年金s

王室の Mail is one of this country's most iconic brands, woven indelibly into the fabric of our society. More than seven billion letters are 配達するd countrywide every year by its army of posties bedecked in their striking red garb. That's a lot of letters - and a chunk now carry 偽の stamps.

The 68-year-old （人命などを）奪う，主張するd his deferred 明言する／公表する 年金 last October, and subsequently made 非常に／多数の phone calls and two 公式の／役人 （民事の）告訴s when his 支払い（額）s didn't begin. He had 延期するd taking his 明言する／公表する 年金 when he first reached 明言する／公表する 年金 age more than two years ago. Many people choose to 延期する in 交流 for higher 支払い（額）s later in 退職.

Parents who do not qualify for child 利益 支払い（額）s and therefore don't （人命などを）奪う，主張する it can 行方不明になる out on 価値のある credits - 価値（がある） £329 a year, or £6,500 over a 20-year 退職 - in what one 専門家 calls a 'hidden horror' of the system. After shunning parents' 嘆願s for years, the 政府 has 約束d to let them 修理 明言する／公表する 年金 記録，記録的な／記録するs by creating a new credit they can 適用する for from April 2026.

Some 56 per cent of マリファナs are 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 data from the 財政上の 行為／行う 当局. 一方／合間 36 per cent were 投資するd in a drawdown 計画（する） and 8 per cent were used to buy an annuity in the year to October 2023. Sales of annuities fell nearly 14 per cent to around 59,200, にもかかわらず better 取引，協定s coming on the market as 利益／興味 率s started to rise.

At a 閣議 last Tuesday, Spanish 総理大臣 Pedro Sanchez 発表するd his 政府's 意向 to 捨てる the いわゆる golden ビザ 計画／陰謀. This ビザ 申し込む／申し出s 急速な／放蕩な-跡をつけるd residency to foreign 投資家s who buy 所有物／資産／財産 価値（がある） at least 500,000 euros (£429,000). Holly 対処する, 31, (pictured) 適用するd for Spain's 数字表示式の nomad ビザ and moved to Madrid in May last year.

The 政府 is looking into whether to 許す savers to open a 年金 that all 現在の and 未来 雇用者s can 支払う／賃金 into throughout their working lives. But although it has been dubbed '自動車 enrolment 2.0', others say it 危険s 土台を崩すing the successful 率先 which has seen millions of people 調印するd up for 年金s by their 雇用者s unless they 活発に 選ぶ out.

Spring is popular because people have a new 始める，決める of allowances at the start of the 税金 year, and many over-55s choose this period to 接近 their 年金s for the very first time. This year, older savers are likely to take 記録，記録的な／記録する sums from their 退職 基金s after two years of rising 世帯 法案s. But you should 計画（する） ahead to 保護する your 基金 and 避ける 税金 罠（にかける）s. Here's what you need to know...

The UK 明言する／公表する 年金 悪名高くも 支払う／賃金s a meagre income that barely covers the basic cost of living in 退職. Even those who receive the 十分な £11,500 a year 直面する a 不足（高） of almost £3,000 on what is 要求するd for a '最小限' 基準 of living, によれば 年金 産業 指導基準s. But are British pensioners really any worse off than their 相当するものs in Europe and around the world? And just how generous are 明言する／公表する 年金 計画／陰謀s in other countries?

A new online 明言する／公表する 年金 最高の，を越す-up service is 延期するd, にもかかわらず 政府 保証／確信s it should be ready by the end of the 財政上の year. The new service will 許す people to check if buying 最高の，を越す-ups will 上げる their 明言する／公表する 年金 and to make 支払い（額）s. The system 現在／一般に 伴う／関わるs phoning both the Department for Work and 年金s and HMRC, which run the system between them. This is Money has received a flood of （民事の）告訴s about long 延期するs and 行方不明の 明言する／公表する 年金 最高の，を越す-up 支払い（額）s for more than a year.

Around 1.2 million extra pensioners will have to 支払う／賃金 income in the new 税金 year as a result of the 政府's 凍結する on 税金 allowances, によれば 研究 from the House of ありふれたs Library, （売買）手数料，委託（する）／委員会／権限d by the 自由主義の 民主党員s . As many as 9.3 million people over age 66 will be 支払う／賃金ing the 税金 by 2028, it 設立する. The personal allowance typically rises by インフレーション but has been frozen since 2021 at £12,570 and will remain at that level until 2028.

PIP is 税金 解放する／自由な and is not 影響する／感情d by your income or 貯金, or most other 利益s. We explain the 支配するs, how to 適用する, and where you can turn for help below. How much you receive and how long you get it for depends on the 真面目さ of your 医療の 条件 or disability and how 厳しく it 影響する／感情s your life.

（ドイツなどの）首相／（大学の）学長 Jeremy 追跡（する） 宣言するd that the 公約する to 増加する 明言する／公表する 年金 支払い（額）s by the highest out of インフレーション, 収入s or 2.5 per cent will stay. The 誓約（する）, in an interview on the BBC 's Laura Kuenssberg programme, （機の）カム にもかかわらず rising 関心s about the affordability of the 保護. Appearing after Mr 追跡（する） 労働 frontbencher Anneleise Dodds 辞退するd to give the same 約束.

I'm married, mortgage-解放する／自由な and have two adult children and am 近づくing 60. I hope to retire at 65 as my 職業 やめる high 圧力 but I'm worried I may not have saved enough. I 現在／一般に have £235,000 in my 年金 マリファナ, all parked in the default 基金 and have worked for the same 雇用者 since I was 22 - it's a 地元の family run 商売／仕事. Can you 安心させる me and should I be 支払う／賃金ing more into my 年金?

The Waspi women who lost out in the 明言する／公表する 年金 age changes deserve '尊敬（する）・点', 労働's party chairman said yesterday as she 辞退するd to commit to any 補償（金）. Anneliese Dodds (pictured, left) said lessons needed to be learned but did not 支援する a previous party manifesto 約束 of £58billion payouts. （ドイツなどの）首相／（大学の）学長 Jeremy 追跡（する） also 拒絶する／低下するd to commit to 補償（金） 説 the 問題／発行する was '複雑にするd' and 'there's no secret 丸天井 of money' for payouts.

The cost of care is 急に上がるing in the UK, with a place in a care home now costing around £800 a week on 普通の／平均（する）, によれば the charity Age UK, and a nursing home £1,078. Downsizers in England and むちの跡s can 打ち明ける £305,090 on 普通の／平均（する） by moving from a four-bed to a two-bed home, によれば 広い地所 スパイ／執行官 Savills. Yet around 1.3 million homeowners 老年の 65 and over still live in four-bedroom homes, as the cost of stamp 義務 and 欠如（する） of appropriate 退職 homes 封鎖するs them from moving. This country lags behind the 概念 of 退職 communities.

My 雇用者 is 申し込む／申し出ing an 選択 to make my 年金 出資／貢献 経由で a salary sacrifice, or salary 交流, 計画／陰謀. They say that this means I can 与える／捧げる more to my 年金, but still take home the same 支払う／賃金 each month. How does this work, is it 価値（がある） 調印 up to, and are there any downsides? What is the best 選択 to grow my 年金 ?

The Public Accounts 委員会 says changes to the system have been 規模d 支援する and a new 非難する 計画／陰謀 延期するd while 基金ing for both has been コースを変えるd.

Nearly half of baby boomers, born between 1946 and 1964, 計画（する） to leave a home in their will and two thirds of them are already mortgage 解放する／自由な, によれば 分析 of thousands of wills made last year with Farewill. Only a third of the 戦後の 世代 born before 1945 have a 所有物／資産／財産 to bequeath, although 90 per cent of those able to do so own their home 完全な, によれば the will 令状ing service.

A 25-year-old on the 普通の／平均（する） salary of £35,000 using this simple 貯金 手段 could 上げる their 年金 by £80,000 at age 67 without sacrificing any of their 現在の salary, a new 熟考する／考慮する shows. It might seem '乾燥した，日照りの and unexciting' to pass up a 支払う／賃金 rise but it will reward you in the long 称する，呼ぶ／期間／用語 - 特に if you cycle not just the 2p but the 十分な 4p NI 削減（する） this year into your 年金, say number crunchers at Evelyn Partners.

The country's 近づく 13 million pensioners hardly got a について言及する in Mr 追跡（する）'s one hour (and more besides) long speech. Instead, Mr 追跡（する） chose to 焦点（を合わせる） on helping families and those in work. 理解できる to a degree, but a dangerous 手段, given the propensity of many pensioners to 投票（する） blue rather than red. Mr 追跡（する） was never ever going to be able to blow us all away with a ファンファーレ／誇示 of 税金 削減（する）s which I am sure he would have loved to have done. But what he did 申し込む／申し出 up - a その上の 2p 削減（する） in 国家の 保険 (NI) 出資／貢献 率s to 追加する to the 2p 削減 発表するd in last year's Autumn 声明 - was 意見の不一致を生じる and 疎遠にするing.

One of my sons, who is helping me organise my 財政上の 事柄s, first 通知するd Prudential of my husband's death on July 12. He sent them a copy of the death 証明書 the に引き続いて month. The 保険会社 continued to take the 月毎の 賞与金 for August and September, which 量d to £412. I have not had that money returned nor have I had the payout from the 計画（する）. Can you help?

失望させるd savers are continuing to complain of 明言する／公表する 年金 最高の，を越す-ups 大混乱 as the 政府 readies a new online service for 開始する，打ち上げる by 早期に April. Kate Phillips, pictured, paid nearly £11,500 for 明言する／公表する 年金 最高の，を越す-ups last April which 消えるd into the system, and told us: 'I'm at a loss as to how to proceed.' The Department for Work and 年金 and HMRC must put enough staff in place to make sure the whole system does not '落ちる over' under a new 殺到する of 最高の，を越す-up 購入（する）s, 警告するs former 年金s 大臣 Steve Webb.

While many people dislike the idea of an annuity, the 代案／選択肢 means keeping your 年金 投資するd in 退職 and managing it yourself - a 過程 that can be 混乱させるing and 十分な of 落し穴s. So here's a checklist, from 投資するing, to income, 税金s, the 明言する／公表する 年金, 相続物件, illness, 財政上の advice and much else.

The 社債 market 衝突，墜落 in 最近の months has drawn attention to a little-known or understood 投資 戦略 that many 労働者s are 'defaulted' into in the run-up to 退職. Some older 労働者s have discovered to their horror that they are sitting on 抱擁する losses 権利 on the brink of 退職 , which they might be 軍隊d to 延期する as a result. Here's what you need to know about 年金 lifestyling...

This depends on when the 生き残るing partner reaches or has passed 明言する／公表する 年金 age and their spouse's date of birth and 国家の 保険 記録，記録的な／記録する. What you might get if anything is far more 限られた／立憲的な if you reached or are still 予定 to reach 明言する／公表する 年金 age after April 2016.

Modern work 年金s are essentially cheap 投資 製品s 供給するd and subsidised by 雇用者s. At a time when money is tight, it's 価値（がある） 調査するing what they can do for you - 含むing some obscure and surprising 追加する-on 利益s. 自動車 enrolment into work 年金s takes the hassle out of saving for 退職, but you could be 行方不明の a trick or two by not looking any その上の than that.

年輩の women could receive nearly £1.5billion in 明言する／公表する 年金 arrears after 存在 shortchanged for １０年間s, the 政府 認める this week. A lot of women are understandably asking if they 行方不明になるd out on thousands of 続けざまに猛撃するs in 明言する／公表する 年金, and we explain how to find out and what to do if you are 借りがあるd money by the DWP. The スキャンダル was 暴露するd by former 年金s 大臣 Steve Webb and This is Money, after we 開始する，打ち上げるd an 調査 into a reader question to his 週刊誌 column in 早期に 2020.

No one wants to save up all their working life for a decent 退職 only to get stuck with an avoidable 税金 法案. Unfortunately, there are many 税金 罠（にかける）s for the unwary when it comes to 年金s.?It's 特に important to find out about them if you decide not to get 財政上の advice when you start （電話線からの）盗聴 your 基金. We asked 年金 専門家s for their tips on what trips people up the most often, and how to keeping a 退職 基金 as 安全な as possible from the taxman.

There are many 合法的な ways to dodge the dreaded 40 per cent 'death 税金' if you want to pass on the 最大限 sum possible and are 用意が出来ている to 計画（する） ahead. Here's our 一連の会議、交渉／完成する-up of 10 ways to 減ずる or 避ける a large 相続物件 税金 法案, some of which can be undertaken easily by any ordinary person without the need for (a)手の込んだ／(v)詳述する 手はず／準備 or to 支払う／賃金 for professional help.

Hoard your 年金 and spend other cash and 投資s first, to keep your money away from the taxman. That's the advice 専門家s dish out to retirees worried about 相続物件 税金. But anyone who wants to minimise their 年次の 所得税, or use up their 資本／首都 伸び（る）s 税金 allowance efficiently, might also 利益 from not spending a 年金 first.

職業 switching, 自動車 enrolment with every move, and people's 傾向 to lose 年金 （警察などへの）密告，告訴（状） and not update 計画／陰謀s with 接触する 詳細（に述べる）s are all behind the rise in 孤児d マリファナs. The cost of living 危機 has 最高潮の場面d the importance of 跡をつけるing 負かす／撃墜する lost 年金s to 上げる your 結局の 退職 income, によれば an 産業 （選挙などの）運動をする to help people find them.

We decode some of the jargon, from the more commonplace to the exotic, that you might come across when 調査するing your 年金 選択s. It comes as 研究 shows that while savers heartily welcomed 年金 freedoms 開始する，打ち上げるd in April 2015, they feel baffled and 圧倒するd when 取引，協定ing with the new choices opened up to over-55s of spending, saving and 投資するing their 退職 マリファナ.

To 避ける in the 未来 潜在的に my brother's wife 存在 する権利を与えるd to some of the 相続物件 we have discussed the 選択 of my grandmother leaving 100 per cent to myself. My brother and I have a very good and の近くに 関係. This would keep the money 安全に under my 支配（する）／統制する. I would then when the time is 権利 use the money to 供給する things for my brother such as a car, holiday and so on. My question is are there any 税金 関わりあい／含蓄s on me spending 潜在的に large 量s on 'gifts' for my brother?

A few years ago I 雇うd a 財政上の 助言者 to 強固にする／合併する／制圧する all my company 年金s, and my personal 年金 into one 年金. Since 調印 up, I now 支払う／賃金 a 百分率 of the value in 料金s to the 財政上の 助言者 each year and I don't feel I'm getting value for money. 基本的に I have an 年次の review where they advise not to do anything with the 年金. Do I have to have a 財政上の 助言者 or am I 許すd to manage my 年金 myself? 退役軍人 money 専門家 Henry Tapper, pictured, replies.