More than half of people （電話線からの）盗聴 年金s cash them out in 十分な, new FCA 人物／姿／数字s 明らかにする／漏らす
- Nearly 740k 年金 基金s were 接近d in the 2022-23 財政上の year?
- That was up 5% on the year before, as people struggled with rising 法案s
- FCA 設立する annuity sales fell, though more 最近の 人物／姿／数字s 示唆する a 回復
More over-55s are （電話線からの）盗聴 their 年金s and over half are cashing them out 完全に, new 公式の／役人 人物／姿／数字s 明らかにする／漏らす.
Nearly 740,000 年金 基金s were 接近d in the 2022-23 財政上の year, up around 5 per cent from the year before, as people struggled to 支払う／賃金 世帯 法案s in a period of rising インフレーション.
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 new 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.
Tapped: There has been a 5% rise in the number of 年金s 存在 cashed out, FCA data shows
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.
However, 最近の 産業 人物／姿／数字s covering the whole of 2023 示唆する more savers are 存在 tempted by a strong 回復 in the 保証（人）d 退職 income an annuity will 供給する.
Annuities were shunned for years 予定 to poor 率s and 制限する 条件s, and after 伸び（る）ing a bad 評判 on the 支援する of mis-selling スキャンダルs.
The 年金 freedom 改革（する）s in 2015 誘発するd most savers to keep their 基金s 投資するd and live off 撤退s instead, にもかかわらず the 財政上の market 危険 伴う／関わるd.
一方／合間, the FCA's new 報告（する）／憶測 showed a sharp 減少（する） in the number of people transferring out of final salary 年金s - which like annuities 供給する a 保証（人）d income for life - into 投資するd drawdown 計画（する）s where the 支えるもの／所有者 耐えるs the 投資 危険.
Final salary 計画／陰謀s have?削除するd the value of the 申し込む／申し出s made to 労働者s to 移転 out, because the rise in 利益／興味 率s has 改善するd their ability to 基金 年金s over the long 称する，呼ぶ／期間／用語.
Former 年金s 大臣 Steve Webb says of the 人物／姿／数字s showing most defined 出資／貢献 マリファナs are cashed in 十分な: 'These 人物／姿／数字s 最高潮の場面 the fact that hundreds of thousands of people reach 退職 each year with very small 年金 マリファナs.
'These マリファナs would 生成する very little 正規の／正選手 income if spread out over the １０年間s of 退職,' 追加するs Webb, who is now a partner at LCP and This is Money's 年金s columnist.
'Instead, the 大多数 of people still 裁判官 that the best thing to do is to cash out their 年金 and enjoy some 付加 cash at the start of their 退職.
'But with dwindling numbers of retirees having defined 利益 年金s to 落ちる 支援する on, we 緊急に need to 上げる 年金 マリファナs to a size where it makes sense to keep them rather than cash them in.
'With every new 始める，決める of 人物／姿／数字s we see the consequences of the 政府’s 延期する in 拡大するing (a)自動的な／(n)自動拳銃 enrolment, and the need for 緊急の 活動／戦闘 to get Britain saving more for 退職.'
Paul Leandro, partner at Barnett Waddingham, says: 'The FCA should not be surprised by the 増加するing levels of cash 撤退s from 年金 マリファナs, but they should be worried.
'年金 freedoms opened up Pandora’s Box - the 誘惑 to draw cash rather than 安全な・保証する 退職 income is 広大な／多数の／重要な, 特に in light of the cost-of-living 危機.?
'Some 撤退s may be sensible and financially sound, where the individual has suitable 資源s - but most are not.
'This is その上の 証拠 that we need to create a much more 強健な at-退職 枠組み. People need to be able to better visualise their income 必要物／必要条件s in 退職, and there needs to be a 有形の way to understand the knock-on 影響s of taking too much cash too 早期に.
'The 現在の 年金 landscape looks 悲惨な. Not enough 出資／貢献s going in, coupled with too much cash 存在 孤立した too 早期に, makes for a very 荒涼とした 未来 ahead.
'革新 is 批判的な to better support people’s 決定／判定勝ち（する） making - the best time was ten years ago, the second best time is now.'
Richard Sweetman, 上級の 顧問 at Broadstone, says: 'Although 計画（する）s with smaller 年金 マリファナs have the greatest 集中 of high 撤退 率s, it is 関心ing that more than half of 計画（する）s are seeing 正規の／正選手 撤退s of 6 per cent or over.
'退職 adequacy is already a 抱擁する 問題／発行する in this country, a 関心 that will only grow as more 年金 savers reach 退職 with greater 依存 on defined 出資／貢献 rather than defined 利益 準備／条項.
'It is 決定的な that pensioners are 接近ing their マリファナs sustainably, 製図／抽選 an income that will 会合，会う their needs in 退職 but also last throughout their late-life to 避ける a cliff-辛勝する／優位 減少（する） in their 基準 of living.
'It 示すs that a sea-change in 認識／意識性, education and support needs to 特に 的d at those 近づくing the end of their accumulation 旅行 to help dri ve 知らせるd 決定／判定勝ち（する）-making taking into account factors like longevity, personal circumstances and 退職 客観的なs.
'The 減少（する） in annuity sales is a little surprising given that 率s have 改善するd. In 未来 we might see a 傾向 に向かって 顧客s 購入（する）ing annuities later on in 退職, 安全な・保証するing their 必須の income at higher 率s given their 前進するing age.'
