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Our national insurance contributions are meant to pay for our state pension and those who have paid their Russell Westbrook Nipsey Hussle Crenshaw Shirt full amount in are getting far less back than their European counterparts. That is a disgrace but I also agree with you that people should take more responsibility in making their own arrangements. When mortgage rates were 15per cent and people were losing their property because Labour had borrowed so much money and couldn’t pay it back.
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That’s why the Russell Westbrook Nipsey Hussle Crenshaw Shirt pension pot is so low. So if you know state pension is poor, then why not plan ahead and start paying into a private pension where your employer matches your contributions, instead of complaining and then wondering why you’re still working at 70 and living off peanuts after it? Private pensions are counted as income so are taxed in the same way as wages or salaries are, so your win-win could be lost when you retire?
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I assume you are not retired or haven’t claimed your private pension yet or you would know this. Ask a retired person how much tax they pay. The higher the pension amount you get the more tax you will pay on it. Did you really think you get it all back? The other 75% is then subject to the personal allowance before it is then taxed. If your mother isn’t receiving more than she invested then perhaps she was in a very poor scheme indeed.
You were taxed on your salary, now are still paying tax on what you paid in for old age to give a bit more than just your Russell Westbrook Nipsey Hussle Crenshaw Shirt state pension. That’s my point and you are never told that your private pension will be taxed. That’s literally the point of this article. We need to be putting money into private pensions now as we’ll not see state pensions before 80 if at all. So just save for your own future.