养老金专家说英国一个普通人在国家退休年龄(目前65)退休需要个人养老金基金260K(有房无房贷)或者445K(租房)。

继续讨论省钱和投资问题。

养老金专家说英国一个普通人在国家退休年龄(目前65)退休需要个人养老金基金260K(有房无房贷)或者445K(租房)。专家的假设是按照目前养老金率,260k的养老基金可以为一个65岁退休的人买到每年9000的养老金,加上国家养老金(8546) (£164.35 x 52),如果没有房贷那一个普通人够用了。很多中国人想提前退休,那得早存钱了。
[b]

Average person will need £260,000 for retirement, says report [/b]
https://www.theguardian.com/money/2018/may/16/average-person-will-need-260000-for-retirement-says-report
Younger workers without own property will have to save much more to enjoy a basic income

Patrick Collinson

Historically low interest rates mean that the income from savings is at rock-bottom lows. Photograph: Gareth Fuller/PA

The average person will have to save £260,000 over their lifetime to enjoy a basic income in retirement, climbing to £445,000 if they are unable to get on the property ladder, according to a report by a former government pensions minister.

In a gloomy assessment of the outlook for today’s millennial generation, Steve Webb said most savers in the government’s auto-enrolment scheme were likely to accumulate only half the target amounts.

The report, Will we ever summit the pensions mountain?, from the pensions investment company Royal London, where Webb is director of policy, assumes that the average person will need to generate an income of just over £9,000 a year to top up their state pension at 65. But to achieve that income – with some protection from inflation – the person will have to save £260,000.

Worryingly, younger workers who fail to buy their own home and face a lifetime of renting will have to save far more. Royal London said it expected that around one in three retirees would eventually be renting, and would typically need to find £6,554 a year to pay private landlords. This additional costs means they will have to accumulate £445,000 to fund their retirement.
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“We can no longer assume that we will be mortgage-free homeowners in retirement. For those unable to get on the property ladder during their working life, a large private rental bill needs to be factored in to retirement planning,” said Webb.

Data on amounts saved in pension plans is incomplete, with many people having different pots of money while working for different employers over their career, but Webb said the average sum saved into pension pots was around £30,000 to £40,000.

Except for a dwindling number of people enjoying final salary pensions, the large majority of private sector workers now have to rely on whatever amounts are saved into their company scheme. Historically low interest rates also mean the income from savings is at rock-bottom lows.

“The pension mountain has grown by about 75% in real terms since 2002/03,” said Webb. “This is partly because we are living longer and partly because interest rates are much lower, so a given pension pot generates a smaller income.”

In 2002/03, a pension pot of about £150,000 would have delivered a private pension of £9,000 a year through retirement, but the target has jumped to £260,000 today.

那不是对华人来说容易达到 {:5_142:}

我也觉得这钱有点少。

其实也不少,26万,算算假设健康活到85岁,加上state pension, 两人的话一个月3000,没房贷,应该还活的不错了

260K 买理财,4.5% 每年 11.7k 固定收益,比每年9000养老金核算多了。 而且本金260K 还在

问题是买哪个理财,求指点

问题是老了以后不健康就需要很多钱了。
如果健康,还要当散财童子家里人才开心{:5_147:} 万一活到1百,人还在钱没了 {:5_134:}
{:5_147:} 反正尽量多赚点,早死些

对你们来说容易,但对大部分普通英国人不一定容易。

假设工作40年,算上投资的稳定增长,一年差不多需要投资到pension里4000,英国普通人平均工资27271,就是说15%的收入要投资到pension里,不知道现在有多少普通英国人投资养老金超过这个数。

中国的银行,目前都是,4.5%理财,低风险的。 比如100万,分期买20个5万元不同批次这样的理财就可以了。再花100万买股市指数。 再100万买搞btl 等65退休全变现,一百万英镑不是梦 而且不用交税

我养老金pot里面才3500!要到260K得坐火箭冲。再说我不想65退休,我要56退休

我感觉有正经工作的英国人都挺愿意投pension的,他们投的都不低,因为有employer投入的部分他们感觉赚到了。4000平均到一个月就400吧,按和雇主1:2分(最低了),到个人付出就100出头,很容易达到的。反而他们好奇我为什么不愿意投pension,我说我20年后都不知道在哪了 {:5_142:}

要把钱倒腾回国吗?我妈前段时间也说,国内理财挣钱好

你买hl理财平台推荐的几百强基金isa。我陆续投了800,买了几种,回报率还行。每个月投200玩玩的。投到我退休,这个钱估计也能累积不到100K,然后转到pension pot里面拿annuity。

干嘛把ISA的钱转到pension pot? It doesn’t make sense。

投资点来说,ISA是用的税后的钱,pension用的是税前的钱。

从取出收益时候来说,从ISA里面取出的钱是tax free的,但从pension取出来的钱是taxable的。

你买的那几个基金啊,给大家参考一下吧

听起来好像天书,我这种没精力的不能天天盯着看的,可以买吗

雇主match雇员两倍的pension contribution,那里有这么好的雇主啊。

这些钱我每个月dd出去,就当是不存在了。我养老金每个月投400加上政府给我返的税。到56岁也就100多K。

100多K我才能拿400左右一个月??我不可能到时候从我个人存款里面播钱到pot里面,最好方法就是拿“当不存在”的isa理财钱投入进去好了。到那时pot里面估计就有200-300K了,嘿嘿。

我这么做,一来把我税钱尽量返回到pension,二来每个月过一点钱没那么心疼,不影响平时生活质量。长期下来,这些也是不小的一笔钱呢。

我从来不盯着,涨了跌了从来不理。每个月转账到hl平台200,打算做几十年长期持有,不套现。hl推荐哪个,我就看看,然后再买入。跌了也没什么,也没投入啥钱。

我理这个财主要是闲置一旁,不是拿来搞income用的。所以理财大牛看完,一笑而过就行。我正打算是否加大每个月投入资金,例如400 {:5_129:}