One in 10 労働者s 凍結する 年金 saving during the Covid-19 危機, 危険ing the loss of tens of thousands from 退職 マリファナs

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Nearly a ４半期/4分の1 of 労働者s have stopped 支払う／賃金ing into their 年金 or are 活発に considering it as the coronavirus pandemic wreaks havoc with people's 財政／金融s, new 研究 明らかにする／漏らすs.

Pausing 出資／貢献s can blow a 穴を開ける in 未来 退職 マリファナs, with a 30-year-old 収入 £30,000 standing to lose more than £45,000 by 選ぶing out of 年金 自動車 enrolment for three years.

The most ありふれた 推論する／理由 given for taking a break from 年金 saving was needing money for 必須の spending, but many people 特記する／引用するd redundancy or 存在 furloughed, によれば the 熟考する／考慮する by Canada Life.

Coronavirus 危機: What should you do about your 年金 if you are strapped for cash or made redundant? Find out below

年金 専門家s 勧める people to keep 支払う／賃金ing into 年金s if they can afford it, to 避ける 害（を与える）ing their chances of a decent 退職.

You can keep 支払う／賃金ing in to some types of 年金s even if you have left your 雇用者, and 支払い（額）s into マリファナs based on 80% of salary are 保護するd should you be furloughed.?

If you are worried you 港／避難所't saved enough for 退職, read our guide to sorting out your 年金 below.?

We also have a guide for people in their 20s wanting to get their 年金s on 跡をつける here.?

One in 10 労働者s have paused 年金 出資／貢献s during the coronavirus lockdown and a その上の 13 per cent are considering doing so, によれば a 調査する of 2,000 people carried out in late August.

Canada Life looks at the 衝撃 of three-year 年金 breaks on 労働者s at age 30, 40 and 50 at different income levels, and how much extra they would need to save to （不足などを）補う the 不足（高） in the （米）棚上げする／（英）提議する below.

年金 計画（する）s: Pausing 出資／貢献s can blow a 穴を開ける in 退職 マリファナs (Source: Canada Life)

People who are 自動車-入会させるd into 年金s 与える／捧げる at least 4 per cent of qualifying 収入s - which means a 禁止（する）d between £6,240 and £50,000 in the 2020/21 税金 year - while 雇用者s put in 3 per cent and the 政府 追加するs another 1 per cent in 税金 救済.

Those who 選ぶ out of 自動車-enrolment will find their 雇用者 re-enrols them again once every three years, but it does this on its own schedule, usually on a rolling basis starting from when it first introduced 自動車 enrolment, not timed on when a 労働者 dropped out.

Once re-入会させるd, a 労働者 has to 活発に 選ぶ out again if that is what they wish.?

If you are made redundant and get a new 職業, you will be 自動車 入会させるd into your new 雇用者's 年金 計画／陰謀 if you are 22 or over and 収入 £10,000-加える.

'With Covid-19 hitting personal 財政／金融s harder than ever it is not too surprising that many have started to 見解（をとる） their 年金 出資／貢献s as discretionary,' says Andrew Tully, technical director at Canada Life.

'While a three-year 年金 holiday may seem like a minor break in the 状況 of a career spanning １０年間s, our 分析 shows that the long-称する，呼ぶ／期間／用語 衝撃 of that 決定／判定勝ち（する） could be 重要な.

'Any choices made now could have real significance to the 質 of life in 退職 so it is 決定的な that the 衝撃 of this is understood 適切に, from the 手始め.

'It is worrying to see that 13 per cent of 回答者／被告s were 活発に considering a 年金 holiday. However, there are some ways to mitigate the 可能性のある 衝撃.

'Our 分析 shows that losses can be 回復するd at each 行う／開催する／段階 of a working life as long as there is a 計画（する） in place to 再開する 出資／貢献s as soon as practicable.

'Savers will also need to understand that 出資／貢献s will need to be higher than they were before and in some 事例／患者s by as much as a fifth for those closer to 退職.'

Who 支払う／賃金s what? How 年金 出資／貢献s stack up under 自動車-enrolment 計画／陰謀s (Source: The 年金s （a）忠告の／（n）警報 Service)

Separate 最近の 研究 has 設立する middle-老年の savers could see their 年金s take a 特に bad 攻撃する，衝突する as two 後退，不況s and a stingier 年金 system 土台を崩す their ability to 供給する for old age.?

The 財政上の 衝突，墜落 and the coronavirus 危機 will 混乱に陥れる／中断させる the 収入s of many people 現在／一般に 老年の 40-55, who will also 行方不明になる out on generous final salary 年金s and the 十分な 利益s of 自動車-enrolment.

A high redundancy 率 の中で people in this age group and 拒絶する／低下するing 接近 to 財政上の advice are other factors 影響する／感情ing their chances of a decent 退職.

How to sort out your 年金 if you 恐れる it's 落ちるing short

If you are worried about your 年金 and whether you will have enough, read a 十分な 10-step guide to sorting it out here.?

To get started, 調査／捜査する your 存在するing?年金s. 概して speaking, you need to ask 計画／陰謀s the に引き続いて:

- The 現在の 基金 value

- The 現在の 移転 value - because there might be a 刑罰，罰則 to move

- Whether the 年金 is in a final salary or defined 出資／貢献 計画／陰謀

- If there are any 保証（人）s - for instance, a 保証（人）d annuity 率 - and if you would lose them if you moved the 基金

- The 年金 発射／推定 at 退職 age.

You can use a 年金 calculator to see if you have enough - find This is Money's?here.

?You should 追加する the 予測（する） 人物／姿／数字s to what you 心配する getting in 明言する／公表する 年金, which is 現在／一般に around £9,100 a year if you have a 十分な 国家の 保険 記録，記録的な／記録する.?

Get a 明言する／公表する 年金 予測（する）?here.

If you are tempted to 合併する your old 年金s, check out some tips on how to decide here.??

If you have lost 跡をつける of old 年金s, the 政府's 解放する／自由な tracing service is?here.?

Take care if you do an online search for the 年金 Tracing Service as many companies using 類似の 指名するs will pop up in the results.

These will also 申し込む／申し出 to look for your 年金, but try to 告発（する），告訴（する）／料金 or flog you other services, and could be fraudulent.?

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