Planning your retirement is set to get easier from April 2016, as the Queen’s Speech [...]
Pension Savers Get a Boost as ‘Pot Follows Member’ Policy NearsCreated by Arabela in Retirement and pensions
انتقل هنا الخيار الثنائي للعيش Workers who change jobs won’t have to worry about their manually transferring their pension or losing track of their hard-earned pension savings under new rules proposed by the Department for Work and Pensions.
ثنائي حجم السوق الخيار Steve Webb, treatment the Pensions Minister, order has described a “pot follows member” policy that would see any pension pot worth up to £10, treatment 000 automatically moving with a worker when they change jobs. These small pension pots will then be merged with the new employer’s workplace pension, letting employees easily keep track of their pensions even if they frequently change jobs.
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صيغة دلتا خيار ثنائي The “pot follows member” system is the solution to a problem that has been plaguing UK workers for decades. Over the course of a lifetime, the average Briton has 11 jobs. Meanwhile, research from Age UK shows that a quarter of all people lose track of pensions when they switch jobs. If a quarter of people ‘lost’ their pensions every time they changed employers, they could lose thousands of pounds.
In fact, the Department for Work and Pensions estimates that under the current system, 50 million pension pots will be inactive by 2050. Of these ‘orphaned’ pension pots, lost and forgotten, 12 million will be small pension pots worth less than £2,000. 33 million of these lost pots will be worth less than £10,000. That makes the new “pot follows member” scheme a lifesaver for 50 million pension pots that would otherwise sit dormant, likely getting eaten away by higher fees for being ‘inactivity.’
The Pensions Minister said: “Instead of having small pension pots all over the place, we want people to have a big fat pot which will buy them a better pension. When people change job they often leave behind a pension which becomes forgotten and which can even attract higher charges once they leave the firm. We want to make it the norm that when you move job your pension rights can move with you if you wish,” said Mr Webb of the proposals that will be revealed in the upcoming pensions bill.
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