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How couples who save together can max out their 年金s: Eight tips from the 専門家s on 伸び（る）ing the perks, while 避けるing 落し穴s

By Tanya Jefferies for Thisismoney.co.uk

Updated: 15:07 BST, 12 April 2024

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Couples who take a 共同の approach to 年金 saving can 結局最後にはーなる far 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.

We 一連の会議、交渉／完成する up tips on taking 十分な advantage of 年金s as a couple, to 伸び（る） the 利益 of all the perks 利用できる, for example if one partner is doing 未払いの caring for children rather than in paid 雇用.

年金 saving:?Couples who 可決する・採択する a 共同の戦略 can 結局最後にはーなる far better off in 退職

What to consider before 上げるing a part ner's 年金

You can start off by 確実にするing you both get the most out of higher matched 年金出資／貢献s?from an 雇用者.

This is 解放する／自由な money - 加える extra 税金救済 from the 政府 on 最高の，を越す - you won't receive in your 年金さもなければ. But take careful 公式文書，認める of the caveats below on 税金救済.

'Don't rely on one partner's 年金貯金, even if only one partner is working,' says Ray 黒人／ボイコット, managing director of 借り切る／憲章d 財政上の planning 会社／堅い Money Minder.

'Building 貯金 for 退職 in both partners' 指名するs rather than just one 供給するs for a more 税金 efficient 共同の income in 退職.

'If one partner in the 関係 is not working, for example a stay at home parent looking after younger children, it's possible to 支払う／賃金 up to ￡240 per month 逮捕する in to a 年金計画（する） for the 非，不，無-working partner and 得る￡60 per month (a 25 per cent uplift on what is 存在 saved in to the 計画（する） each month) 経由で the generous 税金救済 that is 追加するd on 最高の，を越す of your own 出資／貢献 that is 利用できる権利 up until age 75.'

Alistair McQueen, 長，率いる of 貯金 and 退職 at Aviva, says: '支払う／賃金ing into someone else's 年金 is very possible, and can carry 重要な attractions.

'It could 上げる the long-称する，呼ぶ／期間／用語財政上の wellbeing of the other and can be a powerful means of 増加するing your 連合させるd 年金税金利益s.

'However, 与える／捧げるing to another's 年金 before your own 財政上の wellbeing has been sorted co uld be 反対する-生産力のある, if it means a 不足（高） in your own 財政上の resilience later in life.

What are '逮捕する支払う／賃金' and '救済 at source'??

逮捕する支払う／賃金 means 労働者s 与える／捧げる直接／まっすぐに into their 年金 before their 税金法案 is calculated, so their 年金税金救済 is already 含むd and there is no need to （人命などを）奪う，主張する it from HMRC.

Under 救済 at source the 年金 provider （人命などを）奪う，主張するs the 所得税救済直接／まっすぐに from HMRC and 追加するs it to each 労働者's 年金.?

'And it needs to be recognised that the 関係 that encourages 出資／貢献s into another's 年金 in the first place may not be the 関係 that 存在するs when it comes to 接近ing any 年金貯金.'?

1. Check if you can 支払う／賃金 into each other's 年金計画／陰謀s

You can theoretically 与える／捧げるに向かって each other's work 年金s up to the level of your 年次の salary or ￡3,600 per year if you are not working.

But you need to check with your 年金計画／陰謀 what the 支配するs are and how 柔軟な they are on this 問題／発行する.?

The 選択s might be different if it is a '逮捕する支払う／賃金' or '救済 at source' 計画／陰謀 or if your 雇用者 makes 支払い（額）s 直接／まっすぐに into a 私的な年金 or self-投資するd personal 年金 (Sipp) for you.

McQueen 公式文書，認めるs that people with a 年金 that uses 救済 at source - all personal 年金s and some master 信用s, which manage centralised 基金s for several 雇用者s at once - can 支払う／賃金 in or have paid in by a third party up to ￡3,600 甚だしい／１２ダース (￡2,880 逮捕する) and get 税金救済関わりなく how much they earn.

This means a partner of someone not working could 支払う／賃金￡2,880 into a 非，不，無-working partner's 救済 at source 年金 and see ￡3,600 投資するd, he says.

But he points out that workplace 年金s which take 出資／貢献s 直接／まっすぐに from an individual's payroll will not 受託する them from the bank account of an 従業員 or from anyone else's account.

'Making 出資／貢献s into the workplace 年金 of another may not be as direct or as simple as you may want. The 条件s associated with different workplace 年金s need to be understood when 出資／貢献s are 存在 considered.'?

2. It's usually best to max out your own 年金 first

'For the 大多数, it makes sense to 焦点（を合わせる） first on maximising your own 年金準備／条項, from which you and others can 利益 in later life' says McQueen

'For those who have already maximised their own 年金準備／条項, supporting the 年金準備／条項 of another is 価値（がある） good consideration, often with the support of a 財政上の助言者.'?

HEATHER ROGERS ANSWERS YOUR TAX QUESTIONS

? ? ? ?

3. Take advantage of 年金税金救済

年金税金救済許すs everyone to save for 退職 out of untaxed income. You receive rebates, 効果的に解放する／自由な cash from the 政府 paid into your 年金, based on your 所得税率 of 20 per cent, 40 per cent or 45 per cent.

How much 税金救済 each partner can receive needs to be given careful thought before you 与える／捧げる extra into a 年金.

McQueen explains: 'If one partner has already maximised their own 年金税金利益s, by maximising their 年次の allowance or having reached the lifetime allowance, 与える／捧げるing to another's 年金 would be a means of 接近ing the other's 税金利益s, and その為に増加するing the 連合させるd 年金税金利益s.

If you are already 与える／捧げるing the 年次の最大限 of ￡60,000 into your own 年金, 与える／捧げるing to another's 年金 could 増加する this 年次の出資／貢献 by up to another ￡60,000, taking the total 年次の年金出資／貢献 to a total of up to ￡120,000.

But McQueen 警告を与えるs: 'The 税金利益s associated with each 年金 are 扶養家族 upon the income of the owner of that 年金.

'You may be a higher-率 taxpayer, and will therefore 利益 from higher-率年金税金救済 against any 出資／貢献s you make into your own 年金.

'If, however, the other person into whose 年金 you are saving is a basic 率税金 payer, or 支払う／賃金s no 所得税どれでも, their 年金 will only 利益 from basic 率s of 年金税金救済.

'The かもしれない different 税金治療s of different 年金s need to be considered and understood before 事実上の／代理.'

For example, McQueen says if someone who is a higher 率税金 payer 支払う／賃金s into a basic 率 taxpa yer's 年金, that means they only get basic 率税金救済追加するd.

'From a 財政上の視野 it makes more sense to 支払う／賃金 into the higher 率税金 payer's 年金,' says McQueen. 'If they are both basic 率税金 payers then there is no difference in cost between 支払う／賃金ing into one 年金 versus another, so one person making a 支払い（額） into the other's 計画（する） is 罰金.'

4. Each partner owns their 年金 and 支配（する）／統制するs it

Ray 黒人／ボイコット:?Building 貯金 for 退職 in both partners' 指名するs rather than just one 供給するs for a more 税金 efficient 共同の income in 退職

'Any 出資／貢献s into another's 年金 will be owned by that other person,' says McQueen. 'Without their own 年金貯金, this other person will be 扶養家族 upon others for their income in 退職.

'By 与える／捧げるing to the other's 年金, you are b oosting their self-依存 and independence in later life.'

But he goes on: '関わりなく who may make 出資／貢献s to a 年金, it is the owner of the 年金 ? the one who's 指名する is on the 政策 ? who will have 支配（する）／統制する over if, how and when the money is 接近d.

'計画（する）s for 接近 that are 始める，決める at the time of making the 出資／貢献s may change over time if the nature of the 共同 changes over time. For example, if the partners separate or get 離婚d. This 分離 of 所有権 needs to be understood when 出資／貢献s are 存在 made.

'Other than on 離婚 or death it's not possible to 移転 a 年金マリファナ from one partner to another.'?

5. 計画（する） around the ages when you can 接近 your 年金s

You cannot 接近 a workplace defined 出資／貢献 or 私的な投資するd 年金 before the age of 55, and this will rise to 57 in 2028.

With final salary 年金s, it depends on the 支配するs of the 計画／陰謀, so you you will have to check.

It is therefore sensible to 計画（する） ahead together on the basis of when each partner can start 製図／抽選 on their 年金s.

McQueen says: 'It is the age of the owner of the 年金 that 事柄s, not the contributor to the 年金.

'The contributor may be 55, but the owner may be younger. It is the owner's age that 事柄s. The 制限s in 接近ing 年金s need to be understood before making 出資／貢献s.'?

6. Don't forget your 明言する／公表する年金s - try to max out both

Alistair McQueen: 与える／捧げるing to another's 年金 before your own 財政上の wellbeing has been sorted could be 反対する-生産力のある, if it means a 不足（高） in your own 財政上の resilience later in life

Like a 伝統的な final salary 年金, the 明言する／公表する年金供給するs a 保証（人）d income until you die, so it is 価値（がある） both partners maximising what they get.

The 十分な明言する／公表する年金 is 現在／一般に価値（がある）￡221.20 a week or around ￡11,500 a year if you retired since April 2016 and qualify for the 十分な率.?

You can fill gaps in 未払いの or underpaid 国家の保険 in previous years, and make voluntary 最高の，を越す-ups to buy extra qualifying years, if one partner doesn't have the 35 years of 国家の保険出資／貢献s to get the 十分な量.

You might also be able to earn credits if you are a parent or grandparent looking after children, or are a carer or are 失業した.

黒人／ボイコット says: 'For couples with younger children who are able to （人命などを）奪う，主張する child 利益支払い（額）s, NI credits will count に向かって the 35 years of 出資／貢献s that are 現在／一般に needed ーするために receive a 十分な明言する／公表する年金.

'Credits are only awarded to the individual whose 指名する the child 利益 is in and they are only 利用できる until your youngest child is 12.

'However, this is a 広大な／多数の／重要な help に向かって the level of 明言する／公表する年金 that individual will receive and 適用するs even if that person is not 収入.

'As long as the child 利益 is paid to the 訂正する individual, they are 追加するd to your 国家の保険記録，記録的な／記録する automatically.'

If the 'wrong' parent （人命などを）奪う，主張するd child 利益 you can 交換（する） the credits to the other partner, and you can also 移転 credits to a grandparent looking after chil dren if you don't need them because you are 支払う／賃金ing NI anyway.?

7. What happens to 年金s if you get 離婚d

'Unfortunately, not all 関係s last forever,' says 黒人／ボイコット. 'If you are 支払う／賃金ing into your partner's 年金計画（する） and the 関係 breaks 負かす／撃墜する, it may be difficult to do anything else but 令状 that money off.

'If you are married, 関わりなく who paid the money into which 年金計画（する）s, they are often taken into account on 離婚.

'There are 選択s 利用できる to 離婚ing couples that 含むing 株ing all of the accrued values, offsetting 年金 values against other 資産s and 合法的な約束s to 支払う／賃金 an income or 資本／首都 to either or both of the partners 離婚ing at a later date.

'However, these 選択s can be 複雑にするd and difficult to work through for both the 離婚ing couple and their 合法的な助言者s. In many 事例／患者s, specialist 年金s advice will be 要求するd to 確実にする that both partners are 扱う／治療するd 公正に／かなり.'

黒人／ボイコット追加するs that in his experience, couples who discuss their 年金計画（する）s 友好的に on 離婚 are much more likely to 達成する a good 結果 for all 伴う／関わるd.

'This could 現実に be 関連した to not just the 離婚ing couple. With 年金s having become multi-generational planning 道具s in 最近の years, the 決定／判定勝ち（する）s made about 年金s in a 離婚 can 潜在的に影響する／感情 the couple's children and even there grandchildren.'

More on how 年金s are 分裂（する） in a 離婚?

If you unfortunately 分裂（する） up, but your 年金マリファナs aren't too unbalanced - as they 歴史的に have been between men and women, mostly 予定 to 支払う／賃金 differences and the latter doing 未払いの caring work - there can be いっそう少なく hassle and 敵意 over dividing them.

There are three main 選択s when?取引，協定ing with 年金s in a 離婚 - 株ing them on a clean break basis, one partner （ーのために）とっておくing some of the income to be paid to an ex-spouse after 退職, and offsetting their value against other 資産s.

迅速な 'no fault' 離婚s were introduced in 2022?This means couples are able to get 離婚d within six months of first 適用するing even if one partner is …に反対するd, and the 過程 will be 大部分は online - 含むing the serving of 離婚 papers by email.

However, 財政上の解決／入植地s 含むing 年金s are still dealt with in a separate and 平行の過程 which can continue after the 離婚 is final.

8. 計画（する） ahead if you want to bequeath your 年金s

'年金貯金 do not form part of your 合法的な広い地所, so are not 支配する to the same 相続物件税金法律s as other 資産s,' says McQueen.?

'For many, saving in a 年金 is therefore an efficient and 合法的 way of 限界ing 相続物件税金義務／負債s.

'By 与える／捧げるing into another's 年金, in 新規加入 to your own, you are able to 避難所 more of your wealth from 相続物件税金.'

黒人／ボイコット says: On death, 投資 based 年金計画（する）s can be passed on to partners, (or someone else, that person doesn't even need to be 関係のある) very 税金 efficiently.

'If the 死んだ partner died after the age of 75, 所得税 may be payable on 資本／首都 and 正規の／正選手 income 支払い（額）s. However, 所得税 is only payable on the 量孤立した in each 税金 years and 扶養家族 on the 受取人's individual 所得税率.

'Even better, if the 死んだ partner died before reaching age 75, under the 現在の支配するs, the 生き残るing partner (or someone else) can move the 死んだ persons 年金計画（する） in to a 計画（する） called a '後継者s'' 年金計画（する） and draw income and 資本／首都 out without incurring an 所得税義務／負債.'

黒人／ボイコット says money held in a 年金 doesn't need to be left to a partner, but can go to children, grandchildren, 広大な／多数の／重要な grandchildren, a best friend, a charity, or even your next door 隣人.

But he 強調する／ストレスs the importance of 完全にするing a '指名／任命 of 受益者s' form to let your 年金 provider know to whom you would like the 年金 money paid.?

計画／陰謀s do?take account of your 表現 of wishes, but 保持する discretion depending on the circumstances.

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