Small 商売／仕事 owners are cash rich but neglecting 年金s: Here's what to do
- Just 51% of 商売／仕事 owners put money into a 年金 each month, 熟考する／考慮する shows?
- 一方／合間, three ４半期/4分の1s 定期的に save money in their cash accounts?
- We explain how to sort out your 年金 if you're self-雇うd
Small 商売／仕事 owners are stashing money in cash 貯金 at the expense of their 退職 マリファナ, によれば new 研究.
自動車-enrolment means many 給料を受けている staff now build up a 退職 マリファナ by default.?
But if you're self-雇うd, then it's up to you to 始める，決める one up and 与える／捧げる to it - and a 調査する by Workwell and the 協会 of 独立した・無所属 Professionals and the Self-雇うd (IPSE) 示唆するs many are not.?
Just 51 per cent put money into their 年金 each month, while three in four save 定期的に into cash accounts, the 熟考する／考慮する 設立する.?
The self-雇うd are putting more cash into their 貯金 than their 年金 マリファナs each month
A 調査する by Interactive 投資家 in 2023 示唆するs this 人物／姿／数字 could be even higher, finding that as many as three in four self-雇うd 労働者s are not 支払う／賃金ing into a 年金.
While they might not have large 年金 マリファナs, nearly half of the self-雇うd people 調査するd were 負債-解放する／自由な and had （疑いを）晴らすd any mortgages, credit cards or 貸付金s, によれば the Workwell 調査する. Around a third 借りがあるd いっそう少なく than £100,000 in total.
の中で those who do 投資する in 年金s, the 普通の／平均（する） 月毎の 出資／貢献 is around £218, compared with £215 a month going into cash accounts, £237 into Isas and £184 into other 投資 製品s.
While it might not be as simple as (a)自動的な／(n)自動拳銃 enrolment, there are good 推論する／理由s to 投資する in a 年金 as a self-雇うd person, and it's never too late to start.
Becky O'Connor, director of public 事件／事情／状勢s at the 年金 壇・綱領・公約 PensionBee says: 'I think most self-雇うd people are acutely aware that 年金 準備／条項 is a bit of 黒人／ボイコット 位置／汚点／見つけ出す on the horizon for them, but few feel able to do much about it.
'存在 self-雇うd can be all-吸収するing, so finding the time or inclination to think long 称する，呼ぶ／期間／用語, beyond what's coming in i n the next few months, can feel like a stretch.'
If you're self-雇うd and put thoughts of your 年金 to the 支援する of your mind, we explain why it's important to start saving into a 年金 and how to do it.
Why save into a 年金?
年金s are the best way to put money away for 退職. Even small 月毎の 出資／貢献s can make a 重要な difference to your lifestyle in old age.
同様に as the satisfaction of seeing your マリファナ build, you also receive 税金 救済 on 年金 出資／貢献s.
For most people, （人命などを）奪う，主張するing the 税金 救済 on their 年金 is pretty simple. If you're a basic 率 taxpayer, you 支払う／賃金 20 per cent 所得税 on everything earned above the personal allowance (£12,570).?
However, if you put money into your 年金, you are refunded on the 税金 you already paid.
For most people this 作品 out as 25 per cent on 最高の，を越す of whatever you 支払う／賃金 in. So if you put in £100 a month, you will automatically get £25 on 最高の，を越す of that 経由で 税金 救済.
If you're a basic 率 taxpayer 支払う／賃金ing 20 per cent 所得税, £125 before 税金 becomes £100. When you go to put this money into your 年金, you are getting the 所得税 you 初めは paid 支援する, so your £100 出資／貢献 becomes £125.
If you're a higher 率 taxpayer you'll get even more 税金 救済, however you will need to （人命などを）奪う，主張する this through your self-査定／評価 税金 return.
You can 利益 from 年金 税金 救済 until the age of 75. Even if you're 近づくing 退職 age, you can still make a difference by 開始 a 年金 now.
Gary Smith, partner in 財政上の planning at wealth 経営者／支配人 Evelyn Partners says: 'Where 商売／仕事 owners aren't making any 年金 出資／貢献s I would certainly encourage them to do so, as they could be 行方不明の out on 税金 救済 on any personal 出資／貢献s, and 会社／団体 税金 on any 出資／貢献s that are made through the 商売／仕事.
'その上に, for those who own a 限られた／立憲的な company, making 雇用者 出資／貢献s is often a very useful method of 上げるing 年金 saving, 特に if they only take a 名目上の salary from the 商売／仕事 (say £12,000) which would 制限する how much they can 与える／捧げる 本人自身で.'
利益s: Saving into a 年金 as a self-雇うd person has さまざまな 税金 advantages?
O'Connor 追加するs: 'I wonder if there's a mistaken belief that without 雇用者 出資／貢献s, there's no point bothering with a 年金 and you may 同様に just 選ぶ for 貯金.
'This might 茎・取り除く from not 適切に understanding the 利益s of 税金 救済, and that you still get 税金 救済 even if you are self-雇うd - and that it is very 価値のある. It is certainly more of an uplift than 利益／興味 on 貯金 accounts.?
'Thousands of PensionBee 顧客s are self-雇うd, many with their own companies. Those who 支払う／賃金 themselves on payroll often 始める，決める themselves up with 従業員 年金s through their own companies, too.'
Are the self-雇うd 適格の for the 明言する／公表する 年金?
If you're self-雇うd, you're 適格の for the 明言する／公表する 年金 if you've paid at least 10 years of 国家の 保険 出資／貢献s. You'll need to have paid 出資／貢献s for at least 35 years to receive the 十分な 量.
If you're not 適格の because of insufficient 出資／貢献s, you could make voluntary 支払い（額）s to （不足などを）補う for lost years.
The 明言する／公表する 年金 is an important part of any 退職 計画（する） and the good news is that the 量 has risen 意味ありげに because of the '３倍になる lock' - the 政策 of 増加するing the 支払い（額） in line with the highest of 給料, インフレーション or 2.5 per cent.
Last year the 給料 人物／姿／数字s was highest meaning the 明言する／公表する 年金 is 始める，決める to rise by 8.5 per cent in April.
現在／一般に, the 最大限 明言する／公表する 年金 is £203.85 per week (税金 year 2023/24), which equates to £10,600.20 a year, but th is might not cover all of your living expenses.
The 年金s and Lifetime 貯金 協会 has 見積（る）s of what sort of lifestyle a 選び出す／独身 person or couple can 推定する／予想する when they retire, based on how much they're able to save.
How much do you need to save? This shows what さまざまな 年次の 年金 量s will 支払う／賃金 for in 退職, based on a 選び出す／独身 person (Source: PLSA)
However these 人物／姿／数字s 除外する 住宅 costs, so you'll need to think about putting some more cash away if you're renting or still 支払う／賃金ing off a mortgage.
The PLSA 見積（る）s a couple would need to have £23,300 a year to live a 穏健な lifestyle and £37,300 a year for a comfortable lifestyle.
This means if you're self-雇うd and have become used to a 確かな lifestyle, you might want to consider 開始 a 私的な 年金 to 補足（する） the 明言する／公表する 年金.
> How to start a 年金 from scratch and why it's never too late to save??
How the self-雇うd can 始める，決める up a 年金
It's never too late to start saving for your 退職 and thankfully, there are a lot of low-cost 年金s 利用できる.
You will need to do your own 研究 to 確実にする that you find a 年金 that 作品 for you.
Some of the 重要な questions you'll need to ask yourself are:
- How much money do you have in your 年金?
- What type of 投資s do you want to 持つ／拘留する?
- Do you want to manage these 投資s yourself or have someone else do it for you?
- Do you have 存在するing 年金s that you want to 強固にする／合併する／制圧する?
- Will you 与える／捧げる 月毎の or in lump sums?
If you already 投資する in an Isa, your 壇・綱領・公約 will likely 許す you to open a self-投資するd personal 年金 (Sipp), which 許す you to 支配（する）／統制する the 投資s that （不足などを）補う your 年金 マリファナ.
