Pensioni in UK – senza un fondo integrativo e’ dura…

Spesso valutiamo il sistema pensionistico dell’Italia come disastroso, ma se leggiamo questo articolo del Times si puo’ notare come in Italia teoricamente la situazione pensionistica e’ notevolmente migliore…

L’articolo vuole essere soltanto un monito per chi si accinge a restare in UK e valutare un’eventuale pensione qui… fatevi il fondo integrativo se non volete trovarvi a 65/70 anni con a malapena i soldi per sopravvivere… La pensione statale garantita dagli UK e’ veramente molto bassa….

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Mark Bridge Last updated at 12:34PM, November 15 2010
A third of workers approaching retirement have no private pension savings, according to new research.

The study by MetLife Europe, the financial services group, indicates that only one in four people aged over 50 feel financially ready for retirement.

Meanwhile 64 per cent either do not know how much money they will have when they give up work, or do not think they will have enough. Around 32 per cent admitted that they had not yet started saving in a pension.

The research indicates that women are most likely not to have adequate retirement savings, with the average woman aged over 50 having only £34,500 set aside in a pension, against £68,800 for the average man.

MetLife said that neither sum is likely to generate the average retirement income of £18,100 that over-50s aim for, even after state benefits are taken into account.

The group warned that over-50s who have not yet retired are finding it particularly difficult to meet their aspirations due to a combination of volatile stock markets, low interest rates and lower pension payouts.

It said that a man needs a pension pot of £235,000 to generate a pension income of £10,000 a year on retirement at 65, or a pot of £1.2 million to generate £50,000 a year.

Further research published today indicates that one in five older people expect to work past the state retirement age, many believing they will still be working well into their 70s.

Ray Chinn, head of pensions at LV, said: “This is not only because there is not enough in their pension pots. About 9 per cent of over-50s say that they need to maintain an income to financially support their children.”

Meanwhile, Steve Webb, the Minister for Pensions, said today that the coalition Government was “taking vital steps to ensure people are financially ready for retirement”.

It recently announced plans for reform to the state pension system. Under these, new pensioners will receive an increased flat-rate pension of about £140 a week, probably from 2015. This means an income of £7,280 a year for single people and £14,560 for couples.

It also confirmed that the National Employment Savings Trust (Nest), a low-cost pension scheme for workers, will be launched in 2012. Workers aged between 22 and the state pension age, whose employer does not offer them a pension scheme, will be enrolled automatically unless they opt out.