Защо да правим допълнителни спестявания за пенсия?

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Пенсионното осигуряване изглежда сложно, но основната идея е проста. Струва си да разберем ползите от спестяване за пенсионирането ни, защото нашата държавна пенсия може да не ни бъде достатъчна за да посрещнем ежедневните си нужди.

retirees-579609Размера на основната държавна пенсия е много под минимума, който хората очакват, за да посрещнат спокойно ежедневните си нужди. Повече от половината от хората във Великобритания не спестяват достатъчно, за да могат да посрещнат основните си житейски нужди, когато се пенсионират. Ако и вие попадате в тази категория, имате три възможности за избор:

  • Намалете очакванията си относно това, колко ще получавате
  • Започнете да спестявате повече
  • Пенсионирайте се по-късно

Не се уповавайте на държавната пенсия. Максималния размер на държавната пенсия е £155.65 на седмица (от 06 април 2016 година). Това е доста под сумата, на която се надяват повечето хора.

Какви са преимуществата на спестяването за пенсия?

След като сте решили да пестите за пенсия, трябва да изберете как. Пенсионните влогове имат редица важни преимущества, които ще накарат спестяванията ви да растат по-бързо, отколкото при други влогове.

По принцип спестяването за пенсия е с дългосрочен характер и данъчно облекчение – вашите регулярни вноски са инвестирани, така че сумата ви за пенсиониране расте по време на вашият работен живот и след като се пенсионирате ви предоставят се доходи, за да посрещнете нуждите си. Имате достъп до пенсионния си влог след като достигнете възраст 55 години.

Как данъчното облекчение добавя пари в пенсионния ни влог?

Unlock your UK Pension. From April 2014 aside from the 25% you are currently entitled to take as a tax-free lump sum, you will no longer be forced to invest the remainder into an annuity to provide a pension for your retirement. The government is introducing legislation that will allow a pension holder to invest the pension pot as they desire - or even take the remaining 75% as a cash lump sum - although this remaining amount in such an instance, would be subject to income tax. Good copy space.След като вашият доход достигне определено ниво, правителството взима данък върху заработката ви. Можете да видите това във вашият фиш за заплата. Ако внасяте пари в пенсионна схема, се квалифицирате за данъчно облекчение. Това означава, че когато си внасяте пари по пенсионна схема, част от парите, които плащате като данък, отиват за вашето пенсиониране. Правителството ще продължи да подкрепя вноските, които правите за пенсиониране, дори ако вашите доходи са твърде ниски за да плащате данък.

Освободена от данък натрупана сума, когато се пенсионирате

Обикновено можете да вземете до една четвърт от натрупаната сума от вашите спестявания за пенсия, като освободена от такси сума. Ако сте натрупали своя собствена сума за пенсиониране  (като противоположна на схемата за събиране на сумата на базата на вашите доходи), можете да използвате част от нея след навършване на 55-годишна възраст.

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