英国论坛
Pension…
实际怎么操作，实例讲授，谢谢
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就是不必别的公司，本人来办理。 实例: 每个月公司的百分比，和你的百分比，加之政府的奉献的税率，三股气力加在一同， 投入到你本人选择的股票或基金。
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自雇的话就太灵敏了。各种办法来利用退休金来积攒。要看你的详细状况，好比你的集体状况，是在英国寓居仍是本国常住，有无资历开退休金，公司状况，好比是老板的话就间接开一个director pension能够投资更多产品。 倡议你和你的财务公司谈一谈， 详细状况详细剖析。
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很简略的说，就是本人办理投资基金，投资阿谁基金本人选择，而后把投资包装在pension外面，投资pension的钱不需求交税，给你提供sipp办事的公司会去hmrc把你交的税要回来的，就算不交税的人，一年也能够投资至多2880，而后要来20%的tax relief。
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楼上问题太多了，这个要写不少文字解答的。 你本人去www.hl.co.uk www.youinvest.co.uk 这两家看看SIPP 根本谜底都在。 而后选一个开户。
我用youinvest 一年100办理费
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Advantages of SIPPS
SIPPs enforce saving discipline until retirement (since you cannot withdraw your money early.)You receive tax relief upfront from the government when you make contributions, which can feel like the government is giving you money to save for your retirementIf you’re a taxpayer, you can contribute as much as 100% of your annual earnings into a pension, up to a maximum of £50,000 a year.All the income you receive and all your capital gains are exempt from tax.When you retire, you have the option of taking up to 25% of the value of your fund as a tax-free lump sum.SIPPs are more suited for higher-rate taxpayers.You can transfer your account between providers.You are likely to pay less tax in retirement than while you are working. This means high earners get 40% tax relief up front on their contributions but will probably only pay 20% tax on their pension income in retirement.When you die, your SIPP value is protected from Inheritance Tax.You do not have to retire from work to take benefits from your SIPP. Under current government legislation, you can begin taking benefits at any age from 55.From age 55, you can take your benefits in stages (both income and tax-free lump sum). This is known as phased retirement.From age 55, income can be taken in the form of:Drawdown PensionAnnuity (Secured Pension)Combination of Drawdown Pension and AnnuityFlexible Drawdown will allow some individuals the opportunity to withdraw as little or as much income from their pension fund as they choose as and when they need it. (You have to declare that you are already receiving a secure pension income of at least £20,000 a year and have finished saving into pensions.)Disadvantages of SIPPSEven though recently simplified, they can seem complicated for many investors.You get no access to your money until you are 55.You can only take 25% of the pension fund value directly free of tax, while the rest must be taken as a monthly ‘taxable’ income.There are restrictions on drawing an income in retirement. You either have to buy an annuity–and rates are the lowest they have been in years–or you draw income directly via drawdown. The GAD rate by which income drawdown limits are set has dropped to low levels.The maximum amount of income you can take as income is subject to government restrictions. The current capped drawdown limit is 100% but this will be raised to 十二0% from April 6, 2014.The amount of money you can build up in a SIPP is called ‘lifetime allowance’ and for the 20十二-2013 tax year, this limit is £1.5 million. If your fund has a value above £1.5 million, the excess will be subject to a tax charge of 25% and a possible lump sum levy of 55%.The Chancellor of the Exchequer announced in his 20十二 Autumn Statement that the maximum lifetime allowance amount would be cut from £1.5 million to £1.25 million.SIPPs are vulnerable to change. The government has become very fond of changing the rules on pensions in recent years. That means legislation could change during the period your money is locked away.The benefits of tax relief on contributions are largely offset by the income tax paid on pension income.
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:)
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反对反对
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