财务专家警告说,国家自愿保险缴款可能不会使每个人的国家养恤金受益。 Finance expert warns voluntary National Insurance contributions may not benefit everyone's state pension.

金融专家Yair Bennett警告说,自愿增加国家保险(NI)的缴款,以增加国家养恤金付款,对每个人可能不是有利的。 Finance expert Yair Bennett warns that voluntarily topping up National Insurance (NI) contributions to boost state pension payments may not be beneficial for everyone. 2025年4月之前,个人可以填补其国家机构记录中的空白,但Bennett建议考虑税收影响、替代退休收入和生活费用。 Individuals can fill gaps in their NI record until April 2025, but Bennett advises considering tax implications, alternative retirement income, and cost of living. 国家全额养恤金为每周221.20英镑,需要35年缴款,付款额将在明年4月增加4.1%。 The full state pension is £221.20 weekly, requiring 35 years of contributions, with payments set to rise by 4.1% next April. 自愿捐款费用为每周3.45英镑(第2类)或17.45英镑(第3类),政府网站为检查和预测国家养恤金福利提供了工具。 The voluntary contributions cost £3.45 (Class 2) or £17.45 (Class 3) weekly, and the government website offers tools to check and forecast state pension benefits.