且还给我们带来了更光明的东西-养老金的巨大变化!

2014年预算中引入的根本性改革将于本月生效。 But if you don'不知道这些变化是什么,你're not alone. 要理解其含义,我们需要退后一步,弄清一些养老金术语。养老金准备金有两个主要结构:

第一个被称为‘defined contribution’, or ‘money purchase’ where you, the employer, or both, pay in a set amount each month. The fund grows and you end up with a 锅 of money at retirement. But the size of this 锅 isn’t fixed - it depends on how much is put in when, investment returns, charges etc. And the pension income you end up receiving is unknown until you start drawing from this pension 锅.

第二种结构是‘设定受益计划’, known as a ‘final salary pension’,这将根据您退休时的收入和您的年数支付保证的退休金收入水平’ve been working.

今天的大多数人都处于‘defined contribution’方案,当前的改革与此有关。所以呢’s changed? In the past, from the age of 55 you could draw down 25% of your pension 锅 as cash, tax free, but the rest eventually had to be used to buy an annuity - a guaranteed income for the rest of your life that an insurance company pays out. So you could draw on your pension but only in a pre-determined way according to set parameters.

With the change in legislation there are no set parameters: you can draw as much as you like, when you like. There is no longer a requirement to buy an annuity, and so the only implication is tax. The 25% tax free lump sum stays but the rest is taxed as income as and when you draw it. Plus any bit of the unused pension 锅 can pass onto your beneficiaries in the event of death (tax-free for the under 75s, and taxed as income for the beneficiary for the over 75s). 

媒体上的头条新闻对这一宣布表示了强烈的警告,警告说退休金领取者在兰博基尼身上吹了养恤金,使自己在年老时变得贫穷。如果您愿意,我会给别人更多的信誉’ve spent your life saving into this 锅, you’不太可能花很多钱并浪费您的养老金。

一个人‘设定受益计划’现在也将能够将其养老金转移至‘定额供款计划’利用同一个机会获得灵活性,但是在您这样做时应格外小心’d放弃宝贵的利益,否则将予以保证。

总的来说,我欢迎这些变化,但有些担心。这将意味着更多的自由和灵活性,许多人将很好地利用这一点享受退休生活。但是我确实担心,尽管精明的财务会受益,但其他人可能非常脆弱。看起来像很多钱一样‘pot’如果您再继续生活30年或更长时间,则可能并非如此。当然,您仍然可以购买年金,但是它们目前处于历史最低水平,’一生一次的决定’re then stuck with.

Having this level of choice about how to deal with your pension 锅 means having to continue making financial decisions, which means there will be a greater need for financial literacy into old age. To make money decisions you have to ‘stay in the game’,或者寻求专业帮助,并且代表老年人做出决策将变得更加复杂。 金钱焦虑 这是我在工作中要处理的很多事情,随着人们年龄的增长,金钱焦虑的风险也越来越大。因此,尽管它将提供更多选择,但同时也带来更多风险。

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