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hello and welcome.to the change in future sessions with.scottish widows for pension awareness.day.now we're your channel 4 are delighted.to partner with scottish widows as they.help you.plan for your future and we have lots.more to come.we're pleased you could join us for the.scottish widow's change in future.sessions.and i hope it will answer any questions.that you may have.about your financial future now over to.the experts.hi and thanks for joining our changing.future session.i'm robert cochran i'm a retirement.specialist at scottish widows.and today we're going to look at 10.things you should know.about your pension so normally for.pension awareness day.we tour the uk talking to people about.their future finances.this year we've got a packed week of.sessions to help as many.people as possible with our planning.we're here to help you to get to grips.with your pension.and retirement options and we can offer.guidance but if you're looking for.personalized advice.we recommend you speak to a financial.advisor so please.ask us questions we have a team sitting.by.ready to answer so please ask as many.questions as you like.as we go so let's start with the very.first question.what is a pension well we all want a.comfortable.and secure retirement and how.most people achieve that is through a.pension.now it can sound complicated but a.pension.is just simply a tax efficient way to.save for your future.generally you'll save contributions each.month.the money's invested by a pension.provider like scottish widows.and you can normally access it when you.get to 55..depending on the type of pension you'll.have there'll be many different ways of.money being added in.so it can be through your own.contributions through tax relief from.the government through national.insurance savings.through employer payments and potential.investment growth on top of that.so let's talk about tax relief that is.one of the biggest advantages of having.a pension.is that you'll benefit from tax relief.this means the government is helping you.plan.for your future an example of how this.works.if you're a basic rate taxpayer paying.20 for every 80 pounds that you pay into.your pension each month.the government will automatically top up.your pension with an extra 20 pounds.so that'll take the total being paid.into your pension to 100 pounds.even if you're a non-taxpayer you'll.also get this 20.boost to your pension savings as well.for payments up to a maximum of 280.pounds per year.so what if you're paying more than basic.rate tax.well if you're a higher rate taxpayer or.an additional tax rate taxpayer.you can benefit from further tax relief.by claiming on your self-assessment tax.return.how do you go about getting a pension.well.for most people they'll start a pension.through their work through something.called.automatic enrollment and that's where if.you earn.more than 10 000 pounds a year and.you're aged above 22.your employer automatically has to put.you into pension scheme.if you earn a bit less than that amount.or you're below 22.you can still ask to be put in a pension.scheme.so what about the contribution levels.well the minimum contribution levels.are four percent from you three percent.from your employer.and one percent from the tax man.so let's think about that in terms of.pounds and pens well.if you're earning 25 000 pounds a year.then over that year you'll pay in one.thousand pounds.your employer will pay 750 pounds and.the tax line will pay in.a further 250 pounds.so that's automatic enrollment you're.getting enrolled into scheme you can opt.out of the scheme if you wish.if you choose to do so it means you'll.forego your employer contributions.you'll forgo any contributions into.pension plan.and then every three years your employer.will have to put you back into that.scheme.so what about if you're self-employed or.you don't meet the criteria well.in that scenario you'll have to take out.your own pension plan with a provider.a bit such as scottish widows um.you'll still benefit from tax relief but.you just won't get an employer.contribution.so the third thing is all about how much.how much are you going to need in.retirement and how much should you pay.into your pension.well we go out and ask about 5000 people.a year what they think they're going to.need in retirement and they come back.with a figure of about.25 000 pounds a year for a comfortable.retirement.now remember that a decent portion of.that will be made up by state pension.and we'll cover state pension later on.in this session.so then when you think about.contribution levels what's an.appropriate contribution level.well we know that auto enrollment will.enroll you a minimum contribution of.eight percent.but scottish widows we reckon that a.higher contribution level of about 12.is going to give you a much more.comfortable retirement.so what difference does that extra.contribution make.well it depends what age you are so the.earlier you start saving.the bigger a difference it will make so.let's look at three people.and let's look at them changing their.contributions from 8.to 12 and then taking their benefits.at age 65. so what difference in fund.value would we see.well for a 45 year old that would give.them an additional fund value at age 65.of 26.300. for a 35 year old.it would give them an additional fund.value of 46 300.but we really see the benefit of.starting earlier if you look at someone.who's 25.the additional fund value that they.would have assuming that they went from.an eight percent contribution to a 12.contribution and ran that through to age.65 is an additional.72 300 pounds fund value.what a difference that would make to.their retirement so the fourth thing you.need to know about your pension is what.have you got.what's in your pension and it's likely.that you'll have more than one pension.so how do you keep track of it all.well first thing every provider will.send you an.annual benefit statement regardless of.whether you're self-employed or employed.whenever you've been accruing those.pensions you'll receive.an annual benefit statement through the.post don't just throw it away.have a look at the numbers on it it'll.tell you how much is in your pension.and you'll want to add up all of those.different figures to find out how much.you've got.in total in your pension so for many.providers you'll be able to go in online.and keep track of your pension at.scottish widows you may also see that.your pension.value pops up next to your halifax your.lloyd's banking group or your bank of.scotland.online banking facilities so different.ways of keeping track of what's.in your pension and it's important to.think about.is that enough if you want to make.further contributions then of course you.can speak to your employer.if you're in a workplace savings scheme.so lots of different ways of keeping.track of your pension.don't throw away those annual benefit.statements have a good look at what.you've got in your pension.okay step five am i on track.so we know how much is going into our.pension we know what we've accrued.already.what are you on track to get well.there's loads of great calculators.available through the scottish widow's.website and also from the money advice.service.which will help you work out what you.might need in retirement.and what you're actually on track to get.and also what would happen if you.changed your contribution levels.so if you paid a little bit more or if.you change your retirement date.those calculators are all available you.can see some of the links on screen.i'm going to just highlight one.calculator which is a little bit more.fun.it's called your future self calculator.something we developed from going out.and meeting thousands of people through.our pension awareness tours.and how this works is get your phone out.you go to the website and it just asks.you a few questions.how much is in your pension what age you.are what your contribution levels are.and how much you would like to have in.retirement.and what that will do then is access.your camera and aid you.to the age at which you would be able to.get the pension that you want.based on the contributions you're paying.but even better there's some sliders.there that pop up.which will allow you to change your.contribution level or.change your retirement date and in real.time.it will age you either younger if you're.paying in more.or older if you're paying less it's a.really great fun way of bringing.complicated illustrations to life.so yeah really important to find out.what pension you're on track to get and.when you're on track to get it.so the sixth thing about pensions is.tracing all of your different pension.schemes.we know that over your lifetime you're.likely to have as many as 11 different.jobs on average.and with each employer having to put you.into a pension scheme it means that.you'll build up a number of different.pension pots.so unsurprisingly people lose track of.their pensions.particularly if every time you move.house you don't update the existing.pension provider.so how can you keep track of your.pensions how can you trace them down.so first of all you can contact your own.pension provider.you'll need a few bits of information.you'll need the.ideally you'll need your postcode your.national insurance number and a date of.birth.and from that most pension providers.should be able to find policies that you.have with them.secondly you can contact your employer.if your employer is still in.existence contact them and ask them who.the pension scheme was with.and if you can't find out from either of.those sources.well the government do have a website.where you can go to to find out.track down most pensions and you can see.the website address on screen here.and that's a pretty good service whereby.if you can remember where you worked.they'll try and help provide uh.information as to who the provider was.so once you track down all of those lost.pensions you may find that.to keep life simple you might actually.want to combine some of those pensions.together.and that's something you can do online.it's a relatively straightforward.process now.but there are some things to watch out.for so some pensions.and particularly older pensions may have.some guarantees on them.and they may have some penalties on them.for those types of policies in.particular it's really important you.speak to financial advisor.you can ask a financial advisor about.any pension plan.details but you will have to pay them.but they can provide.proper advice as to what to do about.combining your pension plans.for more information you can access it.on the scottish widow's website.so the seventh thing to know about your.pension.is to know your state pension and i'm.going to tell you five things about the.state pension.currently the state pension is 175 pound.20 p per week or just over 9 000 pounds.a year.that's not usually enough for most.people to live on but it's a significant.portion of people's income.in retirement so how do you qualify for.that well in order to qualify for the.full state pension you need 35 years of.national insurance contributions.in order to qualify for any state.pension you need to have 10 years worth.of national insurance contributions.it's also important to know your state.pension age and your state pension age.is changing so whilst you can take your.private pensions from age 55.your state pension age will be likely to.be in your late 60s and the only way to.find out for sure.what your state pension age is is to go.on the government's website.and use their calculator which will tell.you.how much you're on track to get it will.tell you.um when you're on track to get it and it.will give you a full national insurance.record as well.you just need your government gateway id.to do that um.so the next thing is uh you don't.automatically get your state pension you.actually have to claim it so when you.get to the right age you need to submit.a form to claim your state pension.and the final thing the fifth thing to.know about your state pension is.you can delay it and if you delay it it.will mean that you receive a higher.state pension when it does finally kick.in.so five things to know about your state.pension so for our eighth thing about.pensions we want to have a quick look at.kovan 19..that's because a number of you have been.concerned about what that's meant.to your pension so initially when we saw.the start of the pandemic the stock.markets took.a bit of a bit of freight and we saw a.big fall in in values.since then a lot of those values have.recovered but what you've.maintained is some volatility so that.just means prices are moving about quite.a bit.um what we'd encourage you to think.about there.is that pensions are a long-term.investment.so particularly for younger people.you've got lots and lots of time to.recover those um pension.um fluctuations and if you're buying.units at a lower price that will benefit.you all in the longer term.and of course if you're in a workplace.savings scheme then you're in a default.fund which moves you into more secure.assets as you get closer to retirement.so that was um that was volatility.second thing is the furlough scheme.so the furlough scheme that was.introduced by the government included.payments towards.pensions for employers so that was a.great introduction.a good sign that the government was.really supporting your pensions.the third thing i wanted to talk about.was protection is your money protected.well um pension providers.are covered by something called the.financial services compensation scheme.and that protects pensions should the.worst happen to provide it.for more information you can visit.financial services compensation scheme.website or the pension protection fund.website.but want to reassure you that there's a.good level of protection on your pension.pots.should the worst happen so the ninth.thing about your pensions.how can you spend that money that you've.been saving up.all your life well when it comes to your.retirement you can access your pension.fund from.age 55 and when you come to access it.there's a number of different ways that.you can take your benefits.so let's go through them so number one.you.can access them through flexible.drawdown so that's where you can take.money out of your pension plan as and.when you need it.and 25 of that money will be tax free.number two you can get a guaranteed.income for life this is also called an.annuity that's where you take your.pension fund hand it over to.a insurance company and they guarantee.to pay you a certain amount for the rest.of your life.number three is to take it all as cash.so you can choose to take all of your.fund out as cash or you can take some.chunks of it out as cash.and you pay tax on that depending on how.much you take it'll be how much tax you.pay.and the fourth option is to leave it for.now and access the money later on.and of course you can actually choose to.combine those different options so you.could take some cash and you could take.some guaranteed annuity.but it's a really big decision and it.can be quite a complicated decision.so you've spent all of your life saving.into this pension pot.don't rush into any decisions make sure.that you.access pension wise which is a free.guidance service that's available to you.if you want someone to tell you what to.do then go and speak to financial.advisor and they'll be able to help.tell you what to do at retirement.so it's a big decision you've saved in.for your entire life.if you just want to test out what you.might be able to do at this point in.time then.use our calculators a pensions options.calculator which will give you an idea.of what you.can do right now so the 10th thing about.pensions is how to spot a pension scam.you've spent a lot of your life saving.into.a big pension pot and unfortunately.there are some scammers out there.who are keen to get their hands on your.pension pot so there are six.ways to spot a scam now let me just take.you through them.one at a time so step one if you're.contacted out of the blue.step two if you receive an offer that is.too good to be true.step three if you're offered access to.your pension before age 55.step four if they ask you to invest in.unusual assets things that you're not.familiar with.step five if you're asked to withdraw.money first.and final one if you're told to act.really quickly to get the best deal.these are all red flags and that.indicate that it's very likely to be a.scam.so do not proceed with any transactions.that you're not sure about.and if you have any doubts contact the.pension advisory service for advice.and if you think you have been a victim.of a scam contact the action fraud team.details on screen it's your pension pot.look after it and don't fall victim to a.scam.so we've covered off 10 things that you.need to know about your pension.we'll leave you with a couple of bonus.points so first of all.how close is your retirement we can.often think that retirement is.uh is ages away but if we think about it.in terms of.paydays it's often much closer than we.think so.if you're age 20 and you're going to.retire at age 65.your retirement is 540 paydays away.if you're age 40 it's only 300 paydays.away.if you're age 60 it's only 60 paydays.away.so it's probably much closer than you.think the earlier you start saving.the more you'll enjoy that retirement so.my final bonus point is just to finish.off and tell you where you can go for.more help.so if you're being also enrolled into a.scheme by your employer well you can.start off with your employer they'll be.able to tell you all about your scheme.if you're not with your employer and you.have your own pension plan or you have a.pension plan with a provider like.scottish widows then you can.come and ask us about details about your.pension scheme.and what your options are if you want.someone to.bounce off more questions about sort of.general guidance about pensions then you.can go to.pensionwise if you're above age 50 or.you can go to.the pensions advisory service or the.money advice service so they're all.independent.organizations which can provide you with.some guidance about your pensions.and if you want someone to tell you what.to do.then you can go and speak to a financial.advisor and a financial advisor you pay.them a sum of money and they'll tell you.what to do with your pension.if you don't have a financial advisor.then you can visit.unbiased we've got a register of.financial advisors.who can help you find one so.lots of really useful information out.there some of it's free some of it you.pay for.but all great to help you understand and.make the most of your pension.so it just remains for me to thank you.all for joining us for our.10 top tips for pensions um.we've covered off a lot today but.there's lots more coming up right across.pension awareness week the next one.is self-employed top tips for future.planning if that's up your streak please.join us for that.if not join for some of the other ones.during the week and thank you all so.much.for your questions throughout today's.session.look forward to talking to you again.later.you.

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