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?

By Harvey Dorset

Updated:

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 pays what: Auto enrolment breakdown of minimum pension contributions for basic rate taxpayers at present. Contributions are based on a band of your earnings bet ween?£6,240 and?£50,270, but some employers are more generous

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?

What can you do to （不足などを）補う the difference?

'To try and （不足などを）補う the difference, there are a few 選択s. The first and most obvious is to try and maximise and 増加する 出資／貢献s whenever possible. This doesn't have to be done every month, even 時折起こる and infrequent 増加するs in 出資／貢献s - as 早期に as possible - can make a 抱擁する difference in 橋（渡しをする）ing the gap to 慰安,' Sweeney said.

He 追加するd: 'Perhaps if you decide to stay in on a 週末 and save some money, why not throw £20 into a 年金 (which will get an 即座の 上げる of at least 20 per cent from 税金 救済, turning it to at least £24) and just do this whenever you get an 適切な時期.'

Sweeney 示唆するs that any 月毎の 支払い（額）s you have that stop, or are 減ずるd, such as mortgage 支払い（額）s, could then be redirected as 年金 出資／貢献s. This way, you won't notice the difference to your 予算, and will be making a noticeable difference to your 年金 マリファナ.

Another 選択, he says, is to 追加する the 量 you will save in 国家の 保険 出資／貢献s when they 減ずる on 6 April into your 年金 each month.?

Again, you won't notice the difference in your 支払う／賃金-packet from the months before the 削減（する）s （機の）カム into 影響, but this could equate to hundreds of 続けざまに猛撃するs per year under the 普通の／平均（する） salary.

Higher 税金 payers, 一方／合間, can 伸び（る） an extra 20 per cent in 税金 救済 by filling out a self-査定／評価 税金 return each year.

雇用者s may also 申し込む／申し出 higher 出資／貢献s if you up your own 出資／貢献. Whilst this does mean putting more of your own money into your マリファナ, it is 価値（がある） asking your 雇用者, ーするために make the most of the 利益s on 申し込む／申し出.

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