做builder和拿现金的同胞们,记得交NI,为了基本退休金

做builder和拿现金的同胞们,记得交NI,为了基本退休金。这几天自己弄花园是在没有精力写太多。拿现金的,实在不行自己交一下社会保险号。
https://www.gov.uk/new-state-pension
别问问题,自己看吧,没有精力回拉。回家还要搬100块地砖。现在基本每天搬一吨东西,实在没有力气回拉。

You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. They don’t have to be 10 qualifying years in a row.

This means for 10 years at least one or more of the following applied to you:
•you were working and paid National Insurance contributions
•you were getting National Insurance credits for example if you were unemployed, ill or a parent or carer
•you were paying voluntary National Insurance contributions

If you’ve lived or worked abroad you might still be able to get some new State Pension.

You might also qualify if you’ve paid married women’s or widow’s reduced rate contributions.

Qualifying years if you’re working

When you’re working you pay National Insurance and get a qualifying year if:
•you’re employed and earning over £157 a week from one employer
•you’re self-employed and paying National Insurance contributions

You might not pay National Insurance contributions because you’re earning less than £157 a week. You may still get a qualifying year if you earn between £113 and £157 a week from one employer.

https://www.gov.uk/voluntary-national-insurance-contributions/who-can-pay-voluntary-contributions
Who can pay voluntary contributions

These tables explain who’s eligible to pay Class 2 or Class 3 contributions.

Your situation

Which class to pay

Employed but earning under £113 a week and not eligible for National Insurance credits Class 3
Self-employed with profits under £6,025 Class 2 or Class 3 - they count towards different benefits

Both employed and self-employed, with low earnings and small profits Contact HM Revenue and

Customs (HMRC) to check if you have a gap and how much you need to pay
Self-employed as an examiner, minister of religion or in an investment or land and property business Class 2 or Class 3 - they count towards different benefits

Living and working abroad Class 2 - but only if you worked in the UK immediately before leaving, and you’ve previously lived in the UK for 3 years in a row or paid 3 years’ National Insurance
Living abroad but not working Class 3 - but only if at some point you’ve lived in the UK continuously for 3 years or paid 3 years of contributions

Unemployed and not claiming benefits Class 3

Married woman or widow who stopped paying reduced rates Class 3

大叔,那个方案更划算?

1 注册自雇,交自雇的NI,年收入不超过11k没有税交。

2 作为雇员,通过雇主交,同样收入不超11k没有税

3 自愿交NI, voluntary national insurance

4 生个孩子并且领child benifit,孩子12岁以下这些年等同交了NI,第一个孩子12岁以后再生一个再来12年。
{:5_142:}

等我弄完花园研究一下。不研究透不敢给建议。现在实在没有时间。就是提醒拿现金的同胞别忘了交ni,要不以后拿退休金麻烦。这不4月份过了,该报税拉

如果说最合算的话是拿基本退休金。年轻投几套房子出租。以房养老。

补充一下大叔的贴,这里有个计算器可以计算每个人的可以拿国家基本退休金的年龄。
https://www.gov.uk/state-pension-age
现在30岁左右的人得到68岁才能领basic state pension。

想要早退休就需要投资personal pension了,这个到55岁就可以拿了,personal pension的好处有tax relief就是说投资pension的是钱是税前的,有工作的自然是加入公司的pension scheme。

没有工作的人可不可以投资personal pension?完全可以,可以自己投资一个SIPP (Self Invested Personal Pension),这个同样有“tax relief”,每个人每年最多可以投资2880,加上政府补的720,就成了3600。
https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief
-----------------
最后强调一下,pension是个长期的投资,如果有这方面的考虑,最好找一个靠谱的Financial advisor咨询一下。


@mmymm 谢谢你的提醒,刚刚查了一下,确实是-10,目前23岁一下的人就是70-10=60了,以后还有可能增加
http://www.telegraph.co.uk/finance/personalfinance/special-reports/11537512/Cash-in-your-pension-at-55-You-may-have-to-wait-till-70.html
按照这样发展下去,pension is becoming a joke!! {:5_135:}

大叔 没工作没收入没资格领福利(因partner的收入不符合条件领福利)
怎么交Nl最划算呢?谢谢!
(我只拿永居来英8年)

同问,我也很想知道。

拿Child benefit 是不是也要报税, 每个月可以领多少钱。

政府网站有详细信息
https://www.gov.uk/topic/benefits-credits/child-benefit

基本退休金虽少,但是也比没有强。够吃饭和交bill了。想有多余的零花钱,还有有personal pension.可以跟保险公司买,一个月给个500左右,每十年翻翻缴纳,到50多就可以拿退休金了。虽然也不多,但是升过没有。

我现在在这边交NI,交到退休,我要回国养老了,我的退休金怎么领呢?

照样可以领
https://www.gov.uk/state-pension-if-you-retire-abroad/how-to-claim
前些年英镑坚挺泰国还比较穷的时候,英国很多退休糟老头子拿英国退休金到泰国可以生活的很不错了。

第一种今年涨价了,往年是一年140,今年涨了10倍是不是?
第三种一年要交多少呢

https://www.gov.uk/voluntary-national-insurance-contributions/rates
不是很清楚,按照这个网站的信息,好像是。

如果前面一年你付的是class 2,那就付class 2,2.85一周。
如果前面两年你付的是class 3,那就付class 3,14.25一周。

我交的是CLASS2的,好像今年涨了90%

你没工作是因为在家带娃吗?
前面龙哥有提到–有领child benifit,孩子12岁以下这些年等同交了NI

personal pension 不是55, 是法定退休年龄-10, 现在是55 以后是57,58等等

还能玩年轻的泰妹,日子不要太舒服哦

生娃

干活悠着点,岁数在那摆着呢