自動車-enrolment could leave 労働者s with just half of what they need for a 'comfortable' 退職
- The 普通の/平均(する) 年金 will 供給する just £22,800 per year under 自動車-enrolment
- 人物/姿/数字s from the PLSA show that £43,100 is needed for a 'comfortable' lifestyle
- Women are 始める,決める to retire with £100,000 いっそう少なく than men 予定 to the gender 支払う/賃金 gap?
The 自動車-enrolment 年金 計画/陰謀 could leave new contributors with just half of what they need to retire comfortably in 40 years' time, 研究 (人命などを)奪う,主張するs.
The 普通の/平均(する) 年金 saving through the 自動車-enrolment 計画/陰謀 will 供給する just £22,800 per year after 税金 for people entering the 全労働人口 today, によれば comparison website Finder.
While it is better than the 代案/選択肢 of not saving into a 年金 at all, that 量 would 供給する just 53 per cent of what they will need to lead a 'comfortable' 退職 based on 人物/姿/数字s from the 年金 and Lifetime 貯金 協会.
不足(高): Those who have just entered the 全労働人口 need to 行為/法令/行動する now ーするために build an 適する 年金
The PLSA's 最新の 人物/姿/数字s 示す that retirees need £43,100 per year for a 'comfortable' 基準 of living, and £31,300 for a '穏健な' lifestyle.?
A 'comfortable' 退職 含むs £500 per year for home 改良s, £175 per week to spend on food, £1,500 per year in 着せる/賦与するing costs, an 年次の two-week holiday in Europe, and £50 per birthday or Christmas 現在の. The headline income 人物/姿/数字s do not 含む 税金, 住宅 or care costs.
Finder said that it based its 人物/姿/数字s on an 従業員 出資/貢献 of five per cent - 含むing 年金 税金 救済 from the 政府 - a three per cent 雇用者 出資/貢献, 年次の growth of five per cent and 料金s of 0.75 per cent. The 人物/姿/数字s 含む the after-税金 新規加入 of the?明言する/公表する 年金.
George Sweeney, 年金s 専門家 at Finder, said that young people should consider 支払う/賃金ing more into their work 年金 when they can afford it, or even looking at a separate 私的な 年金 と一緒に it.?
'When it comes to saving for 退職 with your 年金, there's no such thing as too much or too soon. 自動車-enrolment is a 広大な/多数の/重要な start and gets people on the path に向かって a more abundant 退職, but it's not a 完全にする 解答.
'Our 研究 shows that 自動車-enrolment is only half the 戦う/戦い, and if people want a comfortable 退職, they need to take 所有権 and 責任/義務 for the other half.'
Women are 始める,決める to be even worse off, with their 年金 covering just 46 per cent, いっそう少なく than £20,000 per year, of what is みなすd a 'comfortable' income.
The comparison 場所/位置 said the 普通の/平均(する) 22-year-old man is 始める,決める to retire with a 年金 マリファナ of £318,000 in today's money by age 68, 反して women are 事業/計画(する)d to see their 年金 reach just £218,000.
Who 支払う/賃金s what: 自動車 enrolment 決裂/故障 of 最小限 年金 出資/貢献s for basic 率 taxpayers at 現在の. 出資/貢献s are based on a 禁止(する)d of your 収入s between?£6,240 and?£50,270, but some 雇用者s are more generous
Finder said the £100,000 divide between men and women, a result of the gender 支払う/賃金 gap, means that men will see an 普通の/平均(する) 年一回の 年金 of £25,300 compared to just £19,800 for women. That is after income from 私的な マリファナs is 連合させるd with the 年次の 明言する/公表する 年金.
The 事業/計画(する)d 年金 for women is just 63 per cent of what is needed for a '穏健な' lifestyle.
'More discussions need to be had at home between partners. Ideally, 主要な to better planning around equalising 出資/貢献s and seeing it as a 共同の 成果/努力 - perhaps using 付加 道具s like self-投資するd personal 年金s (Sipps), 特に if a woman is taking time out of work to care for children or family,' George Sweeney said.
'Hopefully as the gender 支払う/賃金 gap の近くにs, this will be いっそう少なく of an 問題/発行する, but the reality is what it is, so couples and families need to work together and 計画(する) their 財政/金融s as a team if they want a comfortable 退職.'?
Couples who take a 共同の approach to 年金 saving can 結局最後にはーなる better off in 退職, though there are some 行き詰まり,妨げるs - 特に regarding 税金.
You should concentrate on maxing your own 年金 before trying to 上げる your partner's, and there are circumstances where it makes 財政上の sense to 焦点(を合わせる) on the higher earner's 年金, say 専門家s.?
>?How couples who save together can max out their 年金s: Eight tips from the 専門家s?
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