Spend your 年金 マリファナ last! We 明らかにする／漏らす the order to use 貯金 in 退職 to defend your cash from the taxman
- 年金 freedom puts people more in 支配（する）／統制する of how they spend 貯金
- But they also mean that the order in which you should spend has changed
- To maximise your income, 専門家s say spend your 年金 last
Hoard your 年金 and spend other 利用できる cash and 投資s first, to keep your money out of the taxman's clutches.
That's the advice 財政上の 専門家s dish out to retirees worried about their 相続人s 存在 landed with a big 相続物件 税金 法案.
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 running 負かす／撃墜する 資産s held outside a 年金 first.
Circumstances 変化させる though, it must be 強調する／ストレスd. So, it's best to take the に引き続いて on board as useful general 指導／手引, but to 協議する a professional about your own 状況／情勢.
年金 計画（する）: You might want to use up other 資産s outside your マリファナ first, if you hop e to bequeath as much of it as possible
How does spending your 年金 last 利益 your 財政／金融s?
Since the 年金 freedom 改革（する）s in 2015, more people are choosing to keep their 年金 投資するd in 財政上の markets in old age rather than receive a 保証（人）d income from an annuity or final salary work 計画／陰謀.
If you put your 年金 貯金 in an income drawdown 計画／陰謀 at 退職, any 投資 growth will 利益 your 大臣の地位 but not be 税金d unless or until you 身を引く money as income.
You can take 25 per cent 税金-解放する／自由な from your 年金, but after that 所得税 is 徴収するd on 撤退s.
Keeping your money in a 年金 マリファナ can also 削減（する） the 量 of 相続物件 税金 your loved ones have to 支払う／賃金, if your 広い地所 最高の，を越すs the basic or new home allowance thresholds - see the box below.
受益者s either 支払う／賃金 no 税金 on what is left over in a drawdown 計画／陰謀 if the owner dies before age 75, or their normal 所得税 率 if they are 75 or over.
You might therefore want to use up other 資産s outside a 年金 first if you hope to bequeath as much of it as possible, because there will be 十分な 相続物件 税金 to 支払う／賃金 on money once it's taken from a drawdown 計画／陰謀.
But this approach will not be 有益な in every シナリオ, as it depends on your circumstances and income needs, not just on the wish to 避ける 相続物件 税金.
What order should you spend 資産s in during 退職?
1) 投資s held outside Isas or other 税金-efficient wrappers, like 株, 社債s, 基金s and buy-to-let 所有物／資産／財産s, all of which could be 支配する to 資本／首都 伸び（る）s 税金 or 相続物件 税金. These can be tapped 徐々に, using 資本／首都 伸び（る）s 税金 allowances over time.
2) 投資 and cash Isas, except for those held in an AIM 大臣の地位 that qualifies for 商売／仕事 所有物／資産／財産 救済. See the box below.
3) Homes if they 押し進める your 広い地所 above £2million, as downsizing and spending or gifting the money that 解放する／自由なs up can 削減（する） your 相続物件 税金 法案.
4) 投資s with BPR status, which are 保護物，者d from 相続物件 税金 if you have held them for at least two years by the time you die.
5) 年金 マリファナs 投資するd in income drawdown 計画／陰謀s, because these remain a 税金-efficient wrapper for your cash, like 年金s in the run-up to 退職, and have 相続物件 税金 利益s.?
Check your 年金 計画／陰謀 許すs for 'succession drawdown'
'Most savers continue to 見解（をとる） their 年金 as a 乗り物 for 会合 their income 必要物／必要条件s in 退職, 特に に引き続いて the introduction of 年金 freedoms 法律制定,' says Evelyn Partners' 財政上の planning director Gary Smith.
'However, this is not やむを得ず the most 税金-efficient method of 生成するing their income 必要物／必要条件s, as other 資産s - Isas, 投資s, 貯金 and 投資 所有物／資産／財産s - should also be considered when 明確に表すing an 効果的な income producing 戦略.
'その上に, it is also important to consider the wider 財政上の position of the individuals when 準備するing a 退職 戦略, 特に if 相続物件 税金 is an 問題／発行する for them.'
Smith 強調する／ストレスs that you should 二塁打 check that your 年金 計画／陰謀 許すs for 'succession drawdown', as old-style stakeholder 年金 and personal 年金 支配するs might 妨げる／法廷，弁護士業 you from bequeathing them to anyone besides your spouse.
He says it's usually straightforward and 解放する／自由な to 変える a stakeholder 年金, but some personal 年金s 適用する 出口 告発（する），告訴（する）／料金s and in these 事例／患者s it can be 価値（がある） waiting until the 計画／陰謀's 退職 age before switching into one 申し込む／申し出ing succession drawdown
He goes on: '予定 to the introduction of succession drawdown, an individual who has a 年金 that 申し込む／申し出s this 施設 can now cascade their 年金 資産s to their family, 解放する／自由な of 相続物件 税金.
ツバメ Bamford, a director and 借り切る／憲章d 財政上の planner at 知らせるd Choice, says: '大臣の地位 撤退 order is an important factor in 延長するing the longevity of wealth in 退職.
'（弁護士の）依頼人s typically come to us with a 範囲 of 資産s to support their cash and income needs in r etirement. These 含む 年金 計画（する）s, Isa, cash 貯金, 投資 基金s or 株, 商売／仕事 資産s and buy-to-let 所有物／資産／財産s.
'We find that those who experience the most financially 安全な・保証する 退職s tend to have a 範囲 of 資産s, rather than relying on 年金s alone.'
He went on: 'For 投資家s with "unwrapped" taxable 大臣の地位s of 投資s, spending these first tends to make more sense than spending 税金 特権d Isa マリファナs or using taxable 年金 income.
'The availability of the personal 貯金 allowance, （株主への）配当 税金 allowance, personal allowance and 資本／首都 伸び（る）s 税金 年次の allowance 供給するs a lot of 範囲 to earn income and realise 伸び（る）s without 存在 税金d.
'Wealthier 投資家s tend to prioritise 相続物件 税金 planning and this can result in the 年金 マリファナs 存在 spent last.
'Unspent 年金 マリファナs can be passed to 受益者s to spend 税金-解放する／自由な, if the 年金 マリファナ 支えるもの／所有者 dies before their 75th birthday, or 支配する to their ごくわずかの 率 of 所得税 should death occur after age 75.
'Keeping 年金 wealth outside of the taxable 広い地所 for 相続物件 税金 目的s, where it could 苦しむ a 40 per cent 税金 告発（する），告訴（する）／料金, is an 控訴，上告ing prospect where other sources of wealth are readily 利用できる to 基金 退職.'?
