How deferring your 明言する/公表する 年金 and using the freedom 支配するs could 上げる your 退職 income?
The 明言する/公表する 年金 can play a 決定的な 役割 within the new 年金s freedoms for hundreds of thousands of savers reaching 退職 age before April 2016.
This group may be better off 製図/抽選 負かす/撃墜する on any 私的な 年金 they own before (人命などを)奪う,主張するing their 明言する/公表する 年金.
Under 現在の 支配するs, deferring a 明言する/公表する 年金 支えるs its value 意味ありげに ? 供給するing a higher 保証(人)d lifetime income than if it was taken straight away. It’s also far cheaper than buying an 同等(の) annuity.
明言する/公表する 年金: You could get more from your 明言する/公表する 年金 by taking it out later
Alan Higham, 退職 director at wealth 経営者/支配人 Fidelity 世界的な 投資, says: ‘Retirees who defer taking their 明言する/公表する 年金 can receive a one per cent uplift to their income for every five weeks of deferral. This 量s to a 重要な 10.4 per cent 上げる in every year.’
Under old 支配するs, pensioners had to make their 私的な 年金 last until they died ? probably using an annuity ? but now they can take money from it as they wish.
Higham points to a woman 老年の 62 with a £40,000 年金 マリファナ and a £7,000 明言する/公表する 年金 entitlement. ‘She could theoretically buy an インフレーション-linked annuity with the マリファナ 価値(がある) about £1,300 a year. That, with the 明言する/公表する 年金, would 増加する her income to £8,300,’ he says.
‘But under the new freedoms she could 選ぶ to drawdown on her マリファナ at, say, £9,900 a year, 増加するing with インフレーション instead, and leave the 明言する/公表する 年金 unclaimed.
‘Although the 年金 マリファナ would run out after a little over four years, the 明言する/公表する 年金 would be 高めるd by 41 .6 per cent, 供給するing her with an インフレーション-linked 明言する/公表する 年金 of £9,900 a year for life (in today’s 条件) ? £1,600 more than she would さもなければ have received.’
However, anyone reaching 退職 age after April 6, 2016 will get a 明言する/公表する 年金 rise of only 5.8 per cent a year.
The (米)棚上げする/(英)提議する below shows how much extra you could get in 退職 by deferring yours 明言する/公表する 年金.?
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