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Author Pensions
loubielou
Member

Registered: 14th Jan 07
Location: North Finchley, Greater London
User status: Offline
10th Aug 08 at 20:02   View User's Profile U2U Member Reply With Quote

Have you started paying in?
How much do you pay in?
Do your company match what you pay?
and finally, at what age did you start?

I'm considering starting mine, wouldnt be too much each month and getting a pay rise so probs wouldnt notice. My work will match whatever i pay in plus a bit more. I'm guessing the earlier the better?
Aaron
Member

Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
10th Aug 08 at 20:03   View User's Profile U2U Member Reply With Quote

- Yes
- 7% of my wage (thats what i contribute) Employer puts in much much more
- See above
- Started at 16, now 25

[Edited on 10-08-2008 by Aaron]
Cosmo
Member

Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
10th Aug 08 at 20:03   View User's Profile U2U Member Reply With Quote

Fuck that, I'll worry about that when Im old!
IvIarkgraham
Premium Member

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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
10th Aug 08 at 20:04   View Garage View User's Profile U2U Member Reply With Quote

19 5% of my wage company matches upto 3%
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
10th Aug 08 at 20:06   View User's Profile U2U Member Reply With Quote

Babe
Cosmo
Member

Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
10th Aug 08 at 20:06   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Whittie
Babe


Yes?
Aaron
Member

Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
10th Aug 08 at 20:06   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Whittie
Babe


Hi Hun
Dom H
Member

Registered: 14th Jun 06
User status: Offline
10th Aug 08 at 20:07   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Cosmo
Fuck that, I'll worry about that when Im old!
Cosmo
Member

Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
10th Aug 08 at 20:08   View User's Profile U2U Member Reply With Quote

Aaron/Aj. = FAILZ

or

Whittie = SLUTZ
Robbo
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Registered: 6th Aug 02
Location: London
User status: Offline
10th Aug 08 at 20:08   View User's Profile U2U Member Reply With Quote

- Yes
- 5% of my wage (thats what i contribute) Employer puts in 7.5%
- See above
- Started at 18, now 26

Have been in pension schemes where employer pays in 15.9%
Tiger
Member

Registered: 12th Jun 01
Location: Nuneaton Drives:Audi A4 2.0TDi
User status: Offline
10th Aug 08 at 20:08   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Cosmo
Fuck that, I'll worry about that when Im old!
Cosmo
Member

Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
10th Aug 08 at 20:09   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Robbo
Have been in pension schemes where employer pays in 15.9%


See now thats one I couldnt ignore
Robbo
Member

Registered: 6th Aug 02
Location: London
User status: Offline
10th Aug 08 at 20:11   View User's Profile U2U Member Reply With Quote



No-one should avoid any where the emploter pays in above 5% IMO

Last 3 companies have been

(Ees, Ers)
5% and 13.6% (final salary)
5% and 15.9% (final salary)
5% and 7.5% (defined cont'n )
Seany
Member

Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
10th Aug 08 at 20:13   View User's Profile U2U Member Reply With Quote

started when i was 16 and put in7% of my weekly wage.
company matches that and adds 3% on top extra
only 23 now but i get a cash lump sum when im 50 and they pay me a weekly pension at 65
Joe
Member

Registered: 20th Jun 04
Location: Hesketh Bank, Lancashire
User status: Offline
10th Aug 08 at 20:14   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Cosmo
Fuck that, I'll worry about that when Im old!


quote:
Originally posted by Dom H
quote:
Originally posted by Cosmo
Fuck that, I'll worry about that when Im old!



quote:
Originally posted by Tiger
quote:
Originally posted by Cosmo
Fuck that, I'll worry about that when Im old!

loubielou
Member

Registered: 14th Jan 07
Location: North Finchley, Greater London
User status: Offline
10th Aug 08 at 20:14   View User's Profile U2U Member Reply With Quote

would you advise to start as early as possible?
Mobby
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Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
10th Aug 08 at 20:15   View User's Profile U2U Member Reply With Quote

iv heard the government take alot off you
Seany
Member

Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
10th Aug 08 at 20:16   View User's Profile U2U Member Reply With Quote

depends if you will miss the money now, as to when you start.
Robbo
Member

Registered: 6th Aug 02
Location: London
User status: Offline
10th Aug 08 at 20:16   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by loubielou
would you advise to start as early as possible?
Yes

And to those sayign ill worry about it when youre older, enjopy being poor There will be NO state pension when we are older, and youll have to rely on your own pension
Colin
Member

Registered: 4th Apr 02
Location: Drives a hire car
User status: Offline
10th Aug 08 at 20:16   View User's Profile U2U Member Reply With Quote

Im 26 & havnt ever had one

However with my new job im hoping to get a non contributery final salary pension, if I can get 25yrs or so out of them that is :\

Another idea of mine is to get a second home, rent it out to pay the mortgage & hopefully this will bring me more income than a pension would.
Theham85
Member

Registered: 29th Nov 06
Location: Brisbane Queensland
User status: Offline
10th Aug 08 at 20:16   View User's Profile U2U Member Reply With Quote

If I had my head screwed on the right way round I would have started a pension plan. Sounds a good idea

EDIT: I just forgot I will be extremely rich so won't have to

[Edited on 10-08-2008 by Theham85]
Cosmo
Member

Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
10th Aug 08 at 20:16   View User's Profile U2U Member Reply With Quote

Harry has you sorted for life Joe.

Robbo - Im worried
Joe
Member

Registered: 20th Jun 04
Location: Hesketh Bank, Lancashire
User status: Offline
10th Aug 08 at 20:17   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Cosmo
Harry has you sorted for life Joe.

Robbo - Im worried


As will your father. My parents don't have pensions, they don't seem worried.
Robbo
Member

Registered: 6th Aug 02
Location: London
User status: Offline
10th Aug 08 at 20:18   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by mobby
iv heard the government take alot off you
No, its a tax deductible cont'n so you only pay 78% of whatever u pay (i.e if you pay 5% then you'll only actually pay 3.9% with the givt making up the rest)

In addiiton if you contract out then the govt tops up your pension once a year
loubielou
Member

Registered: 14th Jan 07
Location: North Finchley, Greater London
User status: Offline
10th Aug 08 at 20:19   View User's Profile U2U Member Reply With Quote

tbh if you know youre not gonna have to worry about it when youre older then thats fair enough. I dont think i will need to but i dont want to rely solely on inheritance

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