Almost 80% of 年金 savers are （警察の）手入れ，急襲ing their マリファナs 早期に - pulling out £47,000 on 普通の／平均（する）
Over three-４半期/4分の1s of savers withdrew cash from their 年金 マリファナs before reaching their selected 退職 age in 最近の years, a new 報告（する）／憶測 （人命などを）奪う，主張する .?
研究 収集するd by Scottish 未亡人s showed the 普通の／平均（する） 量 孤立した before 退職 was £47,000, with many using the cash to keep on 最高の，を越す of 法案s and higher living costs.
Around a fifth, or 21 per cent, of people 抽出するd cash from their 年金s nine to 10 years before their selected 退職 age.?
And this is likely to have cost savers dear, as Scottish 未亡人s said leaving the money 投資するd instead could have seen 年金 マリファナs grow by an 付加 £25,000 on 普通の／平均（する）.?
早期に money:?Over three-４半期/4分の1s of 年金 savers withdrew cash from their 年金 マリファナs before reaching their selected 退職 age, Scottish 未亡人s said
The 投資 会社／堅い's 熟考する／考慮する （人命などを）奪う，主張するd 78 per cent of 年金 savers wit hdrew money 早期に from their マリファナs between 2019 to the end of 2023.?
More than half of savers, at 52 per cent, who took cash out of their 年金s 早期に did so five years before their selected 退職 age, the findings 示唆する.?
Only 20 per cent waited until their selected 退職 age before 製図／抽選 負かす／撃墜する on their 年金.?
A selected 退職 age 言及するs to the date someone chooses to retire, but not やむを得ず the earliest they can 接近 their 年金 マリファナ. 支配するs on 接近ing work and 私的な 年金s mean that they cannot 現在／一般に be tapped before the age of 55 but savers will soon have to wait until 57 to get at 年金 マリファナs.
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Why are savers （電話線からの）盗聴 年金 マリファナs 早期に??
広範囲にわたる 年金 freedom 改革（する）s introduced in 2015 meant that rather than most people having to use work defined 出資／貢献 or 私的な 年金 マリファナs to buy an annuity, they could keep them 投資するd in 退職 and draw on them instead.
The over-55s can 身を引く lump sums or 正規の／正選手 income from their 年金 マリファナs whenever they wish.
Each time a lump sum of money is taking out of a 年金 早期に, 25 per cent is typically 税金 解放する／自由な. However, the 残り／休憩（する） is 追加するd to any other income and is taxable.?
Britons have 孤立した £72.2billion since 存在 手渡すd the freedom to manage their own money, によれば 人物／姿／数字s from HM 歳入 & Customs.?
The 最小限 age you can start 接近ing most 年金s will rise from 55 to 57 on 6 April 2028.?
Many are spending their 早期に 撤退s on day-to-day costs, まっただ中に higher インフレーション and living costs, Scottish 未亡人s said.
However, it 追加するd that others were splashing the cash on holidays and fun after a 騒然とした few years.?
Graeme Bold, workplace 年金s director at Scottish 未亡人s, said: 'Our data shows that the 広大な 大多数 of people 身を引く money from their workplace 年金 before reaching 退職 age.?
'Whilst 早期に 撤退s are often an 避けられない necessity, draining a 年金 マリファナ too soon can carry 危険s which both providers and retirees should be taking steps to guard against where possible.'
He 追加するd: 'More needs to be done to encourage people to keep their 年金s 投資するd for as long as possible. It’s up to 年金 providers to have the support in place for people through a lifetime of 投資 ? before, during and after they reach r etirement age.'?
Scottish 未亡人s analysed workplace 年金 計画／陰謀 顧客s’ behaviour across over 230,000 different 退職 （人命などを）奪う，主張する 処理／取引s between 2019 and 2023.?
Last month, data from the 財政上の 行為／行う 当局 示唆するd more over-55s were （電話線からの）盗聴 their 年金s and over half were cashing them out 完全に. Part of this was credited to a savers fully cashing in small マリファナs, however, rather than their main 退職 基金.
Nearly 740,000 年金 基金s were 接近d in the 2022-23 財政上の year, up around 5 per cent from the year before, as people struggled to 支払う／賃金 世帯 法案s in a period of rising インフレーション.
Some 56 per cent of マリファナs were 存在 cashed in 十分な - the 大多数 of them 価値（がある） £10,000 or いっそう少なく, によれば the FCA.?
Scottish 未亡人s said people take an 普通の／平均（する） of £47,000 out of their 年金s 早期に?
How much are 年金 savers 行方不明の out on?
The Scottish 未亡人s findings 示唆する 年金 savers took out an 普通の／平均（する） of £47,000 from their 年金 マリファナs before their selected 退職 age in the last few years.? ?
財政上の modelling from Scottish 未亡人s showed that leaving this sum of £47,000? 投資するd in a 年金 until you are 65 could 上げる it by more than half, or nearly £25,000.?
Scottish 未亡人s said: 'If the money stayed 投資するd from age 55 (when the member would have first been able to take 利益s) for an 付加 five years, they would have £13,925 more on 普通の／平均（する） by the time they reach 60.
'That 人物／姿／数字 rises to £24,661 if it were to stay 投資するd for 10 years to age 65 - a rise of more than 50 per cent; and to more than £38,000 if 投資するd to age 70.'
It 追加するd: 'A separate?modelling 演習 was 行為／行うd under the 仮定／引き受けること that members （人命などを）奪う，主張するd the 最大限 税金-解放する／自由な cash 利用できる at age 55 which 現在／一般に stands at 25 per cent, 同等（の） to £11,750.'
If the same modelling was run with the remaining £32,250 left in members’ マリファナs after taking the 税金-解放する／自由な cash, savers would on 普通の／平均（する） be £10,441 better off after five years, and £18,496 after 10 years if they decided to stay 投資するd, （許可，名誉などを）与えるing トン Scottish 未亡人s.?
Taking money out of a 年金 早期に is not a step to be taken lightly. There can be 税金 関わりあい／含蓄s and a 可能性のある 衝撃 on your 財政／金融s in later life. It's sensible to get professional 財政上の advice if you are considering this 選択.??
