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  1. #1
    Respected Member estherboaz's Avatar
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    NI is like SSS in our country...


  2. #2
    Respected Member Ella's Avatar
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    Quote Originally Posted by estherboaz View Post
    NI is like SSS in our country...
    Hahah maybe you got it right estherboaz But I'm not sure exactly
    Until now I'm still paying my SSS contribution voluntarily.
    I need to figure out if I can do the same here in my National Insurance contribution.


  3. #3
    Moderator joebloggs's Avatar
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    Quote Originally Posted by Ella View Post
    Hahah maybe you got it right estherboaz But I'm not sure exactly
    Until now I'm still paying my SSS contribution voluntarily.
    I need to figure out if I can do the same here in my National Insurance contribution.
    why bornatbirth from your own link

    Qualifying years needed for entitlement to the full basic State Pension
    Number of qualifying years Men Women
    If you reach State Pension age on or after 6 April 2010 30 30
    If you reached State Pension before 6 April 2010 Normally 44 Normally 39

    and Whether it will make sense for you to fill in the gaps by paying voluntary National Insurance contributions will depend on a number of factors.
    http://www.filipinouk.com/forum/image.php?type=sigpic&userid=870&dateline=1270312908


  4. #4
    Respected Member Bluebirdjones's Avatar
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    Why pay to the Government ???? (via voluntary contributions)
    This isn't your only option.

    There are many private pension or savings schemes that you can pay into in this country.
    Any financial advisor can tell you about them, and go with a reputable company.
    ... and most will allow you to vary your contributions.

    Some will pay a monthly "pension" at retirement age.... whereas others will pay out a lump sum,
    which you can use to buy an annuity.
    No man is an island, but Barry is


  5. #5
    Moderator joebloggs's Avatar
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    Quote Originally Posted by Bluebirdjones View Post
    Why pay to the Government ???? (via voluntary contributions)
    This isn't your only option.

    There are many private pension or savings schemes that you can pay into in this country.
    Any financial advisor can tell you about them, and go with a reputable company.
    ... and most will allow you to vary your contributions.

    Some will pay a monthly "pension" at retirement age.... whereas others will pay out a lump sum,
    which you can use to buy an annuity.
    true but i would have thought you would have to a lot more privately than £12wk to get £97 what ever the weekly pension is, also it will not go down in value, and it will not go up much either

    http://www.filipinouk.com/forum/image.php?type=sigpic&userid=870&dateline=1270312908


  6. #6
    Respected Member Bluebirdjones's Avatar
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    but a private pension ...
    ...will allow u the option of taking a lump sum out at retirement age
    .... will be "transferable", hence allowing your various employers to pay into it (if they offer you this option)
    ....will allow you to increase/vary your contributions if u so desire.
    ... has tax advantages

    If you're just relying on a State Pension for your retirement ...... heaven help you.
    No man is an island, but Barry is


  7. #7
    Moderator joebloggs's Avatar
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    Quote Originally Posted by Bluebirdjones View Post
    but a private pension ...
    ...will allow u the option of taking a lump sum out at retirement age
    .... will be "transferable", hence allowing your various employers to pay into it (if they offer you this option)
    ....will allow you to increase/vary your contributions if u so desire.
    ... has tax advantages

    If you're just relying on a State Pension for your retirement ...... heaven help you.
    and if your relying on just a private pension, pray the stock market help you

    i had a private pension where work put in 50% of what ever i put in a month for a few years, that was like 15yrs ago, i think the amount in the pot is roughly what i put in 15yrs agoi..

    anyway my pension is my younger misses, shes be working for at least 6yrs after i retire

    for £50 a month for the next 30yrs what will a private pension fund ESTIMATE to be paying out monthly ?? £400 a month like the state pension .?
    http://www.filipinouk.com/forum/image.php?type=sigpic&userid=870&dateline=1270312908


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