luchecon (luchecon) wrote,
luchecon
luchecon

Как далеки они от народа...

Картинки по запросу пенсии карикатураКак далеки они от белорусов со своей пенсией 84 тысячи фунтов стерлингов в год.
Или 7 тысяч фунтов стерлингов в месяц.
Или 180,4 миллиона белорусских рублей до деноминации.
Примерно в 60 раз больше средней белорусской пенсии.

При этом они еще думают: что лучше: пенсия или инвестиции?



***


'Property a better bet than pensions', says Bank of England chief economist
Andy Haldane has a gold-plated guaranteed pension which will pay him nearly £84,000 a year when he retires.
Katie Morley, consumer affairs editor
28 AUGUST 2016 • 3:13PM

Andy Haldane made the comment despite having a gold-plated guaranteed pension which will pay him nearly £84,000 a year, or more than three times the average workers' salary, when he retires.
As this newspaper reported in May, Mr Haldane, 49, admitted that despite being one of the country's leading economists and working at the Bank since leaving university, he could not make "the remotest sense of pensions" because they are too complicated.

However his latest comments were met with a barrage of criticism by Ros Altmann, the recently departed pensions minister. She said it was "irresponsible" to suggest people should rely on property instead of pensions.

Financial advisers generally recommend older savers "diversify" their money as much as possible by holding a range of assets including shares, bonds, property and cash.

As money paid into pensions attracts tax relief at 20pc for basic rate taxpayers, and 40pc for higher rate taxpayers, they are normally seen as the best way to save for a retirement income.

But as the rates available for savers turning cash into lifetime incomes have drastically fallen in recent years, a growing number of pensioners are becoming buy-to-let investors in a bid to use property to turn their savings into a higher income.

Landlords in some areas of the UK can expect to receive around 9pc a year income on their investment. This compares to over 55s buying an annuity, who can now expect to receive less than 2.5pc a year, depending on their age and health.

Lady Altmann also claimed Mr Haldane was "divorced from reality"as he also said he does not consider himself wealthy, despite a basic salary of more than £180,000, owning two homes and having the gold-plated pension that will increase in value if he carries on working at the Bank.

Haldane said: "I see myself as not having to worry about money, but plainly not wealthy. I never have [felt wealthy], and never expect to in this job. I'm in a position where I don't have to worry about money when paying for the things in life my family needs."

According to the Bank's latest annual report, Mr Haldane's basic salary is £182,088 and his pension currently worth £83,816 a year. He can start collecting it from the age of 60 when it will be even more valuable.

Calculations by pension firm, Hargreaves Lansdown, show that to buy this level of pension in the private sector by turning a lump sum into an annuity, someone would need a pot worth £3.5m.

In addition to his pension Mr Haldane has two homes,— one in Surrey and a holiday home on the Kent coast. He told the Sunday Times: "It ought to be pension but it's almost certainly property. As long as we continue not to build anything like as many houses in this country as we need to ... we will see what we've had for the better part of a generation, which is house prices relentlessly heading north."
Mr Haldane placed the blame for not feeling rich partly on his decision to educate his three children privately: "They are among the reasons why I don't feel wealthy and never will, I imagine."
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Tags: пенсии
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promo luchecon april 1, 2014 14:26 2
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"Если первым не писать людям и не навязываться, то можно обнаружить, что, в принципе, никому ты и не нужен". Афоризм для промоутеров.
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