{"id":4474,"date":"2023-04-18T10:07:44","date_gmt":"2023-04-18T10:07:44","guid":{"rendered":"https:\/\/www.theukrules.co.uk\/?page_id=4474"},"modified":"2023-10-21T06:44:44","modified_gmt":"2023-10-21T06:44:44","slug":"planning-for-retirement","status":"publish","type":"page","link":"https:\/\/www.theukrules.co.uk\/rules\/employment\/pensions\/planning-for-retirement\/","title":{"rendered":"Planning for Retirement Income | Your Pension Options"},"content":{"rendered":"<p><strong>RETIREMENT PLANNING<\/strong>: It is easy to neglect saving enough money for later life. Planning for retirement is best done from an early age.<\/p>\n<p>A pension is a wise method of planning retirement income. As a rule, you can get money from:<\/p>\n<ul>\n<li>One of the government pension schemes.<\/li>\n<li>A pension scheme that you (or your employer) pays into.<\/li>\n<\/ul>\n<p>In some cases, the State Pension alone may not provide enough money when you retire. That is why it is smart to check how much you will need ahead of your retirement.<\/p>\n<p>The <a href=\"\/rules\/employment\/pensions\/state-pension\/basic\/\">basic State Pension<\/a> currently pays up to \u00a3141.85 a week per week for a single person. But, some people will qualify for the <a href=\"\/rules\/employment\/pensions\/state-pension\/additional-state-pension\/\">Additional State Pension<\/a> on top.<\/p>\n<p>Those who you reach State Pension age on or after the 6th of April 2016 will claim the new State Pension. You can get a <a href=\"\/rules\/employment\/pensions\/state-pension\/check\/\">State Pension Statement<\/a> to check how much you might get.<\/p>\n<p><\/p>\n<hr>\n<p><\/p>\n<h2>Money Advice Service Pension Calculator<\/h2>\n<p>There is a way to check online how much your pension could be worth. Follow the link to use the <a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/tools\/pension-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">Money Advice Service pension calculator<\/a>. The estimator tool will show you:<\/p>\n<ul>\n<li>The amount you can expect to receive. The pension calculator will work out the amount based on the age that you started paying into it.<\/li>\n<li>The change in pension value if you choose to delay the payments (from 1 to 5 years).<\/li>\n<\/ul>\n<p><\/p>\n<hr>\n<p><\/p>\n<h2>Pension Options for Retirement Planning<\/h2>\n<p>There is no limit on how many pension schemes you pay into. The determining factor is the amount of money you can set aside. As a rule, you get <a href=\"\/rules\/employment\/taxation\/income-tax\/private-pension-contributions\/\">tax relief on private pension contributions<\/a> &#8211; up to certain limits.<\/p>\n<h4>Private Pension Schemes<\/h4>\n<p><\/p>\n<ul>\n<li><a href=\"\/rules\/employment\/pensions\/workplace-pension\/overview\/\">Workplace Pensions<\/a>: Your employer will arrange this type of pension. As a rule, you and your employer both pay into the pot. The particular scheme offered by your employer determines the amount you get.<\/li>\n<li><a href=\"\/rules\/employment\/pensions\/personal-pension\/\">Personal Pension and Stakeholder Pensions<\/a>: These are private pensions you can pay into. Employers can also pay into them as part of their workplace pension scheme. The performance of the investment, and how much gets paid in, determines the amount you get.<\/li>\n<\/ul>\n<p><\/p>\n<h4>State Pension from UK Government<\/h4>\n<p>Your pension options if you reach the State Pension age on or after the 6th of April 2016.<\/p>\n<ul>\n<li><a href=\"\/rules\/employment\/pensions\/state-pension\/new-state-pension\/\">New State Pension<\/a>: This is a regular payment paid by the government. It goes to people who reach State Pension age on or after the 6th of April 2016. Your NI contributions and credits determine how much you get &#8211; up to \u00a3179.60 per week.<\/li>\n<li>Protected Payment: This is any amount over the full new State Pension from National Insurance contributions or credits from before the 6th of April 2016. It gets paid on top of the full new State Pension.<\/li>\n<li>Pension Credit: This applies to people on a low income. It tops up a weekly income to \u00a3182.60 (for single people) and \u00a3278.70 (for couples). Carers, the severely disabled, and those with certain housing costs may get more.<\/li>\n<\/ul>\n<p><\/p>\n<hr>\n<p><\/p>\n<h2>Private Pension Schemes<\/h2>\n<p><img decoding=\"async\" style=\"float: right\" src=\"https:\/\/www.theukrules.co.uk\/wp-content\/uploads\/2023\/04\/personal-pensions-your-rights.jpeg\">What are workplace pensions and personal pensions (or stakeholder pensions)? They are methods of planning a retirement income on top of the State Pension.<\/p>\n<p>As a rule, the income amount from most occupational and personal pensions depends on:<\/p>\n<ul>\n<li>How much money you paid into the policy.<\/li>\n<li>The performance of fund investments (sometimes shares).<\/li>\n<li>The age (and health) of the policy holder and how soon they start taking the pension pot.<\/li>\n<\/ul>\n<p><\/p>\n<h4>Workplace Pensions<\/h4>\n<p>Some employers offer their workers an option to join a workplace pension. They can also add contributions on top of what their staff pay.<\/p>\n<p>Often, the workers can make extra payments to boost their own pension pot. The big advantage of workplace pensions is their automatic <a href=\"\/rules\/employment\/pensions\/workplace-pension\/protection\/\">protection against risks<\/a>.<\/p>\n<p><strong>Note<\/strong>: The United Kingdom Government introduced new changes to the law on workplace pensions in 2018. Thus, employers must <a href=\"\/rules\/employment\/pensions\/workplace-pension\/overview\/\">automatically enrol staff<\/a> who meet certain criteria for a scheme.<\/p>\n<h4>Personal and Stakeholder Pensions<\/h4>\n<p>There are several advantages of having a personal or stakeholder pension. They include:<\/p>\n<ul>\n<li>Saving some extra money for later in life.<\/li>\n<li>Topping up a workplace pension.<\/li>\n<li>Retirement plans for self-employed people who do not have a workplace pension.<\/li>\n<li>Retirement plans for those who do not work but can afford to pay money into a pension scheme.<\/li>\n<\/ul>\n<p>Employers may offer stakeholder or private pensions as well as their workplace pensions. All stakeholder pensions must meet certain standards set out by the government in the United Kingdom.<\/p>\n<h4>How to Find a Lost Pension<\/h4>\n<p>The Pension Tracing Service can try to help you <a href=\"\/rules\/employment\/pensions\/workplace-pension\/\">trace a lost pension<\/a> that you already paid into.<\/p>\n<h4>Nominating Someone to get a Pension after Death<\/h4>\n<p>Your pension provider will confirm whether you can nominate someone to get funds from your pension pot after you die. You will need to check certain rules in the scheme, such as:<\/p>\n<ul>\n<li>Who can get nominated? Often, payments can only go to a direct dependant. Examples include a spouse, a civil partner, or a child under 23 years of age.<\/li>\n<li>What type of payments the nominated person can get (e.g. a lump sum or regular payments).<\/li>\n<li>Conditions that may change what the person gets. Examples would include the age at death and how and when you start taking the pension pot.<\/li>\n<\/ul>\n<p>In some cases, the pension provider can pay the money to a third party. The obvious reason would be if the nominated person has since died.<\/p>\n<p>Nominating a person to get your pension after you die may have tax implications. You may need to pay <a href=\"\/rules\/employment\/taxation\/income-tax\/inherited-pension\/\">tax on a private pension you inherit<\/a> through someone else&#8217;s death.<\/p>\n<p><\/p>\n<hr>\n<p><\/p>\n<h2>Pensions from UK Government<\/h2>\n<p>UK Government base the State Pension on <a href=\"\/rules\/employment\/taxation\/national-insurance\/\">National Insurance records<\/a>. They calculate how much NI you have paid after reaching the <a href=\"\/rules\/employment\/pensions\/state-pension\/\">State Pension age<\/a>.<\/p>\n<h4>Reached State Pension age Before 6th of April 2016<\/h4>\n<p>You will need 30 years&#8217; worth of NIC to qualify for the full <a href=\"\/rules\/employment\/pensions\/state-pension\/basic\/\">basic State Pension<\/a>. Certain people will also qualify for <a href=\"\/rules\/employment\/pensions\/state-pension\/additional-state-pension\/\">some of the Additional State Pension<\/a>.<\/p>\n<h4>Reach State Pension age on or after 6th of April 2016<\/h4>\n<p>Your National Insurance record will determine how much of the new State Pension you will get. NI contributions or credits made before 6th of April 2016 still count towards <a href=\"\/rules\/employment\/pensions\/state-pension\/new-state-pension\/\">the new State Pension<\/a>.<\/p>\n<p><strong>Note<\/strong>: As a rule, you need at least 10 qualifying years of National Insurance contributions or credits to qualify for any State Pension.<\/p>\n<h3>How to Get More State Pension<\/h3>\n<p><\/p>\n<h4>Deferring a Pension<\/h4>\n<p>One option of reaching State Pension age is being able to <a href=\"\/rules\/employment\/pensions\/state-pension\/deferral\/\">defer the State Pension<\/a> (delay payments). The advantage of doing this is getting more money for each year the pension gets deferred.<\/p>\n<h4>Pension Credit<\/h4>\n<p>Older people who are getting a low income may <a href=\"\/rules\/employment\/benefits\/entitlement\/pension-credit\/\">qualify for Pension Credit<\/a>. It helps to ensure they get a minimum amount each week. The application means showing all sources of income (e.g. personal savings). Those who get Pension Credit may qualify for other <a href=\"\/rules\/employment\/benefits\/entitlement\/\">benefits entitlements<\/a> as well.<\/p>\n<h4>People over 80<\/h4>\n<p>The <a href=\"\/rules\/employment\/pensions\/state-pension\/over-80\/\">government over 80 Pension<\/a> helps those with no State Pension (or very little income from one). The current amount for people getting the over 80s Pension is \u00a385 a week. But, you will not qualify if you reach State Pension age on or after the 6th of April 2016.<\/p>\n<p><\/p>\n<hr>\n<p><\/p>\n<h2>Working Beyond State Pension Age<\/h2>\n<p>UK <a href=\"\/rules\/employment\/\">employment legislation<\/a> does not force you to stop working at State Pension age. In this case, you do not need to pay National Insurance. An exception applies to those who are self-employed and paying Class 4 contributions.<\/p>\n<p>The law also protects your <a href=\"\/rules\/legal\/community\/discrimination-rights\/\">discrimination rights<\/a> after you reach State Pension age. You can choose to stay in your job or you can get a new one.<\/p>\n<div class=\"category-wrapper\">\n<div class=\"normal-content-one\">\n<h5>Staying in Work<\/h5>\n<p>The government call it State Pension age because there is no official retirement age in the UK. As a rule, you have the right to work for as long as you can &#8211; and want to.<\/p>\n<p>But, there are certain circumstances whereby employers can set a <a href=\"\/rules\/employment\/employing\/workers-rights\/working-after-state-pension-age\/\">compulsory retirement age<\/a> &#8211; if they choose to do so. Even so, employers cannot make workers redundant because of their age &#8216;only&#8217;.<\/p>\n<\/p><\/div>\n<div class=\"normal-content\">\n<h5>Taking a New Job<\/h5>\n<p>The law does not force you to give your date of birth if you apply for a new job. Employers cannot force you to give them this personal information if you prefer not to.<\/p>\n<p>In most cases, employers cannot set an age limit for a specific job. It may be legal if they can justify it or it is set out by law. Examples would include jobs requiring certain physical abilities (e.g. the fire service).<\/p>\n<\/p><\/div>\n<\/div>\n<p><strong>Note<\/strong>: Even after you reach the State Pension age you can still request <a href=\"\/rules\/employment\/employing\/contracts\/flexible-working\/\">flexible working hours<\/a>.<\/p>\n<p><\/p>\n<hr>\n<p><\/p>\n<h2>Advice on Planning for Retirement Income<\/h2>\n<p>There are several key areas to get help when planning for a pension and retirement income, such as:<\/p>\n<ul>\n<li>Planning and managing your savings and investments.<\/li>\n<li>Choosing between a <a href=\"\/rules\/employment\/pensions\/personal-pension\/\">personal pension<\/a> or a stakeholder pension.<\/li>\n<li>Deciding how and when to get your retirement income or <a href=\"\/rules\/employment\/pensions\/state-pension\/deferral\/\">defer State Pension payments<\/a>.<\/li>\n<\/ul>\n<p>Contact Pension Wise for expert information about personal pension options. Those who are over 50 can book a free appointment. But, Pension Wise do not cover &#8216;final salary&#8217;, &#8216;career average&#8217; pensions or the State Pension.<\/p>\n<h4>Paying for Financial Advice<\/h4>\n<p>The company &#8216;Unbiased&#8217; can help you find a financial adviser but there is usually a fee to pay for their services.<\/p>\n<p><strong>Note<\/strong>: Your pension provider will tell you if you qualify for taking money out if a pension to pay for legal advice. If so, you can withdraw up to \u00a3500 per year to pay for financial advice on retirement planning. You can do this three (3) separate times without a acquiring a tax charge.<\/p>\n<p><\/p>\n<hr>\n<p><\/p>\n<div class=\"updated-data\"><strong>Planning for Retirement Income in United Kingdom<\/strong><br \/>\n<time datetime=\"2022-01-01\">Last Updated 2022<\/time><\/div>\n","protected":false},"excerpt":{"rendered":"<p>RETIREMENT PLANNING: It is easy to neglect saving enough money for later life. Planning for retirement is best done from an early age. A pension is a wise method of planning retirement income. As a rule, you can get money from: One of the government pension schemes. A pension scheme that you (or your employer)&hellip; <a class=\"more-link\" href=\"https:\/\/www.theukrules.co.uk\/rules\/employment\/pensions\/planning-for-retirement\/\">Continue reading <span class=\"screen-reader-text\">Planning for Retirement Income | Your Pension Options<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":936,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Planning for Retirement Income | Your Pension Options - UK Rules<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.theukrules.co.uk\/rules\/employment\/pensions\/planning-for-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Planning for Retirement Income | Your Pension Options - UK Rules\" \/>\n<meta property=\"og:description\" content=\"RETIREMENT PLANNING: It is easy to neglect saving enough money for later life. 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