累積退休金年額提高可免稅供款? 供返前3年? SIPP | 英國投資理財 

謝謝你, May

唔洗客氣。 知道你睇完片有實際行動真係好開心😊

Glad it was helpful!

重覆睇咗幾次整條video, 終於明白HMRC 真係想鼓勵市民要每年都要努力工作，賺多啲”relevant earning “, 先可以蓄到carry forward tax relief allowance😂

😊

呢個的確係比較複雜。

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi Agi Ak。謝謝你收睇。 1) 可以 2) 理論上55歲就攞得錢。所以如果長老係60歲, 入咗錢隨時可以攞。但係如果佢每年都入錢攞 tax relief跟住又攞錢出嚟，我唔知會唔會觸及到 pension recycling。 3) 我在片中提到嘅ISA provider 都有FSCS保障

@@SmallFishBa 有關 (2) 呢條問題. 當連續5年無攞錢, 到第6年攞25%, 同年又入$2880.- 咁會唔會中 pension recycling? 另外請問如果長老過幾年不住英國回香港, 考慮用 Vanguard 套現後可唔可以將錢轉到香港銀行收錢?

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 簡單答案係唔可以。因為唔係"供返"前3年。而係如果你今年收入超過SIPP Annual Allowance，而你又想供多過呢個數，你可以用前3年嘅carry forward嘅allowance去令你可以供超過今年allowance但仍然免稅。

my pleasure.

可以。放咗喺至頂留言。只作參考，不保證Formula 完全正確。

Thank you for sharing this useful document for reference.

I am not a tax or financial adviser. The following is purely my personal understanding, not professional advice 👇 Hi Emily. It really depends on the individual's financial circumstance. If there are many years until retirement age, the investment in SIPP is likely to growth bigger than that in ISA because of the tax relief. Even though the 75% of it will still be taxed, high earner can exempt from 40% or even 45% of income tax when they put money into SIPP but when they take the money out in the future, they'll probably have less income at that time and most people will spread their withdrawal over many years so they will only pay the basis rate (20%) tax even if they need to. So that's another 20/25% tax saving. However, you are so right. The money is locked up for a long time. If you have sudden need of money or a medical condition that is not serious enough to get exemption from earlier withdrawal penalty, you can't use that money.

上集有做SIPP Provider 比較. 條片好長。無時間可以用Timestamp 有興趣部份 2024年SIPP供應商大比拼：誰是你的退休規劃贏家？ ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-SPnNaqRXnBM.html

I am not a tax or financial adviser. The following is purely my personal understanding, not professional advice 👇 Hi Ying. Yes, you may contribute up to £2,880 (before tax) per tax year, so after hmrc top-up, it would become £3,600. Whether you contribute 240 monthly or 2880 a lumpsum does not matter. For a SIPP provider comparison, you may watch my video below. I talked about the pros and cons of 9 popular SIPP providers. 2024年SIPP供應商大比拼：誰是你的退休規劃贏家？ ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-SPnNaqRXnBM.html

@@SmallFishBa thanks 🙏

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 租金(長租非Bnb)同利息都唔係 Relevant UK Earnings。所以每年最多只可以入稅後 2880。

明白，多謝你回覆❤

如果有時間，可唔可以有一集講解一下class 3 voluntary pension點操作？多謝你先🙏

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi ika. 如困你唔係用緊匯入制，唔香港嗰筆資產如果有收入(如利息) 係要報稅，無論你匯唔匯啲收入嚟英國都要。 需唔需要交稅視乎你收入同免稅額而定。 個戶口係你名下，稅就係你負責。用唔用到筆錢只係你同伯有嘅私下協議。

🙏🙏