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Hi

MEConfusedaboutpensions
MEConfusedaboutpensions Posts: 6
First Post
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edited 25 October 2025 at 7:06PM in Pensions, annuities & retirement planning
Hi there everybody

Comments

  • Flugelhorn
    Flugelhorn Posts: 7,718
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
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    you would only get pension credit if you have no other income - if you have any other income then best to maximise the state pension
  • molerat
    molerat Posts: 36,594
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    Already asked and answered this morning

    Never associate with idiots on their own level, because, being an intelligent man, you'll try to deal with them on their level - and on their level they'll beat you every time.

    Being hated by idiots is the price you pay for not being one of them.

    Jean Cocteau 1889-1963

  • Marcon
    Marcon Posts: 16,470
    Tenth Anniversary 10,000 Posts Name Dropper Combo Breaker
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    MEConfusedaboutpensions said:
    I don't understand. I was born in 1961.
    What's the need to top up NI credits, when pension credit automatically tops you up to the full pension amount anyway? If I top up, won't I lose out? because it is pointless to buy the credits? If I don't top up, I will get the same amount of pension because the pension credit will top me up to the same amount anyway, plus I will get the perks that come with pension credit, eg winter fuel allowance and TV license etc. Why are people topping up? Am I missing something???
    What makes you think pension credit will be around for the whole of your retirement?
    Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!  
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