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【英國投資】退休101 - SIPP供唔供好?退休金可以點拎錢? 

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#英國投資 #英國生活 #SIPP
在英國依賴扣稅後的收入存錢退休,只會事倍功半。靈活運用退休金戶口十分重要。今次短片分析使用SIPP戶口前的考慮,由於運作複雜加上不是流量密碼,一直沒有人探討是很正常的事。
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12 ноя 2023

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Комментарии : 34   
@mling472
@mling472 5 месяцев назад
多謝分享!我一值想供不供SIPP,因我只做part time, 現以你的分析來看,入ISA是比較好又不抽稅。本人很喜歡收看你的RU-vid👍👍thank you
@financialzoo
@financialzoo 5 месяцев назад
多謝支持!
@deaniechiu8853
@deaniechiu8853 8 месяцев назад
Thanks for making the video
@financialzoo
@financialzoo 8 месяцев назад
多謝支持!
@szepui
@szepui 8 месяцев назад
英國稅務太複雜😮
@wuraymond8144
@wuraymond8144 8 месяцев назад
謝謝分享, check 緊SIPP資料, IBKR SIPP 好似唔係自己. 要揾其他公司個做 administrator, 又要俾一 d fee. 好似好複雜
@financialzoo
@financialzoo 8 месяцев назад
IB唔係自己做埋,佢係比個platform 出面既advisor 管理客既account。英國搵人管既收費唔平,多數都係跟procedure 將套理論搬落個客度,成效係點就唔關佢地事
@deaniechiu8853
@deaniechiu8853 7 месяцев назад
Vanguard's SIPP is a relatively cheap provider.
@financialzoo
@financialzoo 7 месяцев назад
In percentage term, it is, but the fees cap is much higher than using stock brokers with SIPP to trade their ETFs.
@senfui9315
@senfui9315 8 месяцев назад
New state pension 是由2016 實施, 要在英國做夠十年打工報稅,到退休年齡才有資格攞, 想請問是否由2016年開始計算,那如果已經在2016年之前已開始報稅、 又計不計呢?
@financialzoo
@financialzoo 8 месяцев назад
橫跨轉制既計法會複雜少少,由新舊制各自計你有一年qualified NI record應該拎到幾多,兩邊加埋,但係總數會有Cap 可以參考呢度example: www.nidirect.gov.uk/articles/understanding-and-qualifying-new-state-pension
@helenwong3031
@helenwong3031 3 месяца назад
多謝你的資料。我在22/23做過一份短期工作有供Pension但只供咗4個星期(NestPensions). 之後沒有工作到現在。24/25剛開咗SIPP戶口。想知道可否有資格補供22/23 和 23/24的SIPP. 謝謝你😊
@financialzoo
@financialzoo 3 месяца назад
每年可以供嘅錢cap 左係relevant earnings,所以補供(22/23個部份)要今年你relevant earnings夠多,過左pension annual allowance先有得用,即係要60K以上 23/24無工作個2880無供到就無得補返
@bwong6945
@bwong6945 3 месяца назад
請問我是退休人仕沒有收入,主要是儲蓄利息和股票收益,那麼這個情況供SIPP最低供款可以嗎?
@financialzoo
@financialzoo 3 месяца назад
一個稅務年度內首£2,880供款是可以的,沒有relevant earnings要求,但不小心供多了就會變得很麻煩 www.gov.uk/tax-on-your-private-pension/pension-tax-relief If you do not pay Income Tax You still automatically get tax relief at 20% on the first £2,880 you pay into a pension each tax year (6 April to 5 April) if both of the following apply to you: you do not pay Income Tax, for example because you’re on a low income your pension provider claims tax relief for you at a rate of 20% (relief at source)
@dyuen9780
@dyuen9780 4 месяца назад
Like
@user-jd2ox1nj3s
@user-jd2ox1nj3s 8 месяцев назад
謝謝你的分享. 想請教一下, 若higher taxpayer想供SIPP, 每年實際可供的金額上限, 計算方法是否如下: = 當年的Annual allowance - 僱主供款 - 僱員供款 - 僱員供款40%退稅津貼 - 將會供既錢既退稅津貼 + 前兩年未用的annual allowance餘額? 而將會供既錢既退稅津貼是否都是計40%? 謝謝!
@financialzoo
@financialzoo 8 месяцев назад
你嘅概念都差唔多,前三年未用既可以用,但要現在既稅年你有咁多收入先得。 對於稅局黎講主要睇總數,有錢放入去pension不論係僱主/僱員供既workplace pension,個人自己供private pension,同埋任何tax relief佢都會計數,個人層面就要計清楚自己會拎幾多tax relief,唔同供款方式有機會有差異,而higher rate退40%只係限於你係凸左出黎比緊higher rate個部份,交緊basic rate嗰部份收入退稅唔會由20%變多左去40%
@user-jd2ox1nj3s
@user-jd2ox1nj3s 8 месяцев назад
​@@financialzoo 謝謝你的回覆.
@user-jd2ox1nj3s
@user-jd2ox1nj3s 7 месяцев назад
@financialzoo 你好! 我想再請教一下有關自己供款上限的問題. 每年供款不能超出allowance外, 亦不能多於當年的relevant earnings總收入(如果想攞足tax relief的話). 假設: - 今年我有GBP80,000既relevant earnings - 僱主供款: GBP2,400 (gross) - 僱員供款: GBP4,000 (net) - Tax relief of 僱員供款: GBP1,000 - Allowance: 上年未用GBP35,000加今年GBP60,000 = GBP95,000 那麼我今年最多可供於SIPP(one off lump sum)的供款是以下那一項: 1) = relevant earnings-20%tax relief = GBP80,000x80/100 = GBP64,000? 2) = relevant earnings-僱員供款-Tax relief of 僱員供款-20%tax relief = (GBP80,000-4,000-1,000)x80/100 = GBP60,000? 3) = relevant earnings-僱主供款-僱員供款-Tax relief of 僱員供款-20%tax relief = (GBP80,000-2,400-4,000-1,000)x80/100 = GBP58,080? 如果以上3項都不是, 煩請指正!🙏 謝謝!
@financialzoo
@financialzoo 7 месяцев назад
如果你有95000 allowance,僱主供款唔受relevant income 限制,扣左餘下95000 - 2400 = 92600 另外4000+1000已經入左pension ,餘下87600 你80000relevant earnings係gross定net?
@user-jd2ox1nj3s
@user-jd2ox1nj3s 7 месяцев назад
@@financialzoo 謝謝你的回覆. GBP80000 relevant earnings 係稅前收入.
@evawong4203
@evawong4203 4 месяца назад
請問儲蓄既錢可唔可以呢?
@financialzoo
@financialzoo 4 месяца назад
儲蓄收嘅息唔計relevant earnings
@devilred4847
@devilred4847 8 месяцев назад
£50000樓上俾40%稅,供SIPP 絕對有着數
@financialzoo
@financialzoo 8 месяцев назад
係阿,而家cut左拎錢個時taxable個lifetime上限對於高收入既人更加著數
@deaniechiu8853
@deaniechiu8853 8 месяцев назад
好有興趣了解多D英國退休金福利。我早前係英國向同事做presentation講pension, 佢哋連公司係提供緊Defined Benefits Scheme 都知係乜 ,公司就成日都想改革呢個福利,慳番D錢。 嚟緊我唔遲工就要交 higher rate, 係時候搵份SIPP 供吓
@deaniechiu8853
@deaniechiu8853 8 месяцев назад
​@@financialzoo我估你係廣東話講英國退休金的第一人😊
@financialzoo
@financialzoo 8 месяцев назад
@@deaniechiu8853 我都check過下,除左教人無收入放£2,880去拎£720但無後續個D,係無人講過
@financialzoo
@financialzoo 8 месяцев назад
@@deaniechiu8853 佢地好多對自己既權利好清楚,雖然點計出黎就唔係太清楚。Defined Benefits咁多責任,要搶同留人才先要用到,生意唔特別好既時候一定想慳返D錢 要交higher rate的話將多左出黎去供通常都會著數D,對於部份人黎講可以順便當係迫自己做多D長線投資
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