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  • Alice_Holt
    Alice_Holt Posts: 6,094 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    kingrulzuk wrote: »
    I will work till I’m 40 and after that I’m away.
    Do I not get a state pension?

    State Pension from the age of 68.
    Which gives you 28 years to fund . How will you do that?

    As zagfilies said when you do reach the state retirement age, your pension will be greatly reduced due to ending NI contributions at 40. So,very roughly, instead of £155 pw you may get c.£80pw. Assuming you need £15k pa to live on, how do you fund the balance of £11k until the end of your life? (unless you intend to fall back on state benefits such as Pension Credit, Housing Benefit, and Council Tax support).
    Alice Holt Forest situated some 4 miles south of Farnham forms the most northerly gateway to the South Downs National Park.
  • zagfles
    zagfles Posts: 21,686 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Chutzpah Haggler
    edited 5 June 2016 at 1:09PM
    kingrulzuk wrote: »
    I agree with you and what year did they change access age from 50 to 55?
    2010. Not sure when it was announced, maybe around 2003 or so, pretty sure it was well after 1988. The govt have hinted it'll go up to 57 maybe around 2028 or so and will increase in line with state pension age, probably 10 years behind.
  • kingrulzuk
    kingrulzuk Posts: 1,330 Forumite
    Alice_Holt wrote: »
    State Pension from the age of 68.
    Which gives you 28 years to fund . How will you do that?

    As zagfilies said when you do reach the state retirement age, your pension will be greatly reduced due to ending NI contributions at 40. So,very roughly, instead of £155 pw you may get c.£80pw. Assuming you need £15k pa to live on, how do you fund the balance of £11k until the end of your life? (unless you intend to fall back on state benefits such as Pension Credit, Housing Benefit, and Council Tax support).



    £80pw is a lot for me as my outgoings are like: £80 council tax, £40 to £50pm for food and £5 electric bill and sometimes £5 phone topup.
    I stay in Edinburgh central and most of the things are free if you know how to.
    What happens if you push this button?
  • kingrulzuk
    kingrulzuk Posts: 1,330 Forumite
    zagfles wrote: »
    2010. Not sure when it was announced, maybe around 2003 or so, pretty sure it was well after 1988. The govt have hinted it'll go up to 57 maybe around 2028 or so and will increase in line with state pension age, probably 10 years behind.

    Man you can never trust them Bust***s
    What happens if you push this button?
  • bigadaj
    bigadaj Posts: 11,531 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    kingrulzuk wrote: »
    Man you can never trust them Bust***s

    They are large birds but I'm not aware they are particularly untrustworthy.
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