In 2015 I put the £265,000 balance of my 年金 マリファナ into a self-投資するd personal 年金. Since then I have drawn 負かす/撃墜する a total of £151,000.
At the moment I am 製図/抽選 負かす/撃墜する £2,500 a month. The 現在の value of the 投資s in my Sipp is £213,000.
I will be 74 in July this year. Is there anything I should be doing with my Sipp before I reach the age of 75?
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Steve Webb replies: Reaching the age of 75 used to be a 重要な milestone when it (機の)カム to the 支配するs about 年金s, but a lot has changed in 最近の years, and it is now いっそう少なく of an 問題/発行する.?
But in this column I’ll run through the things which do still change and the things which no longer change on your 75th birthday.
Starting with the things that do still change, anyone who is still 利益/興味d in 支払う/賃金ing into a 年金 can continue to do so after 75, but they will only get 税金 救済 on their 年金 出資/貢献s until they reach the age of 75 and not thereafter.
Secondly, anyone who is still an 従業員 up to the age of 75 (and earns more than £6,240 per year) has the 権利 to 需要・要求する that their 雇用者 enrols them into a workplace 年金 and makes an 雇用者 出資/貢献. After the age of 75 this 権利 中止するs.
Third, in the sad event that you were to die before the age of 75, your 相続人s would be able to 相続する the balance of your 年金 マリファナ and take it out 解放する/自由な of 所得税.?
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株 or comment on this article: I've got £213,000 in my 年金 マリファナ, what do I need to do before I 攻撃する,衝突する 75? STEVE WEBB replies
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