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Which pension arrangement is applicable to you?
- Have an active defined benefit pension (15 votes [17.24%])
- Have an active defined contribution pension (29 votes [33.33%])
- Have some kind of pension, but no longer contribute (17 votes [19.54%])
- Have no pension, but would consider one (8 votes [9.20%])
- Have no pension, never will either (18 votes [20.69%])
How will you fund your retirement
- State pension (57 votes [30.16%])
- Job pension (42 votes [22.22%])
- Private investment (51 votes [26.98%])
- Property (15 votes [7.94%])
- Intend on working in retirement (24 votes [12.70%])
#1 
?
- Group: Members
- Posts: 311
- Joined: 23-August 07
Posted Yesterday, 12:41 PM
Just interested in knowing the breakdown of pensions on this board. From anecdotal evidence, it sounds like opinions on pensions are split down the middle.
#2 ?
- Group: Members
- Posts: 2,557
- Joined: 22-May 07
Posted Yesterday, 12:50 PM
NuBrit, on 21 May 2012 - 12:41 PM, said:
Just interested in knowing the breakdown of pensions on this board. From anecdotal evidence, it sounds like opinions on pensions are split down the middle.
Why have you included "State pension" on the list of "how will you fund retirement" - it's compulsory?
or do you mean "state pension only" or "do you think the state pension will still be around when you retire?"
Interesting poll though
"A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain." Mark Twain
#3 ?
- Group: Members
- Posts: 311
- Joined: 23-August 07
Posted Yesterday, 12:53 PM
scottbeard, on 21 May 2012 - 12:50 PM, said:
or do you mean "state pension only" or "do you think the state pension will still be around when you retire?"
Interesting poll though
Self employed people can opt out of receiving a state pension if they don't pay the NI contributions.
#4 ?
- Group: Members
- Posts: 961
- Joined: 14-September 08
Posted Yesterday, 01:12 PM
I put down property but it will only be my own home that will save me paying rent.
#5 ?
- Group: Members
- Posts: 9,696
- Joined: 01-September 08
Posted Yesterday, 01:28 PM
gf3, on 21 May 2012 - 01:12 PM, said:
I put down property but it will only be my own home that will save me paying rent.
Indeed, that's worth a lot.
Perhaps there should be two categories for property: one being for a rent-free home, the other for 'investment' property.
#6 ?
- Group: Members
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- Joined: 11-March 09
Posted Yesterday, 03:37 PM
porca mis?ria, on 21 May 2012 - 01:28 PM, said:
Perhaps there should be two categories for property: one being for a rent-free home, the other for 'investment' property.
Surely most people who didn't join a corporation at 18 or 21 and stay there for life have a mix ... I have at least two defined benefit schemes sitting waiting on me (one reasonably large) and several defined contribution pots as well which I've always pondered bringing together. As I just turned 50 I'm hammering away at AVCs into the current one.
I suspect the check-boxes won't capture the complexity of most people's arrangements.
Also I suspect the sample here will be rather different from the public at large. 
#7 ?
- Group: Members
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- Joined: 21-August 04
Posted Yesterday, 03:45 PM
NuBrit, on 21 May 2012 - 12:53 PM, said:
Self employed people can opt out of receiving a state pension if they don't pay the NI contributions.
I don't think you're completely in possession of all the facts.
#8 ?
- Group: Members
- Posts: 8,162
- Joined: 15-December 07
Posted Yesterday, 04:29 PM
I retired in my mid fifties but the questions don't really fit my situation.During my working life I paid into the state pension through NI. For some of the time I paid into the state higher pension schemes, opted out and paid into a private pension scheme, then opted back in again.
My retirement is funded by a mixture of income from savings, money from the sale of my business, annuity bought with private pension pot. State pension does not kick in for a few more years.
See Below:
It looks to me like there is a massive coordinated attempt by the various VIs to engineer a spring bounce by press releases and trolling popular Internet forums such as this.
Following the reported 1.9% monthly rise from a government controlled lender and the (expected) 0.5% rate cut, this forum seems to be targeted by bulls, many joining in the last few day to talk up the market.
The general drift seems to be... 'Savings accounts are paying a pittance so get into property now and pick up a bargain'.
I wonder if the various EA and lenders associations are emailing their members, suggesting that joining this forum to talk up the market would be a good idea.
Note: The above was posted in late January 2009, the following is updated as and when required.
#9 ?
- Group: Members
- Posts: 1,567
- Joined: 19-May 09
Posted Yesterday, 04:32 PM
State Pension, but the good sh1t! Army pension, always assuming there's money in the coffers to fund it
Also contribute a small percentage of wage to my present companies pension plan (non-defined), but only because the company adds a similar amount.
Will have paid off my home before I hit 55, and my partners previous home is already providing an income.
Not too worried about working on, as I have that rarest of things, a job I enjoy 
#10 ?
- Group: Members
- Posts: 6,064
- Joined: 02-November 06
Posted Yesterday, 04:38 PM
scottbeard, on 21 May 2012 - 12:50 PM, said:
Why have you included "State pension" on the list of "how will you fund retirement" - it's compulsory?
Some respondents may believe that it won't exist by the time they come to retire, it'll be worth so little as to be insignificant and/or that they won't survive long enough to collect it.
#11 ?
- Group: Members
- Posts: 215
- Joined: 11-December 04
Posted Yesterday, 04:54 PM
NuBrit, on 21 May 2012 - 12:41 PM, said:
Just interested in knowing the breakdown of pensions on this board. From anecdotal evidence, it sounds like opinions on pensions are split down the middle.
what is missing as option to fund the pension is inheritance - this will be increasingly true for many when their (often, but of course not always, wealthy) boomer parents retire. in the past, inheritance helped getting a house for your growing family (the house you inherited). today, as people get older, inheritance typically comes just in time when you retire. IF care etc has not eaten it away...
anyway, my retirement plan is my house ;-) which I plan to own outright well before I retire, and then we plan to sell it and move to a sunny country. Then there is a defined contribution pension plan (currently worth about ?100k, and by the time I retire in 25 yrs hopefully about ?300k at today's value), plus two expected inheritances of in total about (at current value) ?300k in about 25yrs. This should be in total well above ?1m (at today's value) in 25 yrs time, from four different independent sources. And of course there is still the basic state pension, which I assume will still exist in one way or another but I prefer not to rely on it as by then it might only be available for the poorest, so most likely not for me.
This post has been edited by Lion: Yesterday, 04:55 PM
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