39% der Menschen „nicht auf dem richtigen Weg, sich selbst einen Mindestleben zu leisten, wenn sie in den Ruhestand gehen“ | ITV News
https://www.itv.com/news/2025-05-06/39-of-people-not-on-track-to-afford-even-a-minimum-lifestyle-when-they-retire
Von ThatchersDirtyTaint
20 Kommentare
Bleak.
Most of the UK news I see is grim these days.
Kinda makes me wonder if we’ll start seeing destitute pensioners commit crimes just so they’ll receive the basics in prison, just like in Japan.
All percentages no absolute pension pot figures? Clickbaity much?
almost as if, all these parties keep selling is hate and distributed idealism. Rather than hope and helping each other.
This is why the idea of ditching the state pension, or cutting it down, will not help the poorest. There won’t be enough salary put in the pot to contribute to private pensions, especially those trapped in and near minimum wage jobs.
And Rachael reeves wants to disadvantage DC pensions by forcing larger percentages to be invested in the UK, this will lower returns, switch off more from investing.
Great how someone in a fully funded DB pension wants to punch , typical
I really feel like we need to be more aware of pension planning as a society.
Not ‚they need to teach it in schools‘ because schools have enough to do and teenagers don’t care enough to listen. But, maybe we need to start building in some adult education sessions that you get invited to at certain points in your life.
You’re 18 now, this is how voting works. You’re 20 now, just incase you haven’t worked it out, this is how taxes work. You’re 25 now, you have probably settled into your first career, here’s how to start saving properly. You’re a parent, here is a course of parenting lessons. You’re 30, this is how pensions work and why you need to start putting money away now, if you haven’t already. You’re 40 and have maxed out career number one, here’s how you change to something new without going bankrupt. You have retired, here’s how to stay active and not get cabin fever.
We can’t expect everyone to just ‚get it‘. Some people need more help to ‚get‘ these life skills and if we aren’t providing that at different points then we are failing as a society.
A flawlessly executed suicide at 50 is my plan. Fuck it.
Doesn’t matter how shit you pension is when you’re not able to retire til you have one foot in the grave anyway. 🤷♂️
We have a real problem with pension education in this country (I’m sure it’s similar to an extent across Europe).
I get the impression that there are far too many people in this country who think that their statutory minimum employer contribution, on their £20k-30k salary will be enough for a decent retirement.
Take all the money you give to Israel and put it into a retirement fund for British people.
Sorry that’s a dumb idea
I read this and then I think – I’ve got like 30+ years until I could potentially retire – during which time I need to be paying into a pension the whole way through – at what point might AI put me out of a job and when there’s mass unemployment how the hell am I going to support myself then, let alone during “retirement” whatever that looks like.
Too many people thinking their 5% + 5% employer contributions are going to give them a suitable pension when they’re old. Nope, it’s going to leave you poor.
This is not a story.
39% of people have negligible private pensions pots. This has almost always, and will always be the case; that is why any civilised country develops a social insurance system, ie the state pension.
The state pensions provides 30% and smidgen of median incomes at the moment. A couple will receive 60% of median income. Given around 30% (too high, but reality) of take home salary is given to rent for the median person, that means assuming the couple retires with a home, there is no material difference transitioning from 1 person working household at median wage with salary taxes, to 2 retirees. This is a phenomenal reality, we should be proud of, it’s astonishing we are such a prosperous society we can pretty much afford this at least for the present, and with minimal adjustment we can sustain this indefinitely(like a tiny bit of industrial policy).
This is an ad for a private pensions company, trying to generate revenue for itself, by sewing discord and dissatisfaction in public. This is a malevolent act.
My retirement plan is carbon monoxide poisoning.
When I stop having fun and become more a burden on society than a benefit it will be time to go to sleep.
I don’t have kids so there’s going to be nobody to look after me and I have nothing to show for 25 years worth of employment. Been paying into pensions since I was about 21 and the total is less than a years wage.
Pension contributions should be compulsory without financial advice, and minimum contributions should be higher. Default funds should also be higher risk. Those who choose not to save enough will be dependent on everyone else
Its ridiculous, I don’t pay a small ampunt into my workplace pension and even mine says not much above minimum.
£192 from me per month
£180 from employer per month
If you include SP, that’s about 300k after a lump sum if taken.
I could do with using £192 per month now, but i also need it then. It’s a fair bit to lose out per month and it isn’t a huge amount at the end at 68
£192 is way more than some pay In at my work place, some don’t do it at all i worry for them.
Well yea, because every policy just forces the younger generations to pay for the older ones. Eventually it catches up to you.
It’s still scandalous to me how low the minimum employer contribution is for auto enrolment.
Because of the deliberately misleading „qualifying earnings“, someone on full time minimum wage might only get a contribution of 2.1% of their gross salary.
No shock that anyone in that situation won’t be saving enough.
I fully expect to be dead before I get a chance to retire anyway.